Can you get car insurance if you are over 80?
While some insurance providers do have age limits for their cover, there are plenty of options for car insurance for the over 80s. As long as you’re deemed medically fit to drive, you should have little trouble getting cover. You just may have fewer options available to you. At Compare the Market, we compare dozens of car insurance providers, and can help you find the right cover for you.
Is car insurance more expensive for over 80s?
Although car insurance premiums usually decrease as you age, once you hit 80, you may find them beginning to rise again. This is because insurance providers consider drivers over the age of 75 to be more of a risk.
Yet, the truth is that older drivers over 80 are the most experienced drivers on the road, and older drivers tend to take more care, use the road less than younger motorists, and are more likely to avoid driving during busy times.
Being able to carry on driving after the age of 80 can have a major impact on your sense of independence and quality of life. As long as you renew your licence every three years and your GP still thinks you’re okay to drive, there’s no reason why you shouldn’t continue driving after your 80th birthday.
What can I do to reduce the cost of my car insurance?
These are some other things you could do to help reduce the cost of your premiums for over 80 car insurance:
- keep your mileage low – by keeping your annual mileage as low as possible, you’ll spend less time on the road. For an insurance provider, this means less risk of an accident, and therefore less risk of making a claim
- keep your vehicle secure – if your vehicle is secure, insurance providers can rest easy that you’re less likely to make a claim due to theft or vandalism. Installing security features such as an industry approved alarm or immobiliser, and keeping your vehicle parked overnight in a safe spot, such as a garage or on the drive, are good ways to deter thieves and could help lower your premium. Make sure you contact your insurance provider to request an alarm discount, as it’s not automatically applied
- choose the right car – while classic cars might look wonderful, they’re unlikely to attract cheaper premiums. Find out what insurance group your car would fall into (between 1 and 50). As a rule, the lower the number, the cheaper your car insurance for over 80s could be.
- pay your car insurance annually – while paying your car insurance monthly allows you to spread the cost throughout the year, this is usually more expensive overall as you’ll often be charged interest on the instalments. Therefore, paying annually is often a good way to save on your car insurance.
- increase your voluntary excess – if you’re willing to pay more in excess, in the event of a claim, then your insurance premiums will likely be cheaper. Just be sure that you can afford the excess amount comfortably if you need to make a claim, and take into account any compulsory excess amounts, so you don’t get caught out.
- consider a specialist provider – you may find car insurance providers that specialise in cover for over 80s. While there’s no guarantee you’ll get a cheaper quote, it’s worth looking at these providers, as they can also offer a service that’s more tailored to you.
- compare car insurance quotes – one of the easiest ways to get cheaper car insurance is to compare quotes with Compare the Market. We compare cover from dozens of providers, allowing you to filter by the cheapest quote found for your needs.
What optional extras are available with over 80s car insurance?
There are several optional extras you can include in your over 80s car insurance policy:
- Breakdown cover: if you’re unfortunate enough to break down in the middle of an unfamiliar area, having the right support is so important. With breakdown cover as an add-on, you’ll be able to get your vehicle either repaired there and then, or recovered and taken for repairs. There are also specific additions for over 80s drivers, including the option for onward travel, whether that’s helping you reach your original destination, or getting you back home safely.
- Personal accident cover: if you suffer an accident and you or a passenger are killed or seriously injured, this type of cover can be used to claim for compensation. This is often included with a comprehensive car insurance policy, but make sure you check and add it separately if you need to.
- Motor legal protection: likewise, if you need to take legal action against another driver, after being involved in an accident, motor legal protection can be used to claim cover for your legal expenses. This can also be used if another driver makes a claim against you.
- Key cover: whether you’ve had them stolen, or simply can’t find them, losing your car keys is stressful and potentially very expensive. Key cover can be used to claim for the cost of replacing and reprogramming them. Some policies include this as standard, but check to see and add it as an extra if you need to.
- No claims discount protection: with all your years of driving experience, you may have built up a very valuable no claims discount. Adding this extra can protect this discount, keeping your significant savings even if you’re involved in an accident.
- Windscreen cover: even small chips and cracks in your windscreen can be expensive to repair. To save you the potential cost, look for this in your policy, and add windscreen protection if necessary.
Will my car insurance be affected by medical conditions?
If you’ve developed a medical condition, you’ll need to declare it to the DVLA and your insurance provider. This could mean a rise in your insurance premiums, or even the need to find a specialist insurance provider.
The DVLA website has a list of medical conditions and disabilities that must be declared. Failure to disclose a medical condition that could affect your driving may result in a fine of up to £1,000, or even prosecution if you’re involved in an accident as a result.
You may need to take a course to assess your driving ability. This can be done at a local Mobility Centre, or by taking an RoSPA Experienced Driver Assessment course.
Even if you don’t have a medical condition, it can still be a good idea to get assessed for peace of mind that your driving skills are still up to scratch.
What do I need to find a quote?
When looking for a car insurance quote, you should have the following details available:
- Your car: this includes the car’s registration, make and model, as well as it’s age.
- Your personal details: these include your name, age, job (if applicable) and address.
- Your driving history: this includes how long you’ve been driving, any no claims discount you’ve built up, as well as any driving convictions.
- Your car’s use: while you may no longer need a car for commuting, you’ll need to give them details as to how you use the car, including an estimation of your expected annual mileage.
- Any additional drivers: if you’re looking to share driving responsibilities with another driver, you’ll need the same information for them, too.
Frequently asked questions
Can I still get a competitive quote?
There’s no doubting that it’s more difficult to get a competitive quote if you’re looking for car insurance for older drivers. However, it’s not impossible. If your existing insurance provider has raised their price significantly this year, it could pay to shop around and compare other providers.
Our recent data shows the average car insurance premium for over 80s is £496.23^^.
^^Average price amount based on the top-five quotes from Compare the Market data from 1 June 2020 to 1 September 2020. You may find a cheaper or more expensive quote based on your circumstances.
How can I compare over 80s car insurance?
There’s a whole host of car insurance providers that offer car insurance for over 80s. Our comparison service aims to make your life easier by helping you find the right policy for your age and circumstances.
Comparing car insurance quotes for older drivers is easy and only takes a few minutes. Compare car insurance with us today to find the right level of cover at a cost that suits you.
To help you find a better deal when comparing quotes, here are some things to look out for:
- Price: of course, this will be number one for many. We can order your quotes by their lowest price, so you can find the biggest savings from our wide panel of providers. Just make sure that you’re getting the right level of cover to go with that great price.
- Level of cover: it’s always worth checking between third party, third party, fire and theft, and fully comprehensive car insurance. Don’t just assume that third party is the cheapest. You might be surprised to learn that you may get a better deal by going for a comprehensive policy.
- Excess amount: make sure that you’re comparing both the compulsory and voluntary excess amounts. Both can make a big difference when comparing quotes.
- Extras and add-ons: these range from breakdown cover, legal protection or replacement key insurance. Smaller extras may be included as standard with some providers, so make sure you compare these and weigh up the extras against their value or cost of adding them to your policy.
Why does car insurance cost more for over 80s?
While over 80s drivers tend to have the greatest experience on the road, your age may start seeing your premiums rise again. This is because older drivers over 80 are statistically more likely to be involved in a car accident, which leads to insurance providers seeking to cover the increased risk from the elderly.
Is there a maximum age for car insurance?
As long as you’re deemed medically fit to drive, there are car insurance providers with no upper age limit for drivers. You may wish to consult with your GP.
How often do you need to renew driving license?
Once you reach the age of 70, you must renew your driving licence every three years. This is free of charge.
Will the policy auto renew?
Many insurance providers offer auto-renewal on their policies. This can normally be opted out of, with your provider then contacting you near the time of renewal. Opting out of auto-renewal gives you greater control of your cover, with comparing providers one of the best ways to save money on your car insurance.
Is car insurance cheaper for women over 80?
While insurance providers used to consider gender when calculating car insurance premiums, it has been illegal in European law since 2012. Men and women now get the same rates, however, there are still many factors. On average, women are still receiving cheaper car insurance quotes. This may be because women tend to drive less powerful cars, as well as driving less on average, which brings premiums down.