Over-80s car insurance

Yes, you can be a named driver on someone else’s car insurance.

Alternatively, if you need to drive another car for a limited time, you could consider temporary car insurance for over 80s.

Yes, you can add named drivers to your policy. For example, you might want your children to be able to drive your car when they come to visit.

Having an additional driver could also alter your annual premium. People with a named driver on their policy typically save around £158 a year on their car insurance compared to those with no additional driver³.

Not in law, although some providers impose their own maximum age limit.

As long as you’re medically fit to drive, you’ll be able to find car insurance with no upper age limit.

It depends on your policy. Many insurance providers offer auto-renewal, but opting out of this allows you to compare quotes and potentially save money.

Yes. You might decide to stop because medical conditions are affecting your ability to drive, or perhaps you no longer feel confident about driving.

In either case, you should send your licence to the DVLA with a declaration of voluntary surrender.

It’s never an easy decision to stop driving, but it’s important to recognise if your driving ability isn’t what it used to be. It may be time to give up driving if:

• Your reactions are slower than they were

• You find traffic conditions increasingly stressful

• Your eyesight is getting worse

• Family members are suggesting that driving is no longer a good idea.

It’s possible the DVLA might tell you to stop driving if your assessment finds it’s unsafe for you to drive.

You’ll be given a medical reason why you need to stop driving, and be told if or when you can reapply for your licence. You can write to the DVLA if you disagree with its decision.

Some insurance providers offer cheaper low-mileage car insurance. If, like many older drivers, you don’t use your car much, it’s worth shopping around to see if you can benefit. What’s considered low mileage varies among providers.

Some telematics or black box insurance policies may be cost-effective for older drivers.

Yes, you can insure an older car. If your car is over 15 years old and worth at least £15,000, it could be considered a classic car by HM Revenue and Customs.

Plenty of insurance providers will be keen to offer cover, especially as owners of classic cars tend to maintain them well and drive fewer miles. Drivers who insure cars older than 15 years could pay an annual premium of around £675³.