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Car insurance for over 80s

For many people, a car is a lifeline, giving them the freedom to get around easily and stay in touch with friends and family. As long as you are physically capable and renew your licence every three years after your 70th birthday, there is no reason why you shouldn’t continue to drive well into your 80s and beyond.

At mustard.co.uk, we work with some of the UK’s leading insurance providers to help you compare cheap car insurance for over 80s drivers that not only gives great cover at a budget-friendly price, but peace of mind too. We use our expertise to help you compare quotes from providers such as Swiftcover, Swinton, and Hastings so you can make an informed choice about your next car insurance policy. Our quick car insurance quote service can help you to find the best car insurance for over 80s from our panel of insurance providers.

Is car insurance cheaper for over 80s?

Regardless of your age, shopping around and comparing insurance can help you find a better deal. The best way to find it may be to compare the different policies on offer to find one that fits you and your budget.

When you get to your senior years you may find that your insurance premiums rise among some providers. This is where a comparison service from mustard.co.uk can help. We compare prices from a range of insurers including those who take into consideration the fact that older motorists are often more experienced and more cautious, and so may be less likely to have an accident than younger drivers.

You can find out more about the differences between young and older drivers in our informative blog.

What are the benefits of over 80s car insurance?

Over 80s car insurance policies may be specifically tailored for older drivers, taking into account their greater experience as drivers. Your car insurance may include various extras to give you peace of mind, such as key cover in case you lose your keys while you’re out and about and no-claims discount protection so that the years of no-claims bonuses are protected if you have to make a claim.

As long as your GP is happy that you are fit and well enough to keep driving, there is no reason why you should stop using your car in your 80s. Having the best car insurance for over 80s means that you can keep your independence and enjoy driving in your golden years.

What does car insurance cover for over 80s drivers?

As with any other type of car insurance, for over 80s, policies can be divided into three main groups:

  • Third-party only – the absolute minimum you need to be able to drive legally on the roads in the UK, third-party only is designed to cover the cost of damage to another person’s property or to compensate them for any injuries sustained.
  • Third-party fire and theft – the same as third-party only, but also protects you if your vehicle is stolen or damaged by fire.
  • Comprehensive – the highest level of cover you can buy, Comprehensive includes all of the above but importantly, it also covers your own vehicle and may pay out if your car is damaged in an accident.

Over 80s car insurance may also include a range of additional features such as:

  • Protected no-claims bonus
  • Windscreen cover
  • Legal fees cover
  • High or unlimited liability cover if you cause death or injury to another person while driving
  • A courtesy car while your car is being repaired
  • Breakdown cover and onward travel cover.

How to get cheaper car insurance for over 80s

As well as comparing quotes online, you may also be able to reduce your payments by paying your insurance premium in one lump sum up-front, rather than spreading it over monthly payments. Splitting your payments up into monthly direct debits may seem like a budget-friendly way of paying for your policy, but you may incur additional interest charges on top of your premium, which could make it more expensive.

You could also think about increasing your voluntary excess, which may cut the cost of your premiums. However, remember to think about how much you are comfortable paying on your excess charges, as you will need to pay it before a claim can go ahead.

Increasing security can help to lower your premiums. If your vehicle is garaged rather than parked on the road, or if it has security features such as immobilisers and trackers fitted, all of this could help to cut the cost of your over 80s car insurance.

Finally, if you only use your car occasionally then a limited mileage policy may help to cut the cost of your insurance. The theory is that, statistically, the fewer miles you do, the less likely you are to have an accident, however it is worth comparing policies to find the most suitable one for you.

Will my medical condition affect my car insurance?

Once you reach 70, you will need to renew your driving licence every three years. Your GP will also play a part in determining whether you are fit to drive, particularly if you have underlying health conditions. There are a number of different medical conditions that can have an effect on your insurance (including whether some insurance providers will be willing to cover you in the first place).

Some of these are known as ‘notifiable conditions’, meaning you must inform DVLA as it could determine whether your licence is renewed or revoked. This applies to all ages and isn’t just aimed at older drivers. Failure to notify DVLA of some health conditions may result in a fine of up to £1,000. For a full list of notifiable conditions, check out the DVLA link here.

You can start your search for over 80s car insurance quotes at mustard.co.uk using our instant ‘Get a Quote’ button.

Over 80s car insurance advice and FAQs

What should I look out for as a driver over 80?

Despite more years behind the wheel, older motorists may need to watch out for a few additional hazards when driving. As we age, reaction times can slow so it could be useful to give yourself a little extra space and time when driving. Some drivers over the age of 80 also notice that their eyesight starts to diminish, so regular eye checks are recommended. To avoid bad habits creeping in, such as driving with your foot on the brake, some more mature drivers take refresher lessons with a qualified instructor.

Can I save if I only drive my car occasionally?

Some insurance providers may offer discounted insurance for older drivers who do limited mileage every year. If you only use your car for popping to the shops or visiting family, a limited mileage policy could save you money.

Is telematics suitable for older drivers?

Telematics, also known as ‘black box insurance’, is used by some insurance providers to provide them with detailed information about the habits of a driver. These can be used to bring the cost of your insurance premiums down, especially if your data shows you to be a safe, competent driver. Telematics is suitable for drivers of all ages, including older drivers who may benefit through cheaper insurance cover.

What does car insurance for over 80s cover?

Over 80s car insurance covers the same risks as other types of car insurance which means you’ll be able to choose from third-party only; third-party, fire and theft, and comprehensive cover. 

You’ll also be able to choose from a range of extras like legal expenses, breakdown cover and windscreen cover. Some specialist insurers also offer additional benefits for drivers over 80s, including:

  • Protected no claims bonus as standard
  • Guaranteed courtesy car
  • Very high or unlimited liability if you cause death, injury or damage to another person.

Which medical conditions might force me to give up my licence?

There are a number of medical conditions that could affect your ability to drive. As an older driver, you will need to renew your licence regularly, and part of that renewal process may involve a medical check with your GP. Conditions such as angina, black-outs, seizures and glaucoma may result in you having to give up your licence permanently.

Ways to reduce car insurance for over 80s

Just because premiums can start to creep up when you reach your 80s, doesn’t mean there aren’t ways to keep costs as low as possible, for example:

  • Pay for your policy upfront – this can work out cheaper compared to monthly instalments which often includes interest. 
  • Increase your voluntary excess – this can reduce your overall premium, but it still needs to be affordable as you’ll need to pay it for a claim to go ahead. 
  • Boost security – keep your car as secure as possible as it can help lower premiums. 
  • Limit the miles you do – fewer miles means you’re less likely to be involved in an accident which can keep premiums low. 

Why should I compare car insurance for over 80s?

Car insurance is a competitive market and comparing quotes can help you find the very best deals available. 

At mustard.co.uk, searching for quotes couldn’t be easier, simply fill in our online form from the comfort of home or call a friendly, expert advisor on 0330 022 8814.

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