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  • Does car insurance go up at age 80?
  • FAQs
  • Useful links
  • Customer reviews

Jump to section

  • Does car insurance go up at age 80?
  • FAQs
  • Useful links
  • Customer reviews

Why compare car insurance for over 80s?

At, you can compare a range of quotes from different insurers, giving you a better idea of what’s available. This can help you make a more informed decision about which policy to choose.

Plus, with our Cheapest Price Guarantee, we promise to beat any other online quote so you can be confident about getting the best car insurance for the over 80s

Over 80s car insurance advice and FAQs

Can I get car insurance in my 80s?

Yes, you can still get car insurance if you’re in your 80s. Bear in mind that some insurers do set age limits so you might not have the same level of choice compared to other age groups but that doesn’t mean you can’t get great value cover. 

A number of specialist insurers offer car insurance without any age limit so as long as you’re deemed fit to drive, age shouldn’t put an end to your independence. 

Does car insurance go up at age 80?

When you hit your 80s, you might notice insurance premiums start to increase. After years of enjoying some of the most competitive premiums available, it can be a bit of a shock. 

The reason why premiums start to rise is because insurers consider the risk of an accident (and subsequent claim) increases over the age of 75. Of course, that’s not necessarily true for everyone. In fact, research has shown that many drivers over 75 actively choose when they drive in order to avoid heavy traffic and hazards like low winter sun. 

With that in mind, there are still a number of insurers that offer good value car insurance that take into account your years of experience behind the wheel.

How do medical conditions affect car insurance?

As long as you’re considered medically fit and able to drive, you should still be able to find a policy to suit your needs. However, if asked by your insurer, you’ll need to tell them about any conditions you have (for example, angina) as it may increase the cost of cover.

It’s also important to know that there are some medical conditions you must tell the DVLA about as it could affect your right to be on the road – this applies to all drivers regardless of age. If a condition affects your driving but you don’t tell the DVLA you can be fined up to £1,000. You can find a full list of medical conditions and whether or not they need to be declared at GOV.UK

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 80, 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. 

How is car insurance for over 80s calculated?

Insurers need to work out what the chances of a claim being made are and how expensive that claim might be. To help them calculate that risk, insurers will consider factors like:

  • The car you drive – less powerful cars in lower insurance groups can mean lower premiums.
  • Where you live – living in a busy town or city or somewhere with a high crime rate can increase your premium. 
  • How secure your car is – secure cars attract lower insurance costs. 
  • Your driving record – lower premiums are often your reward for a points-free licence. 
  • Your claims history – a claim in the last five years can increase the cost of cover. 

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, 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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