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What is Over 50s Car Insurance

Most drivers aged 50 or over will have considerably more experience behind the wheel than their younger counterparts. There are a number of specialist brands and products on the market designed to cater specifically to the over 50s.

You'll often find premiums are slightly cheaper due to the lower perceived risk, and you may find cover more comprehensive than mainstream products. So it's always worth checking the specialist providers.

Is Car Insurance for the Over 50s Cheaper?

Generally speaking, yes, drivers aged 50 and over tend to pay less than younger drivers. Insurers use complex statistical models when setting premiums, and almost always these show older drivers to be a lower risk than their younger counterparts.

Data from the Department for Transport backs this up. In 2021 car drivers aged 40-49 were involved in 8,499 accidents that resulted in injury, compared to 6,876 for driver aged 50-59.

Do I Need Specialist Cover?

Whilst there are a number of brands and products catering specifically to the needs of older drivers, you certainly don't have to buy one of these policies.

Most insurers recognise older drivers to be a better risk so will reward this with lower premiums, so it makes sense to compare the whole market before deciding on the right policy for you.

Car Insurance Tips for the Over 50s

Try to pay your premium upfront

Many insurers will charge interest if you opt to pay monthly. So, if you are able to, always look to pay for the year upfront to avoid this extra cost.

Don't buy unnecessary extras

You'll no doubt be offered a host of policy extras by your chosen insurer. Don't pay extra for cover you won't use. Don't forget you can often save money with stand-alone breakdown cover.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their car insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier driving habits.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

20/20 vision

As you get older your eyesight can suffer. The DVLA require every car driver to be able to read a car number plate from 20 meters away (wearing glasses or contact lenses if necessary). So if you haven't been to the opticians for a while considering booking an appointment. You don't want to risk invalidating your insurance for the sake of an eye test.

Medical conditions

One of the drawbacks to getting older can be more frequent trips to the doctors. Make sure you follow your doctors advice and notify the DVLA if necessary. You can be fined up to £1,000 for failing to notify the DVLA and risk invalidating your insurance.

How to Save £s on Car Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Tell us about you

Enter your personal information, name, address, occupation, etc – this tells the market who you are and where you live.

2
Provide your requirements

What are you looking to cover, the vehicle, who will drive it and how far will you drive. You can also select the level of cover – Comprehensive or Third Party, Fire and Theft? Do you want Protected No Claims Bonus or not?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Breakdown? This can all be amended before selecting your desired policy.

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