Over70s Car Insurance

Is car insurance more expensive for over-70s?

As an older driver, you need to renew your licence every three years. You also have a responsibility to inform your insurance company of any conditions that could affect your ability to drive. Cheaper car insurance for a 70-year-old is available if insurers see you as healthy and responsible, but car policy premiums can quickly increase if any health issues are noted.

How much is car insurance for people over 70?

For a 70-year-old, insurance costs are not always as high as you might expect. Statistically, older drivers are less likely to be involved in accidents, which some insurance companies consider. The premiums can be around £385*.

What optional extras do I need?

Adding a few extras to your motor insurance can make life much easier when something unexpected happens.

Breakdown cover

If your car stops working miles from home, breakdown cover gets you moving again.

Motor legal protection

This helps with legal costs if you need to make or defend a claim after an accident.

Courtesy car cover

Some policies even offer a courtesy car or replacement car while your car is being repaired.

Personal belongings cover

This provides protection for items left in your vehicle, such as clothing or electronics.

Personal accident cover

If you're injured in a crash, this cover provides financial support for you and your passengers.

What details do I need to get a car insurance quote?

Whether aged 70 or not, a few basic details help you find the right insurance quickly:

• Age and occupation
• Home address and where you park your car overnight
• How you use your vehicle
• Estimated annual mileage
• Driving licence number
• Car registration number and purchase date
• Any vehicle modifications
• Your No Claims Discount
• Any accident or claims over the last five years
• Driving convictions or penalties in the last five years
• Details of any additional drivers

Should I go with a specialist over-70s car insurance provider?

You don't have to switch, but a specialist insurance provider may be worth considering once you hit 70. Insurers offering these policies tailor coverage for mature drivers, often with terms better suited to drivers over the age of 70.

Will my medical conditions affect my car insurance?

A medical condition affects your car insurance, at least when it may affect your driving. Insurance policies for drivers with health issues are adjusted to reflect risk and ensure safety.

You must inform the DVLA and your insurer if you are suffering from a condition that could affect your ability to drive, as failing to declare it could invalidate your insurance policy.

FAQ

Do I need a special car insurance policy once I turn 70?

You do not automatically need a special policy once you reach 70. Some insurers offer over-70s car insurance, but standard policies often remain available.

What factors affect car insurance premiums for over-70s?

Several factors affect car insurance premiums for drivers aged 70 and above. Health, driving history, car type, and mileage all play a role in how much you pay. Comparing quotes helps you spot the best rates and coverage options.

Can over-70s get no-claims discounts?

Yes. If you need to make a claim, it could reduce your it, but minor incidents often won’t affect your no-claim discount.

Can retired drivers get cheaper car insurance?

Yes, because they drive less and pose a lower risk. However, you must stay aware of the rules for driving in the UK, as it has likely been many years since you took your driving test. You will need to renew your driving licence every three years once you reach 70, in accordance with UK law.

At what age does car insurance start to increase again?

Car insurance tends to rise again around age 70 or 75, as insurers see higher risk in older drivers. A medical condition that could affect your driving ability may also further influence the cost of your policy