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Over70s Car Insurance

Q: Motor legal protection

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

Q: Personal belongings cover

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

Q: Personal accident cover

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

Stay covered without overspending. Explore car insurance for over-70s, compare cheap deals, and get a quote today.

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Tell us a bit about yourself

Start by sharing a few details, such as your age, address, job, and driving history. This helps us show you car insurance policies that match your needs.

Add your car details and cover preferences

Enter your car's make, model, and any modifications. Let us know how you use it, and we’ll help you find the best car insurance from trusted UK providers.

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We'll show you options side by side so you can easily compare over 70s car insurance and pick the policy that fits your budget and cover level.

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*.

Type	Median cost paid for annual car insurance (January 2025)
Fully comprehensive	£418*
Third party, fire and theft (TPFT)	£408*
Third party only (TPO)	£559*

*Disclaimer: Quotes shown are for illustration purposes only. Actual premiums depend on individual circumstances and are subject to insurer verification.

Updated on 20 November 2025

What type of car insurance is best for over-70s?

Good car insurance cover gives you confidence to keep driving safely and enjoy the road.

Third-party insurance

This is standard car protection. It covers damage to another car or property if you're involved in an accident, but it won't pay for repairs to your own vehicle.

Third-party, fire and theft insurance

This option includes everything in a third-party car cover, but also helps if your car is stolen or damaged by fire.

Comprehensive insurance

For the highest level of protection, comprehensive car insurance covers you and others on the road. It includes damage to your car, no matter who’s at fault.

Disclaimer: Coverage suitability depends on your individual needs and circumstances. Consider your vehicle value and personal preferences when choosing.

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

Motor legal protection

Courtesy car cover

Personal belongings cover

Personal accident cover

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.