If your car gives up mid-journey, breakdown cover keeps you moving with quick roadside support.

Some policies also include a courtesy car or replacement car, so you can stay mobile when your car is being repaired.

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Over80s Car Insurance

Q: Motor legal protection

When someone else is at fault, motor legal protection helps cover the costs of claiming back what's yours.

Q: Personal belongings cover

Your car carries more than just passengers. With personal belongings cover, you're protected if your things are lost, stolen, or damaged.

Q: Personal accident cover

If you're injured on the road, personal accident cover provides financial support to help you recover.

Don't let age affect your insurance. Find competitive rates, compare quotes, and get the protection you need for life on the road.

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Share a few details about yourself

Start by telling us a bit about yourself: your age, address, and driving history. This helps us find the best car insurance policies for your situation.

Add your car and cover preferences

Let us know your car's make, model, and any modifications you’ve made, and we'll help you find the right cover from leading insurance providers.

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Once everything's set, you can see the quotes side by side. Choose the policy that feels right for you.

Is car insurance more expensive for over-80s?

It depends. Once you reach the age of 80, the cost of your insurance premiums may rise. Insurers see a higher risk at this stage, which can bring the cost noticeably up. At the same time, drivers pay less if they have a clean driving record.
Consider looking at car insurance quotes to see the range of available options.

How much is car insurance for drivers over 80?

Over-80s car insurance policies vary depending on your car and driving history. On average, quotes reach around £552, which is still reasonable.

You can compare over-80s car insurance with us to find policies that balance cost and coverage.

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 24 November 2025

What type of car insurance is best for those over 80?

When you're driving in your 80s, choosing the right level of insurance cover matters more than ever. The right insurance can help protect both you and others if you're ever involved in an accident.

Third-party insurance

This only kicks in if you cause damage to another car or property. A third-party general insurance policy won't cover any damage to your car, so you'd have to handle your own repairs.

Third-party, fire and theft insurance

A step up from basic cover, this option still helps if you're at fault in a car accident, but the insurer also covers your car if it's stolen or damaged by fire.

Comprehensive insurance

The most complete form of protection, comprehensive car insurance covers both your own car and those of other people. This insurance protects you financially and gives you extra peace of mind on the road.

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?

Optional extras make life easier following a car accident or during repairs.

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?

Have these details at hand for a quick and accurate process:

Age and occupation
Home address and where the car is parked overnight
How you use the car
Estimated annual mileage
Driving licence number
Car registration number and purchase date
Any modifications
No Claims Discount
Any accidents or claims in the past five years
Driving convictions or penalties from the past five years
Information on any additional drivers

Should I go with a specialist over-80s car insurance provider?

Not necessarily. Specialist car insurance is not mandatory, but some providers offer car insurance for older drivers that people over 80 may find useful.

Will my medical conditions affect my car insurance?

A medical condition can influence your cover, especially for insurance for over-80s drivers. You need to renew your licence every 3 years, and you must declare any medical conditions that could affect your ability to drive to the DVLA and your insurer as soon as they appear. Not doing so could invalidate your car insurance and cause problems if you need to make a claim.