Car insurance for over 80s
Learn about over 80s car insurance, including what's covered, how your health affects premiums and how to get the best policy for your needs.
Young and inexperienced drivers often have to pay more for car insurance, which makes sense. However, older drivers are also required to pay higher rates sometimes, which doesn’t seem fair, as they usually have many years of driving experience under their belt. We’ve looked at how you can find the cheapest car insurance for over 80s and what it includes.
Can you get car insurance if you are over 80?
Yes, but you might have fewer options available to you. Many insurers do offer cover for people over the age of 80 though, with some having no upper age limit at all.
Is car insurance more expensive for over 80s?
It can be. Car insurers price your premiums based on how much of a risk they think you are – meaning, how likely you are to make a claim and cost them money. Older drivers are considered by some insurance providers to be higher risk, but that’s not always the case.
If you are in good health and have no history of claims or accidents, then you should still be able to get cover for an affordable price.
If you’ve managed to collect a good no claims discount over the years, that could make your premiums even lower.
What optional extras are available for over 80s?
Optional extras available with over 80s car insurance are similar to those available for drivers of other ages. These include the following:
- Breakdown cover
- Personal accident cover
- Motor legal protection
- Key cover
- No claims discount protection
- Windscreen cover
Will my car insurance be affected by medical conditions?
If you’ve developed a medical condition, you’ll need to declare it to the DVLA and your insurance provider.
Unfortunately, this can mean your premiums go up on renewal or even that you are denied cover altogether and have to go to a specialist provider.
You can find a list of conditions that must be disclosed on the DVLA website. If you fail to declare a medical condition that could affect your driving, you may end up with a fine of up to £1,000. You could even be prosecuted if you’re involved in an accident.
You may need to take a course to assess your driving ability, which can be done at a local Mobility Centre.
You can also take a RoSPA Experienced Driver Assessment course. This might be a good idea even if you don’t suffer from a medical condition, just for your own peace of mind.
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