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Young drivers are some of the highest-risk drivers on the road, but older drivers – and especially those over 50 – sit on the other end of the scale. Thanks in part to their sensible approach to driving and their superior experience, those over 50 years of age tend to pay less on car insurance than other road users.
On this page, we’ll explain everything you need to know before getting your own quote for over 50s car insurance.
Drivers over 50 are less likely to cause a claim than younger drivers, and less risk usually means lower premiums. That’s why car insurance for over 50s tends to cheaper than that of other age groups.
Like insurance for other age groups, car insurance for over 50s is calculated by factors such as your no claims bonus, the car you drive and the miles you’ll do in it – as well as the place you live and your current occupation. Health conditions will also play a role in what you’re quoted.
To get a quote for over 50s car insurance, you’ll need the same details as you would for any other insurance policy. Here’s a list of everything you’ll need:
Insurance for over 50s doesn’t require a health-check, but it’s important to let your insurer and the DVLA know about any pre-existing conditions or new health issues that could affect your driving. Notifying them may mean your premiums go up, but not telling them and causing an accident could result in a fine of up to £1000 – and even prosecution.
“Motorists over 50 are one of the safest groups of drivers on UK roads, and they’re rewarded with cheaper premiums. However, it’s still worth comparing multiple quotes – and there are ways of driving costs down even further.” Curtis Moldrich - Automotive Journalist
Over 50s tend to benefit from cheaper premiums from major insurance providers, but it can be worth going with specialist car insurance providers. Policies bespoke to over 50s can include useful benefits and add-ons such as a guaranteed courtesy car and a ‘get you home service’ in the event of an accident. Lost keys cover can also be particularly useful.
It’s possible to cut costs by upping your voluntary excess and agreeing to pay more before the insurance company pays the rest. However, while it may seem like a great idea to hike your voluntary excess up, remember that you may have to pay it one day – so make it affordable
Designed to record data such as speed and acceleration, a telematics / black box policy essentially records your inputs and shows if you really are a safe driver. Premiums could go down if you’re willing to have your driving monitored
Make sure your car uses a modern immobilizer or tracking device. Securing your car in a garage overnight may also help push your premiums down
Reducing your mileage will reduce costs, as the fewer miles you drive the less insurers will view your car as at risk. Black box policies can easily measure how many miles you do and will be able to reward you for sticking to your limits
If your life situation changes and you have a longer commute – or perhaps own multiple properties – it’s possible your mileage will go up. The more mileage, the longer your car is on the road – and the greater the risk of accidents. All of the above means higher premiums, despite being older and more experienced.
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*Quidco ran a prize draw between 22.07.20 and 05.08.20 asking participants to test us by comparing two car insurance quotes: one from Compare and one from any other UK comparison site. Out of 2,392 participants, 82.25% received a lower premium from Compare with their cashback included.