Over 50's car insurance

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How to save money on car insurance

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Learn how to save money on your car insurance with our special guide...

Cheap car insurance for the over 50’s

There are many perks to growing older and wiser, and cheaper car insurance is certainly one of them.

In fact the over 50’s have the lowest car insurance premiums of any age group, with the ABI’s own statistics showing that the average premium for a driver aged over 50 is almost half the cost as that for a driver aged between 26-30.

The over 50’s are able to enjoy such reduce premiums for the simple fact that they are far less likely to be involved in accidents and to make claims than younger drivers.

Insurance costs are calculated using a variety of different metrics in order to ascertain the risk of insuring a certain driver.

The over 50’s are therefore seen as a lower risk as they have more experience on the roads, and premium costs are reduced further as drivers ages 50 and over have probably accrued a decent no claims discount.

Although you may well be getting what are statistically speaking the best car insurance prices, it’s still well worth putting a bit of effort in to make sure you are getting the best possible deal for you and your particular circumstances.

As well as the continuous rises in Insurance Premium Tax (IPT) adding to car insurance premiums, there always remains the potential for paying over the odds if you auto-renew your policy rather than shopping around for a better deal. Even if you are aged over 50, it’s still common for car insurance companies to reserve their very best prices for new customers – so you could be missing out on extra savings simply for being loyal.

As well as making sure you are not paying more than you should for your car insurance, there may be other factors worth considering. After all, price isn’t everything and now that you are over 50 and experiencing the benefits of lower premiums you may want to use some of those savings to access a higher quality insurance service. For example, you may want to pay that little bit extra for a much better customer service experience, or a higher level of cover (e.g. breakdown cover, windscreen cover, legal expenses etc…)

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Over 50’s car insurance cover options

The big bonus with over 50’s car insurance is the reduced cost of premiums, but there’s over options you should also be looking for when comparing policies.

When buying over 50’s insurance you have one big decision to make: do you go for a specialist over 50’s car insurance company like Saga, RIAS or AgeUK, or get cover from a ‘normal’ insurance company?

In our experience there is no definite answer to this question, as the price you get quoted depends on your individual circumstances. Some people get the best mix of cost and cover by going with a dedicated ‘seniors’ insurance company, while others find a better deal with one of the big boys or by using a price comparison website.

The key, as always, is to shop around and never settle for the first quote you get.

In terms of the cover options you should be looking out for with over 50’s car insurance, some of the most common include:

  • Comprehensive cover
  • Free courtesy car
  • 24/7 claims department
  • Protected no-claims discount

On top of these ‘standard’ cover options, there are some extras you should consider as well – such as:

  • Excess protection
  • Breakdown cover
  • Uninsured driver cover
  • ‘Get you home’ cover
  • Key protection cover
  • Vandalism cover

Some, or even all, of these ‘optional extras’ can come as standard with some of the dedicated over 50’s car insurers. It may mean a slightly higher premium but with the extra level of cover you could end up saving a lot of money if you needed to claim.

How to reduce the cost of over 50 car insurance?

As we’ve already mentioned, over 50’s car insurance tends to be quite a bit cheaper in terms of premium costs. However, with insurance prices rising in general due to the increase in IPT and the effect of whiplash claims, there’s always room to further reduce the cost of your policy.

In order to get a cheaper over 50’s car insurance quote, you could try some of the following:

Increase car security

Insurance companies love a client who is willing to go the extra mile to make sure their vehicle is as safe as possible when parked. From parking it in a garage to having a car alarm and using various anti-theft devices and immobilisers, you can show your insurance company you mean business when it comes to keeping your car safe and sound.

Reduce your mileage

It stands to reason that the less you drive your car, the less likely you are to be involved in an accident and therefore make a claim on your insurance. A lot of drivers actually over-estimate the mileage they intend to drive for the year, which means they could be paying more than they have to.

Increase your excess

A very standard method of reducing insurance costs is to tell your insurer that you are willing to pay more towards the cost of any claim in the form of an increased excess.

Consider the type of car

Having a car that is a magnet for thieves is always going to result in you getting a higher premium quote, as insurers look to cover the increased risk of you making a claim.

Pay all of your premium up front

There tends to be two options when paying for car insurance: pay monthly or pay it all in one go. Usually there are some significant discounts available if you have the money to pay for the whole 12 months upfront, rather than spreading the cost over 12 months.

Car insurance for over 60’s and over 70’s

When it comes to car insurance, the same rules for those aged over 60 apply as for those aged over 50.

However, once you reach the age of 70 you have to renew your driving licence and continue to do this every three years thereafter.

Over 70’s don’t need to take a test, but they do need to keep their driving licence up to date with any medical conditions that may affect their ability to drive safely, such as:

  • Epilepsy
  • Diabetes
  • Heart conditions
  • Eye conditions
  • Parkinson’s disease

Subsequently, over 70’s car insurance can differ as insurance companies could begin to view you as a higher risk if you have a medical condition that could affect your driving.


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