Compare over 70's car insurance quotes

Compare over 70's car insurance

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Can I get car insurance at 70?

Yes, once you turn 70, driving helps you stay independent and enjoy life. To make sure you have the best car insurance for your needs and to save money, it’s important to compare insurance options designed for people over 70.

These policies can be tailored to your unique situation and provide the coverage you need at a reasonable price.

Is it still possible to find cheap over 70’s car insurance?

Even though your insurance rates might be higher when you’re over 70 compared to your 60s, you can still find affordable car insurance.

Older drivers are usually involved in fewer accidents than younger drivers between 17-24 years old, according to data from the Department for Transport.

This lower risk often leads to lower car insurance prices. While the average yearly car insurance cost for everyone is around £629*, more than half of drivers over 70 can find premiums up to £313*. This shows that your years of driving experience can lead to significant savings on your insurance.

*Compare the Market data in November 2022.

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What should I consider as an over 70’s driver?

As a driver over 70, there are a few things to keep in mind:

Renewing your driving licence: When you turn 70, your licence will expire. You will need to go to the DVLA website to renew your driving licence.
Medical conditions: If you have any health issues that might affect your driving, you need to tell the DVLA and your insurance company. Not declaring a condition could make your insurance invalid and result in a £1,000 fine or legal trouble if you have an accident related to your health. Having a medical condition doesn’t mean you can’t drive, but you might need to take a driving test to show you’re still safe on the road. This could also lead to higher insurance costs.
- Email the DVLA about your medical condition
- Phone – DVLA Medical Enquiries
  Telephone: 0300 790 6806
  Monday to Friday, 8am to 7pm
  Saturdays, 8am to 2pm
- Post – Drivers’ Medical Enquiries
  DVLA
  Swansea
  SA99 1TU
Taking an advanced driving assessment: Driving these days can be more challenging than in the past. If you feel less confident, an advanced driving course can help you feel safer and improve your skills. This way, you can stay a safe driver and possibly lower your insurance costs.

‘You could be fined up to £1,000 if you do not tell DVLA about a condition that might affect your ability to drive safely. You could also be prosecuted if you have an accident.’ – DVLA

How can I save on over 70’s car insurance?

There are different methods you can use to lower your car insurance premium:

Limit your annual mileage

If you’re not driving as much because of retirement, working fewer hours, or any other reason, driving fewer miles could help lower your insurance cost. Just make sure to tell the truth about how much you’re driving.

Related: What is a named driver?

Pay for your insurance annually

If you can, paying for your car insurance for the year in one go can also save you money. Paying every monthly usually costs more as there are interest charges.

Buy a car in a lower insurance group

Usually, the bigger the insurance group number, the more you’ll pay for insurance. Picking a reliable, smaller car can help you pay less for car insurance.

Take out a pay-as-you-go policy

If you’re driving less when you’re in your 70s, a pay-as-you-go car insurance plan could be a good choice. With this kind of plan, you can pay per mile or per hour.

Increase your voluntary excess

If you’ve had many years without claims, you might think about paying a higher voluntary excess to lower your insurance cost. Just be sure you can afford the excess amount if you ever need to make a claim.

Improve your car’s security

Putting in an immobiliser makes your car safer and less tempting for thieves. This can help lower your car insurance cost.

Take out a telematics policy

Telematics (black box) insurance might help you lower your premium cost.

Build your no-claims discount

When you don’t make any claims on your car insurance, you’ll create a no-claims discount. This discount gets bigger each year without a claim.

Compare over 70’s car insurance

When you check car insurance quotes with Comparoo, we’ll show your results starting with the cheapest and going to the most expensive. This way, you can choose the policy that’s the best fit for you.

How much can you save on your car insurance?

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Frequently asked questions

Do older drivers need a specialist insurance provider?

While not required, older drivers might benefit from insurance providers that focus on their age group. These specialist policies can offer extra features:

Emergency any-driver cover – If you have a medical emergency, someone else with a valid licence can take over driving.
Courtesy car or ‘get you home’ service – If an accident leaves your car undrivable, this service ensures you reach your destination.
Message relay service – In case of an accident, this service informs a friend or family member for you.

Drivers over 70 don’t always need special insurance. It’s a good idea to compare car insurance from various providers to find the best quote for your circumstance.

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Is there a maximum age limit for car insurance?

No, if you’re healthy enough to drive, you can have car insurance no matter your age.

But, it’s usual for insurance companies to charge more once you reach a specific age. This age can be different for each provider.

Is telematics insurance suitable for older drivers?

Telematics insurance can be a good option for older drivers, especially if they don’t drive much or avoid driving during busy times like rush hour or night time when most accidents happen.

While telematics, or black box insurance, is often used to help new and younger drivers save money on car insurance, it can also benefit older drivers in their 70’s.

The black box is a small device installed in your car or an app on your smartphone. It tracks your driving habits, and if you prove to be a cautious driver, your insurance provider may lower your premiums based on the data collected.

This can be a great way to save money on car insurance for older drivers who maintain safe driving habits.

What extras could I consider?

There are several optional extras you can add to your car insurance policy when you’re over 70. These can provide extra peace of mind and protection:

Breakdown cover – As you get older, tasks like changing a flat tyre can be more difficult. Breakdown cover offers assistance if your car breaks down or you need help with minor issues.

Legal expenses – This option covers legal costs resulting from a car insurance claim, such as pursuing compensation or defending against a claim made against you.

Courtesy car cover – If your car is written off or needs repairs, this cover provides a temporary replacement vehicle for you to use.

Personal accident cover – This protects you and your family financially if you suffer a serious injury while driving, providing compensation for medical expenses, loss of income, or other related costs.

No-claims discount protection – If you’ve built up a substantial no-claims discount over the years, this protection ensures that your discount won’t be affected if you need to make a claim.

Lost keys cover – Losing your car keys can be a hassle and expensive to replace or reprogram. This cover takes care of the costs associated with lost, stolen, or damaged keys.

Where can I find over 70's car insurance?

You can find a variety of competitive car insurance quotes for drivers over 70 right here at Comparoo. Comparing different options is one of the simplest ways to find a more affordable quote.

Compare car insurance with us today to see if you can score an excellent deal on your upcoming premium.

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