Over 50’s Car Insurance
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Is over 50s car insurance cheaper?
Over 50s car insurance in the UK can be significantly cheaper when compared to what younger age groups pay. The average annual cost of car insurance for 45-64 year olds in the UK is £541.16 as of December 2024. And this drops to an average of £477.50 if you are over 65.
Of course, this is just an average, and the cost of your over 50s car insurance will be specific to you and the different risks you present to an insurer. One of the key indicators of how much you will pay is where you live. Find out the average cost of insurance for over 50’s in your region now.
Benefits of choosing over 50s car insurance
When you compare insurers who cover drivers over 50, you could get access to specialist policies for older drivers. These can include benefits like:
Lower premiums
On average, over 50s enjoy some of the lowest insurance premiums in the UK. This is partially because many over 50s have decades of driving experience, and have worked to build up some of the highest no claims discounts available.
Tailored coverage
Policy coverage can be tailored to include options that are popular with drivers over 50. This can include no claims bonus protection, European cover, or breakdown cover with roadside assistance.
Specialist insurers
Some insurers will specialise in insuring older drivers, while others can offer policies specifically for older age groups. This could be a huge benefit as they will be familiar with the unique needs of older drivers, like covering drivers with medical conditions that impact their driving ability.
How can I find cheap car insurance for over 50s in the UK?
If finding cheap over 50s car insurance quotes is your main goal, these tips could help. However, be aware that the cheapest policy is not always the best. Although over 50s insurance costs have gone up in recent years, it is still important to choose cover that adequately protects and gives you peace of mind on the roads.
Limit your annual mileage
The annual mileage you give when comparing insurance will affect the cost of your premium. Less time on the road means less risk of being in an accident, so lower mileages can be rewarded with discounts.
Increase your excess
Raising the voluntary excess on your policy means you take some of the burden of claims off the insurer. In some cases, higher excesses could mean cheaper quotes.
Keep your car safe and secure
If your car’s security features are outdated it could be more vulnerable to theft. Updating these, or simply parking your car in a more secure location could help lower insurance costs.
Protect your no claims discount
A long no claims discount could work wonders for lowering insurance premiums. This is because it acts as proof that you are a low risk to insure.
Choose coverage carefully
Choosing only the cover you need means you don’t overspend on insurance. Leaving out add-ons or extras that you know you won’t use can help keep costs low.
Bundle insurance policies
Some providers could offer discounts if you insure more than one car with them. Multi car insurance could also be an option that works out cheaper overall.
Choose your car carefully
The make and model of your car will indicate its insurance group and value, which both factor into your premium.
Compare cheap motor insurance for over 50’s
Comparing quotes from a range of insurers means you are less likely to miss out on cheaper options for the same coverage. At Quotezone, we can help you compare over 50s car insurance from over 120 trusted UK car insurers.
Do I need a health check to get car insurance if I am over 50?
No, insurers will not ask you for a health check or medical history when applying for insurance. However, if you have a medical condition that affects your driving ability, you will need to declare this to both the DVLA and your current and future insurers. If you fail to declare this, you risk getting a fine of up to £1,000 or even prosecution if you’re involved in an accident.
What does car insurance for over 50s cover?
Coverage options
Like with standard car policies, over 50s car insurance coverage will be offered as:
- Third party only (TPO)
- Third party, fire and theft (TPFT)
- Comprehensive car insurance
Your standard coverage will depend on which of these options you choose.
Typical exclusions
Common exclusions are:
- Normal wear and tear of the vehicle
- Claims made by drivers not covered by the policy
- Driving under the influence or without a licence
- Intentional damage
Always check the specifics of the policy you choose as insurers often have their own exclusions and limitations.
Popular add-ons for over 50s car insurance
Add-ons are a great way to get more comprehensive coverage and peace of mind when driving. However, these can come at additional costs, so be aware of the impact of including them. Popular add-ons include:
- Breakdown cover
- Personal accident cover
- Motor legal expenses cover
- European cover
- Drive other car (DOC) cover
- Courtesy car cover
- Car key cover
Why use Quotezone to find over 50s car insurance?
With Quotezone, you can compare over 50s car insurance quotes from over 120 UK insurers using one simple form. We partner with a wide range of insurers, so you get access to competitive quotes tailored to your needs. By streamlining the comparison process, we save you time and effort, making it quick and easy to find the coverage you need at a price you can afford.
Over 50s insurance FAQs
Can I still get cover if I have points on my licence?
Should I go with a specialist over 50s car insurance provider?
Does over 50s car insurance cover me for driving in Europe?
Who does the best car insurance for over 50s in the UK?
How much is the average car insurance for a 50 year old?
Why has my car insurance gone up when I am over 50?
Other insurance options for over 50s
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*51% of consumers could save £515.24 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.