Senior Car Insurance

Yes. There’s no legal upper age limit for car insurance in the UK — you can get a policy if you’re over 50, 60, 70, 80 or older, provided you meet the insurer’s criteria and are medically fit to drive. Specialist policies for mature drivers exist and are designed for older age groups.

Yes — once you turn 70, you must renew your driving licence every three years with a health declaration to the DVLA. If you don’t renew your licence, you can’t legally drive, and your insurance could become invalid.

Insurance pricing depends on risk assessments. While middle-aged drivers often enjoy lower premiums, once you hit your 60s and beyond, fewer insurers are willing to cover you at standard rates, which can push premiums up — especially if you declare “retired” as your occupation, which some providers view as higher risk.

Senior drivers can choose from the standard UK levels of cover: Third Party Only (TPO) – the minimum legal cover required. Third Party, Fire and Theft (TPFT) – also covers fire damage and theft. Comprehensive – the broadest protection, including own-vehicle damage. There are also optional add-ons like breakdown cover, courtesy car, legal protection and European cover.

Yes. Some providers focus on mature driver insurance (e.g., Age Co, Sterling, RAC, Saga and brokers like Towergate). These often include benefits tailored to older motorists and may reward experience and safe driving — such as telemetry/black box telematics policies for over-65s that could lower renewals if you drive safely.

Here are a few ways older drivers can help keep costs down:

Shop around every year — prices vary widely between insurers. Keep your no-claims bonus and choose voluntary excess carefully. Consider telematics/black box policies if offered, which reward safer driving. Accurately describe occupation and mileage, but always honestly — misleading information can invalidate cover. Remember, what you declare (e.g., “retired”) can affect pricing, so check whether an alternative accurate description is more favourable.

The online motor wizard is simple to use and will take less than 2 minutes to complete. Your personal driver profile will be matched to the most suitable senior citizen car insurance companies. Specialist, tailor-made protection is offered for both over 50’s and over 60’s safe, mature drivers.

By excluding younger drivers and those motorists statistically more likely to have a serious accident and make a claim, senior citizen insurers can pass on the savings made by them to you. Experience counts for a lot and it is important that you shop around thoroughly to establish the companies and brokers who target their products at this class of driver.

Simply obtaining a mainstream car insurance policy is probably not going to deliver the most suitable combination of price and protection. Every year you remain accident free, your premiums will decrease, so if you are a careful driver having spent years building your no claims discount, your premium will become even lower when you reach 50.

Senior car insurance is a legal requirement in the UK and it is against the law to drive without the protection of a car insurance policy. You must carry with you at all times, whilst driving, your certificate of insurance as this will provide evidence of your cover should it be required.