Car Insurance for Over 70s
Homeapproved delivers access to UK Car Insurance for Over 70s. Delivering value-for-money insurance, get an online quote today and save money on your current premium. The full range of cover levels is provided from straightforward third party through to fully comprehensive.
You could save up to £518*
*51% of consumers could save £518.14 on their Car Insurance for Over 70s UK. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Click through on the ‘Get a Quote’ button above to compare over 70s car insurance quotes from over 130 of the leading UK motor insurers, and obtain the most suitable fully featured cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
Car insurance for drivers over 70 in the UK has evolved significantly in recent years, reflecting changes in both the driving population and insurer attitudes. Today’s older drivers are generally healthier, more experienced, and often drive less than younger age groups, which can work in their favour when seeking cover.
One key consideration is insurer eligibility. While many mainstream insurers still provide cover well into a driver’s 80s and beyond, some apply upper age limits or additional checks. These may include questions about driving habits, annual mileage, or eyesight, rather than age alone. As a result, honesty and accuracy during the quotation process are essential.
Top 6 FAQs Over 70s Car Insurance UK
1. Do I have to get specialist “over-70s” car insurance?
No — there’s no legal requirement to buy a specialist over-70s policy, but many insurers tailor products for older drivers because they evaluate risk differently once you’re over 70. These policies can offer benefits or pricing that reflect your situation. General policies from mainstream insurers are also available if they’ll insure your age and circumstances.
2. Why can car insurance cost more once I’m over 70?
Insurers look at risk factors like age-related slower reaction times and increased medical issues. While many drivers over 70 are safe and experienced, statistically insurers may see increased claim likelihood in later years — so premiums can rise compared to drivers in their 60s.
3. What types of cover can I choose?
As with any UK car insurance, you can typically choose:
Third-party only – meets the legal minimum, covers injury/damage you cause to others but not your own vehicle.
Third-party, fire & theft – adds theft and fire protection.
Comprehensive – fullest cover including your own vehicle’s damage, often with extras like windscreen and legal cover.
4. Do I need to tell insurers about medical conditions?
Yes — you must declare any medical conditions that could affect your driving ability (e.g., heart conditions, vision issues) to both the DVLA and your insurer. If you don’t, you risk invalidating the policy and could face penalties.
5. Can I reduce my insurance costs as an over-70s driver?
Yes, common ways include:
Shopping around and comparing quotes yearly.
Paying annually rather than monthly can reduce premiums.
Adding security features to your car.
Keeping mileage low and your licence clean.
Agreeing a higher voluntary excess (but know what you’d pay if you claim).
Some drivers also consider telematics (black box) policies — but these don’t always save money for older drivers as they do for younger ones, so check rates carefully.
6. Do I need to renew my licence after age 70?
Yes — from age 70, your UK driving licence expires and must be renewed every 3 years. Your insurer may check your licence status at renewal, and failing to renew can affect your cover.
Vehicle choice can also influence premiums. Cars with smaller engines, strong safety ratings, and lower repair costs are usually cheaper to insure. Advanced safety features such as automatic emergency braking, lane assist, and parking sensors can further reduce perceived risk, which may help keep premiums manageable.
Over-70s drivers often benefit from low-mileage policies. Many retirees no longer commute daily, and insurers frequently offer discounts for limited annual mileage. Keeping realistic mileage estimates is important, as exceeding them could affect claims.
Another factor is policy flexibility. Some insurers offer added benefits tailored to older drivers, such as courtesy cars for longer periods, breakdown cover, or UK-based customer service teams. While these extras can increase premiums slightly, they may provide valuable peace of mind.
Finally, regular policy reviews are crucial. Insurance pricing changes frequently, and loyalty doesn’t always guarantee the best deal. Comparing policies each year, checking excess levels, and reviewing optional add-ons can prevent overpaying for cover that no longer fits your lifestyle.
Overall, over-70s car insurance in the UK is less about age and more about individual risk, driving behaviour, and vehicle suitability. With careful selection and regular review, many older drivers can continue to find affordable, comprehensive cover that meets their needs.
