Compare Over 70s Car Insurance

Compare leading insurers and discover the best coverage.
Look at more than 110 providers and save as much as £523.
Get savings on car insurance for those over 70 with special offers.

Do Over 70s Need Special Car Insurance?

In the UK, when you turn 70, you need to renew your driving licence every three years to drive legally. There is no law that says older drivers must have special car insurance. However, insurance companies usually change premiums depending on age, health, and driving ability.

Many drivers over 70 can still get cheap car insurance. This is especially true if they have many years of experience and a no claims bonus. However, some drivers may pay higher insurance costs. This is because they often face more health risks and have a higher chance of getting into car accidents.

Common Challenges for Drivers Over 70

Health Considerations & Medical Conditions

As we get older, we might face health issues that can affect our driving. Insurance providers see this as a higher risk. As a result, it can lower car insurance premiums.

If you have a medical condition that might change how you drive, you need to tell the DVLA and your insurer. Here are some conditions to consider:

Medical Condition	Does it Require Reporting to the DVLA?
Epilepsy	Yes, mandatory reporting
Diabetes (insulin-dependent)	Yes, if it causes hypoglycaemia
Parkinson’s Disease	Yes
Heart Conditions	Yes, for conditions like arrhythmia
Visual Impairments	Yes, if it affects field of vision
Strokes & Mini-Strokes	Yes, if symptoms persist after a month
Sleep Apnoea	Yes, if moderate or severe

If you do not report a medical condition, your car insurance may not be valid. For more information, visit GOV.UK’s driving and medical conditions page.

Increased Insurance Costs for Older Drivers

Many insurance companies see drivers over 70 as a higher risk. This is because they may have slower reaction times and health issues. They also tend to make more claims. Still, if you get the right car insurance cover, you can find a better deal.

Factors that might raise the cost of car insurance for older drivers include:

Minor accidents happen more often because reaction times are slower.
There is a greater chance of medical emergencies while driving.
Repair costs are higher for new or valuable vehicles.
Some insurance providers are limiting policy options for older drivers.

Get Quotes

How Much Does Over 70s Car Insurance Cost?

Age Group	Average Annual Premium (2024)
50-59	£450 - £700
60-69	£400 - £650
70-79	£550 - £900
80+	£700 - £1,200

Premiums depend on several things. These include your driving history, your annual mileage, and your personal circumstances.

Ways to Lower Over 70s Car Insurance Costs

There are many ways to lower insurance costs while still having the right cover.

Look at policies from several insurance providers to find a better deal.
Limit your annual mileage. Drivers with low mileage might get lower premiums.
Raise your voluntary excess to lower your monthly premiums.
Pick a car in a lower insurance group. Smaller or less powerful cars cost less to insure.
Take an advanced driving course, like IAM RoadSmart or RoSPA, to show you are a good driver.
Pay for your insurance annually, not monthly, to avoid paying extra in interest.

A claims bonus can really lower insurance costs as time goes by.

Levels of Cover Available for Over 70s

Choosing the right level of cover depends on what you need and how much you can spend.

Level of Cover	What It Includes	Best For
Third-Party Only	Covers damage to others but not your own vehicle.	Those looking for the most basic level of cover.
Third-Party, Fire & Theft	Covers third-party damage, fire damage, and theft.	Drivers with low-value cars who want extra protection.
Comprehensive Car Insurance	Covers damage to your own car and third parties, even if you're at fault.	Those wanting the highest level of protection.

Comprehensive cover is usually the best choice. It gives you peace of mind and can even be less expensive than third-party cover.

Additional Cover Options for Over 70s

Some extra features might help older drivers feel safer.

Breakdown cover – Aids you if your car stops working and needs roadside assistance.
Legal expenses – Pays for legal fees after a car accident.
Personal accident cover – Offers financial help for serious injuries.
Uninsured driver promise – Makes sure you are covered if an uninsured driver hits you.
European car cover – Expands your insurance when you drive in Europe.

Legal Requirements for Over 70s Driving in the UK

After you turn 70, you need to renew your driving licence every three years.
If you have medical conditions that affect your driving, you must report them to the DVLA and your insurance provider.
Your insurance policies must provide at least the minimum cover set by UK law.

If you do not renew your licence, you will not be allowed to drive legally.

Multi-Car Insurance for Over 70s

If you own more than one vehicle, multi-car insurance can help lower your costs.
Some insurance companies provide discounts for homes with several vehicles.

Multi-car insurance can save families money if they have several drivers.

How to Make a Claim Under Your Policy

Call your insurance company right away if you have an accident, theft, or damage.
Offer your motor insurance certificate and other important details.
Share information with other drivers if you are in a crash.
Send photos and proof to back up your claim.
Review your policy text to see what is included.

Some insurance companies offer a free car while your car is being repaired.