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Over 60s Car Insurance: Compare Quotes & Save

If you are over 60 and looking for car insurance, why not perform a comparison using Free Price Compare to identify the best deals. Simply by being in this age bracket, you will be offered exclusive quotes and savings.

At Free Price Compare, we have been comparing motor insurance prices for over 10 years and calculating the best quotes from over 110 insurance providers.

To get started, all you need to do is enter your car registration number, confirm the details are correct such as the age of the vehicle, the model, engine size, fuel type and mileage and then let our clever online tool do all the hard work.

Once you have selected a provider, be sure to provide your claim history for the previous 5 years as any no claims bonuses will help reduce your quote even further. You may also be asked to provide some other information such as your employment situation and provide details of any other drivers. It is also important to declare if your vehicle is being used solely for leisure, or also for business use.

Over 60s Car Insurance Compare Quotes & Save

Finally, you will need to decide what type of insurance you wish to purchase and the voluntary excess fee. The higher the excess amount, the more likely it is you will be offered a lower rate on your insurance policy.

In addition to your car registration number, before you sit down to compare prices, it is a good idea to have all your details ready including your driving license details and where your car is usually parked.

As well as benefiting from your experience and age, there are other ways you can save on your car insurance, including reducing the cost by up to 20% if you pay annually instead of in instalments. You can also agree to have a 'Black Box' device installed in your car, which monitors your mileage, driving style and the speed at which you drive and offers safe drivers financial rewards that will further reduce their premiums.

The lower your mileage, the lower your risk of having an accident, so by reducing your mileage, you will also be offered reduced annual premium rates on your insurance.

A final tip: don't allow your insurance company to 'auto renew'. By comparing costs with Free Price Compare each time you need to renew, you can ensure you are getting the best deal at the time.

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Why Car Insurance for Over 60s Can Be Cheaper

Contrary to popular belief, car insurance for drivers over 60 can often be cheaper than for younger motorists. This is because insurers typically view older drivers as:

  1. More experienced and safer behind the wheel
  2. Less likely to take risks or engage in reckless driving
  3. More likely to drive fewer miles annually
  4. Less likely to make claims or be involved in accidents

As a result, many insurance providers offer special discounts and rates for over 60s, rewarding them for their experience and lower risk profile.

Average Car Insurance Savings for Over 60s

To illustrate the potential savings available to over 60s, consider the following data:

Average Car Insurance Savings for Over 60s
Age Group Average Annual Premium Potential Savings
30-39 £700 -
40-49 £600 14%
50-59 £550 21%
60-69 £450 36%
70+ £500 29%

*Data based on a driver with a clean record, insuring a 2017 Ford Fiesta.

As the table shows, drivers aged 60-69 typically enjoy the lowest average premiums, with potential savings of up to 36% compared to younger age groups. However, it's important to note that premiums may start to increase again for drivers over 70, as insurers perceive a slightly higher risk due to age-related factors.

Factors That Affect Over 60s Car Insurance Premiums

While your age can work in your favour when it comes to car insurance, several other factors will also influence your premiums:

  1. Driving history and claims discount
  2. Type of car (make, model, age, and value)
  3. Annual mileage and usage
  4. Parking and overnight storage
  5. Driving habits and behaviour
  6. Level of cover (comprehensive, third-party fire & theft, or third-party only)
  7. Voluntary excess amount
  8. Additional drivers on the policy
  9. Personal circumstances, such as medical conditions
  10. Optional extras, like breakdown cover, legal protection, and personal accident cover

By understanding these factors, you can make informed decisions when customising your policy and comparing quotes.

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Benefits of Comparing Over 60s Car Insurance Quotes

Comparing car insurance quotes is essential for finding the best deal, and this is especially true for over 60s. By using a comparison site like Free Price Compare, you can:

  1. Save time and effort by comparing multiple quotes in one place
  2. Access exclusive discounts and offers for over 60s
  3. Find tailored coverage options that meet your specific needs
  4. Identify insurers that specialise in providing cover for older drivers
  5. Potentially save hundreds of pounds on your annual insurance premiums

Our easy-to-use comparison tool allows you to quickly compare quotes from a wide range of insurers, helping you make an informed decision and find the right policy at the best price.

Choosing the Right Level of Cover for Over 60s

When comparing car insurance quotes, it's crucial to choose a level of cover that suits your needs and budget. The three main types of car insurance are:

  1. Comprehensive cover: Offers the fullest protection, covering damage to your own vehicle as well as third-party vehicles and property. This level of cover often includes optional extras like breakdown cover, windscreen protection, and personal accident cover.
  2. Third-party fire & theft: Covers damage to third-party vehicles and property, as well as fire and theft damage to your own vehicle.
  3. Third-party only: The minimum legal requirement, covering damage to third-party vehicles and property only.
Choosing the Right Level of Cover for Over 60s

As an over 60 driver, you may want to consider comprehensive car insurance cover to ensure you have the highest level of protection. However, if you have an older, lower-value vehicle, third-party fire & theft or third party only cover may be more cost-effective.

Optional Extras for Over 60s Car Insurance

When comparing car insurance quotes, consider adding optional extras to your policy for enhanced protection. Some popular optional extras for over 60s include:

  1. Breakdown cover: Provides assistance if your car breaks down, offering roadside repairs or recovery to a garage.
  2. Motor legal cover: Covers legal costs associated with pursuing uninsured losses or defending against motoring prosecutions.
  3. Personal accident cover: Offers financial support if you or your passengers are injured in a car accident.
  4. No claims discount protection: Allows you to make a claim without losing your hard-earned no claims discount.
  5. Named driver cover: Allows you to add additional drivers to your policy, such as a spouse or family member.

Remember to weigh the costs and benefits of each optional extra when making your decision.

Tips for Reducing Over 60s Car Insurance Premiums

In addition to comparing quotes and choosing the right level of cover, there are several ways you can further reduce your car insurance premiums as an over 60 driver:

  1. Pay annually instead of monthly to avoid interest charges
  2. Increase your voluntary excess to lower your premiums (but ensure it's an affordable amount)
  3. Reduce your annual mileage by consolidating trips or using alternative transportation
  4. Invest in security devices such as alarms, immobilisers, or tracking systems
  5. Consider a telematics (black box) policy to demonstrate your safe driving habits
  6. Take an advanced driving course to refresh your skills and potentially earn a discount
  7. Limit the number of additional drivers on your policy, especially younger or inexperienced drivers

By implementing these tips and regularly comparing quotes, you can ensure you're always getting the best deal on your over 60s car insurance.

Specialist Over 60s Car Insurance Providers

Some insurers specialise in providing car insurance for older drivers, offering tailored policies and benefits. Examples include:

  1. Age Co (formerly Age UK): Offers comprehensive and third-party cover with no upper age limit, as well as optional extras like breakdown cover and motor legal protection.
  2. Saga: Provides comprehensive cover for drivers over 50, with additional benefits such as accident healthcare cover and unlimited cover for audio/visual equipment.
  3. RIAS: Specialises in insurance for over 50s, offering comprehensive and third-party cover with optional extras like key protection and personal accident cover.

When comparing quotes, consider these specialist providers alongside mainstream insurers to find the best deal for your needs.

Electric Car Insurance for Over 60s

Electric Car Insurance for Over 60s

As more drivers switch to electric vehicles (EVs), it's essential to consider the insurance implications. While EVs can be more expensive to insure due to higher repair costs, many insurers now offer specific EV policies with benefits like battery cover and free charging point access.

Over 60s considering an EV should compare quotes from insurers that specialise in electric car insurance to ensure they get the best coverage at a competitive price.

Start Comparing Over 60s Car Insurance Quotes Today

As a driver over 60, you have the potential to save significantly on your car insurance premiums. By using Free Price Compare to compare quotes tailored to your specific needs and circumstances, you can find the best deal and enjoy the peace of mind that comes with comprehensive coverage.

Our user-friendly comparison tool, expert advice, and commitment to helping you find the most affordable car insurance make Free Price Compare the perfect partner in your journey to securing the ideal over 60s car insurance policy. Start comparing quotes today and discover how much you could save.

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Over 60s Car Insurance: Frequently Asked Questions

Yes, many insurers offer discounts and special rates for drivers over 60, recognising their experience and lower risk profile. Be sure to ask about these discounts when comparing quotes.

Yes, you can add younger drivers to your policy, but be aware that this may increase your premiums. Insurers often view younger drivers as higher risk, so adding them to your policy can offset the discounts you receive as an over 60 driver.

In some cases, yes. If you have a medical condition that could impact your driving ability, you must inform your insurer. They may require additional information or adjust your premiums accordingly. However, many common age-related conditions, such as arthritis or hearing loss, may not significantly affect your premiums.

Most mainstream insurers don't impose an upper age limit for car insurance. However, premiums may start to increase again for drivers in their 70s or 80s, as insurers perceive a slightly higher risk due to age-related factors. Specialist over 60s insurers often have no upper age limit at all.

The best way to find the cheapest quotes is to use a comparison site like Free Price Compare. This allows you to quickly compare tailored quotes from multiple insurers, ensuring you find the best deal for your specific needs and circumstances.

If you're having difficulty finding affordable car insurance as an over 60 driver, consider: - Adjusting your level of cover or voluntary excess - Reducing your annual mileage - Improving your vehicle's security - Seeking out insurers that specialise in covering older drivers - Speaking with a specialist insurance broker who can help you find the right policy.

If you need to make a claim, contact your insurer as soon as possible. They will guide you through the claims process, which typically involves providing details of the incident, any relevant documentation (e.g., police reports or witness statements), and your policy information. Your insurer will then assess the claim and advise you on the next steps.

When it's time to renew your policy, consider the following: - Has your driving situation changed (e.g., annual mileage, type of car, additional drivers)? - Are you satisfied with your current insurer's service and claims handling? - Could you save money by switching to a new insurer or adjusting your cover?

It's always a good idea to compare quotes from multiple insurers at renewal time to ensure you're getting the best deal for your needs.

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Page last updated on: 09/05/2024

Page reviewed by: Shay Ramani

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