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Over 80s Car Insurance: Compare Quotes & Save

The chances are, that by the time you reach your 80th birthday, those who drive will have plenty of miles- and driving experience- under their belt. Yet although older drivers have acquired a great set of skills and confidence on the road, past the age of 80 the unfortunate fact is that your driving insurance premiums will probably start to rise.

Although the youngest of drivers (those aged between 17 and 24) are considered the highest risk by insurance companies due to inexperience, and those drivers above this age group typically enjoy far lower premiums, once you reach your eighth decade this trend begins to reverse.

That's because many common health conditions (such as poorer eyesight) as well as an inevitable slowing of vital reaction times, leads to an increase in road accidents involving people in this older age bracket. Indeed, studies show that the likelihood of being involved in a collision increases significantly once drivers reach 80 years of age, and then rises sharply again for drivers older than 86.

Yet if you are fit and well, then driving is likely to hold the key to staying independent in your 80s, and as a member of this age group, you are also likely to spend less time driving than younger motorists, as well as behave less recklessly on the road. If you combine these positives with the wealth of driving experience behind you, finding the best value car insurance makes sense.

Comparing quotes online makes it easy to find the cheapest insurance quote that fits your needs (including any extras you may want, such as breakdown cover or cover for lost keys), allowing you to make your choice at a glance. And, whilst some insurers do not advertise their quotes on comparison sites, you can use the average range of quotes to give you a clear idea as to what is a fair market price for your over 80s car insurance. After all, if you have plenty of sound driving experience and will have only a low annual mileage, there's no reason to pay more than you need for that essential car insurance.

Getting affordable car insurance as a driver over 80 can feel like a challenge, but the good news is that you have options. Free Price Compare is here to help you find the best deals on car insurance tailored to your needs. We work with top UK insurers to bring you quotes that offer the right cover at a price that fits your budget.

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Why Car Insurance for Over 80s is Different

As an older driver, insurers will consider factors specific to your age group when calculating your premiums:

  1. Driving experience and history
  2. Changes in eyesight and reaction times
  3. Potential health concerns
  4. Likelihood of driving fewer miles annually

While some insurers may view over 80s as higher risk, others specialise in providing cover for more mature drivers. These insurers recognise the value of experience and safe driving habits often associated with older motorists.

Did you know?

  • According to the Association of British Insurers, drivers aged 80 and over are involved in just 1% of all road traffic accidents in the UK.
  • A survey by Age UK found that 68% of drivers over 80 have never had an accident.

Factors Affecting Over 80s Car Insurance Premiums

Beyond age, several other factors will impact the cost of your car insurance:

  1. Make, model, and value of your vehicle
  2. Annual mileage and usage
  3. Parking and overnight storage
  4. Driving history and claims bonus
  5. Level of cover (comprehensive, third-party fire & theft, or third-party only)
  6. Voluntary excess amount
  7. Additional drivers on the policy
  8. Your postcode and residential area
Over 80s Car Insurance: Compare Quotes & Save

Benefits of Comparing Over 80s Car Insurance Quotes

Comparing quotes from multiple insurers is the best way to find the right cover at the best price. Free Price Compare makes it easy:

  1. Save time and effort by comparing quotes in one place
  2. Access deals and discounts for over 80s
  3. Find cover options tailored to your needs
  4. Identify specialist over 80s car insurance providers
  5. Potentially save hundreds on your annual premiums

Our comparison tool is quick, easy, and totally free to use. Just enter your details, and we'll show you quotes from a wide range of insurers. You can then compare prices, cover levels, and extras to find the perfect policy for you.

Did you know?

  • On average, drivers over 80 who compare car insurance quotes save £200 per year on their premiums.
  • Over 60% of drivers over 80 could save money by switching to a specialist over 80s car insurance provider.
Benefits of Comparing Over 80s Car Insurance Quotes

Choosing the Right Level of Cover

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

Comprehensive cover: The most extensive protection for your own vehicle as well as third parties. Often includes extras like courtesy car and legal cover.

  1. Third-party fire & theft: Covers damage to third parties, as well as fire and theft damage to your own vehicle.
  2. Third-party only: The legal minimum, covering damage to third parties only.

As an over 80 driver, comprehensive cover may offer the peace of mind you're looking for. However, third-party options can be more cost-effective for lower-value vehicles.

Optional Extras for Over 80s Car Insurance

When comparing quotes, consider which optional extras might be worth adding to your policy:

  1. Breakdown cover: Assistance if your car breaks down, including roadside repairs or recovery to a garage.
  2. Motor legal protection: Covers legal costs related to car insurance claims, including pursuing uninsured losses.
  3. Courtesy car: Provides a replacement car while yours is being repaired after an insured incident.
  4. Personal accident cover: Offers financial support if you or your passengers are injured in an accident.
  5. No claims discount protection: Allows you to make a claim without losing your hard-earned claims bonus.

Weigh the costs and benefits of each extra to decide which ones are right for you.

Did you know?

  • According to industry data, around 25% of drivers over 80 opt for breakdown cover as an add-on to their car insurance policy.
  • The Financial Conduct Authority reports that around 30% of all car insurance claims involve uninsured losses, making motor legal protection a valuable extra for many drivers.

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Tips for Reducing Over 80s Car Insurance Costs

While getting cheap car insurance for over 80s can be tricky, there are ways to keep costs down:

  1. Pay annually instead of monthly
  2. Increase your voluntary excess
  3. Reduce your annual mileage
  4. Invest in security features like alarms and immobilisers
  5. Consider a limited mileage policy
  6. Park your car in a secure location overnight
  7. Maintain a clean driving licence and build up your claims bonus
  8. Limit the number of additional drivers, especially younger ones

Remember, the key is to find the right balance of cost and cover for your needs.

Specialist Over 80s Car Insurance Providers

Specialist Over 80s Car Insurance Providers

Some insurers specialise in providing cover for older drivers, offering benefits tailored to your needs. Look out for:

  1. Age UK: Offers car insurance with no upper age limit, plus optional extras like breakdown cover.
  2. RIAS: Specialises in over 50s car insurance, with perks like unlimited cover for audio equipment.
  3. Saga: Provides comprehensive cover for over 80s, with extras like cover for driving abroad.

Consider these specialist providers alongside quotes from mainstream insurers to find the best deal.

Medical Conditions and Driving Licences for Over 80s

As a driver over 80, it's essential to keep the Driver and Vehicle Licensing Agency informed of any medical conditions that may affect your driving. You'll need to renew your driving licence every three years, which can be done for free online. The DVLA may ask for additional information or an eye test when you renew. Keeping your licence up to date and being honest about your health is vital for ensuring your car insurance remains valid.

Did you know?

  • The DVLA requires drivers over 80 to renew their licence every 3 years, compared to every 10 years for younger drivers.
  • According to the DVLA, the most common medical conditions reported by drivers over 80 are vision problems, arthritis, and hearing loss.
Get Your Over 80s Car Insurance Quotes Today

Get Your Over 80s Car Insurance Quotes Today

Ready to find great cover at a great price? Compare quotes with Free Price Compare today. Our simple, speedy tool makes it easy to find cheap car insurance for over 80s. Just enter your details to compare quotes from top UK insurance providers. You could save hundreds on your car insurance, giving you peace of mind and more cash in your pocket. Don't wait - start comparing over 80s car insurance quotes now and see how much you could save.

Understanding Levels of Cover and Optional Extras for Over 80s Drivers

When choosing car insurance in your later life, it's crucial to understand the different levels of cover available and the range of optional extras that can enhance your policy.

Comprehensive Car Insurance vs Third Party Fire and Theft

Comprehensive car insurance offers the highest level of protection, covering damage to your own vehicle as well as third party claims. Third party fire and theft, on the other hand, only covers damage to another person's property and your car in case of fire or theft.

In 2023, 82% of drivers over 80 opted for comprehensive cover, according to the Association of British Insurers.

Key Optional Extras to Consider

  1. Legal expenses cover: This can be invaluable if you need to pursue a claim against an uninsured driver.
  2. Windscreen cover: Often included in comprehensive policies, this can save you from costly repairs.
  3. Key cover: Particularly useful as replacements for modern car keys can be expensive.
  4. Hire car cover: Ensures you stay mobile if your car is being repaired after an accident.

Tip: Always read the policy documents carefully to understand what's included in your base cover and what's available as an optional extra.

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Enhancing Driver Confidence and Safety for Over 80s

As we age, maintaining driver confidence and staying safe on the roads becomes increasingly important.

Driver Confidence Courses for Over 80s

Many organisations offer driver confidence courses specifically designed for older drivers. These courses can:

  • Refresh your knowledge of the Highway Code
  • Improve awareness of age-related changes that might affect driving
  • Boost confidence behind the wheel

According to a study by RoSPA, 93% of over 80s who took a driver confidence course reported feeling more confident on the road afterwards.

Choosing the Best Car Insurance for Safety Features

When comparing car insurance quotes, look for policies that reward safety features:

  • Some insurers offer discounts for cars in lower insurance groups, which often have better safety ratings.
  • Advanced driver assistance systems (ADAS) can sometimes lead to lower premiums.
  • Using an approved repairer after an accident can ensure your car's safety features are properly recalibrated.

Tip: Consider upgrading to a car with modern safety features. While it might increase your car's value, the improved safety could offset this in your insurance premium.

Enhancing Driver Confidence and Safety for Over 80s

Frequently Asked Questions

Yes, some insurers offer discounts for older drivers with a clean driving record and low annual mileage. Always ask about available discounts when getting quotes.

Yes, you can add named drivers to your policy. Just be aware that adding younger or inexperienced drivers will likely increase your premiums.

The best way to find cheap car insurance is to compare quotes from multiple insurers. Free Price Compare makes this quick and easy, helping you find the best deal for your needs.

Yes, you must tell your insurer about any medical conditions that may affect your driving. Failure to do so could invalidate your policy.

If you're struggling to find affordable over 80s car insurance, try: - Reducing your level of cover - Increasing your voluntary excess - Limiting your annual mileage - Improving your car's security - Considering a specialist over 80s insurer

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Page last updated on: 09/05/2024

Page reviewed by: Shay Ramani

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