Driving after the age of 70 can open many doors for retirees and help pensioners to enjoy their independence for longer. Everyday tasks such as shopping or simply popping over to visit family members are usually much easier with a vehicle to get you from A to B.
Although the DVLA require drivers to renew their licence every three years after turning 70, this does not necessarily suggest that you are unsafe to drive. It does ensure that any issues with health and eyesight are regularly monitored however, so that an older driver does not become unsafe on the road.
Choosing the best car insurance for over 70s will become important as you reach this milestone, to ensure your individual needs are met. Age UK Car Insurance is specifically designed for mature drivers, with policies that can be enhanced with optional extras to give you the cover you need. Our comprehensive cover offers:
- No upper age limits
- No admin or cancellation fees to pay
- Pay monthly at no extra cost (0% APR Representative)
- No Claims Discount protected as standard (4 years proven no claims and no more than one fault claim in the past 3 years)
- Access to a 24-hour accident helpline
- A courtesy car whilst your car is being repaired
Can I get insured after 70?
It has long been acknowledged that older drivers tend to be more cautious on the road than younger age groups, and this is reflected in the number of mature drivers involved in road accidents. As such, Age UK Car Insurance welcomes experienced drivers of all ages, and we have set no upper age limit on our insurance policies. As long as you are deemed safe to drive by the DVLA and medical practitioners then we are happy to insure you.
Will I get a cheaper car insurance policy for being over 70?
Some car insurance providers drastically increase the cost of their car insurance policies for over 70s out of uncertainty about health and safety. As age-specific insurers who tailor our policies and deals for older drivers, Age UK Car Insurance offers some of the best deals for retired drivers on the market to ensure turning 70 doesn’t mean forking out a fortune on insurance.
But while years of experience and a lengthy no claims period will certainly help get you a lower cost policy, you will still be subject to the same considerations you always have; including the type of car you drive and your postcode.
Will my car insurance be affected by my health?
One of the key reasons that you must start renewing your driving licence every 3 years from the age of 70, is to ensure that your medical information is up-to-date and being assessed correctly. You must report any medical conditions that could affect your driving to the DVLA, no matter your age.
As well as this, you must also inform your car insurance provider of any changes to your medical health, or risk your policy becoming invalid. The price of your insurance and the options available to you might be impacted by certain conditions, but you could risk serious fines and/or prosecution if you fail to inform the right people.
You should also make the most of free NHS eye tests for over 60 year olds, to ensure that your eyesight meets the legal requirements for driving. Forgetting to wear your glasses or failing to change to a new prescription when needed could invalidate your insurance policy.
Why choose Age UK Car Insurance for over 70s?
Age UK Car Insurance is one of the few providers with policies that cater specifically for older drivers, ensuring that we’re on your side to get you the best deal from day one. We plan our policies with our customers in mind, so that benefits such as a 24 hour accident helpline, no admin fees and the option to pay monthly at no extra cost come as standard. And with the highest possible Star Rating from Defaqto based on customer ratings of quality and comprehensiveness, we take pride that our approach is resulting in many happy customers.
Find out more about Age UK Car Insurance
Age UK Car Insurance is administered by Ageas Retail Limited and provided by Ageas Insurance Limited.^
Age UK Motor Breakdown Insurance is provided by Intana Assistance.** Brought to you by Age UK Enterprises Limited.
Age UK Enterprises are always committed to providing good customer service. If you buy a product from Age UK Enterprises, you may be contacted by our partners Feefo on our behalf to find out about your buying experience.
* 10% of all new customers who took out a Comprehensive policy starting between July 2017 and December 2017 paid £199.70 or less (includes insurance premium tax at the applicable rate). The premium you pay will depend on individual circumstances, the cover chosen and optional extras selected.
† If you call the 0800 number, you may be dealing with either an Age UK/Age Concern office or Ageas Retail Limited.
** Within 12 months Age UK Motor Breakdown Insurance will be provided by Call Assist Ltd.
^ Within 12 months this will be provided by a limited panel of insurers, details are available on request.
Age UK Enterprises Limited is a commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK.
Age UK Insurance is arranged by Age UK Enterprises Limited and arranged and administered by Ageas Retail Limited, who are both authorised and regulated by the Financial Conduct Authority. Ageas Retail Limited is a sister company of Ageas Insurance Limited.
Ageas Retail Limited Register office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Registered in England and Wales 1324965. FS Register number: 312468.
Age UK Enterprises Limited Registered office: Tavis House, 1-6 Tavistock Square, London, WC1H 9NA. Registered in England and Wales 3156159. FS Register number: 311438.