Maintaining the option to drive after your 80th birthday can make an enormous difference to your independence and quality of life. Everyone needs to get out and about to carry out everyday tasks, and having a car to get you to the shops or to a friend’s house can make those tasks much more simple as we get older.
While the DVLA will ask drivers over 70 to start renewing their licence every 3 years to keep a close eye on any health and safety concerns, there’s no reason why competent drivers can’t continue to use the roads for years after their 80th birthday. In fact, the number of people aged 80 or above on the roads is rising, with over 1.3 million drivers reported to be in this age category in July 2017.
Despite this, some insurance companies have made the decision not to offer policies to drivers after a certain age, or to increase their premiums by extortionate amounts. And so it’s more important than ever to shop around and find an insurer that understands the needs of older drivers. Age UK Car Insurance has been created for mature drivers to help get appropriate deals and services for our customers. 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 80?
There are no upper age limits at Age UK Car Insurance, and so we will never decline to cover you based on your age alone. However, your circumstances will influence whether we can offer you cover in later life. Elderly customers with a poor claims or convictions history, or who wish to insure a high rated vehicle, may be unable to purchase car insurance. You will also need to be deemed medically fit and safe to drive by the DVLA before we can provide you with insurance services to suit your needs.
Will I get a cheaper car insurance policy for being over 80?
While mature drivers are certainly favoured by insurance policies, many drivers notice that their insurance increases when they reach 70. Shopping around for an insurance provider that takes the needs of elderly drivers into consideration is more important than ever at 80, and many comparison websites advise choosing an insurance provider with no upper age limits, that specifically caters for older drivers, to avoid extortionate prices.
Will my car insurance be affected by my health?
No matter your age, you must report any of the medical conditions outlined by the DVLA both to the DVLA and to your car insurance provider. Some conditions might push the cost of your insurance up, but failing to notify your insurer could result in your policy becoming invalid, a £1000 fine and even prosecution if you’re involved in an accident.
As well as your health, you must monitor your eyesight to ensure that it meets the legal requirements for driving. Free eye tests are available on the NHS for those aged 60 or older so there’s no excuse for getting caught out with the wrong prescription glasses. Not only could this invalidate your car insurance, but it’s extremely dangerous for you and other road-users.
Why choose Age UK Car Insurance for over 80s?
As one of the few providers that cater policies specifically for older drivers, Age UK Car Insurance do not punish older drivers with extortionate prices or limited policies, but instead strive to create the best deals and services to suit them. We appreciate that the ability to pay monthly at no extra cost and access to a 24 hour accident helpline can make a big difference as you get older, and so these are just some of the benefits that come as standard. A courtesy car is also offered to those with comprehensive cover, and our ‘Message Relay Service’ provides the option for a friend or family member to be contacted if you’re involved in an accident.
Age UK Car Insurance has been awarded the highest possible Star Rating from Defaqto based on customer ratings of quality and comprehensiveness, and has been recognised as a Feefo Gold Trusted Merchant for providing exceptional services to our customers. Initially created to address the challenges that older drivers were reporting to us, our services always put the customer first.
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.