As you get older, you typically get more experience on the road which can make you a more reliable driver. This experience can be reflected in lower insurance premiums from almost every insurance provider, some of which can be considerably lower than the average car insurance premium, but it still pays to shop around for the best quotes possible.

Is over 50s car insurance cheaper than standard car insurance?

As the typical over 50s driver has built up more than a decade of experience behind the wheel, many insurance providers see over 50s drivers as relatively low risk on the roads. This means that the premiums which are offered to drivers over 50 can be slightly or significantly lower than average, depending on your driving history. However, certain aspects will still affect your premiums and cause them to be higher than average, such as the make and model of car you drive. It's also worth considering how often you'll be driving, as you can pick up temporary insurance policies if you only plan on getting behind the wheel a few times a year.

What are the benefits of specialist over 50s car insurance providers?

There are a number of insurance providers who specialise in car cover for over 50s. These features can include courtesy cars or services which can help you get home in the event of a breakdown, emergency driver cover if you need to have a medical treatment and require someone else to drive you home, unlimited cover for driving in Europe, and unlimited cover on items like a satnav or stereo in your car.

One of the biggest plus points for specialist over 50s car cover can be that they don’t have an upper age limit for their cover, meaning that you can get insurance even well into your 90s and beyond.

Can car insurance for over 50s cost more?

As mentioned earlier, although there are usually lower insurance premiums for over 50s due to many years of experience older drivers can have, along with a substantial no claims bonus, there are factors which can make your insurance quotes more expensive.

If you have points on your licence or a history of getting into accidents then this can affect the cost of your insurance, but this would be the same for any insurance policy – over 50s or otherwise. Driving a high-performance car or expensive make and model can also cause insurance premiums to be higher than average, as it would with all insurance policies.

However, one thing that shouldn’t impact your car insurance quotes is your health. Although some insurance policies, such as those for travel, might be impacted by this, so long as the DVLA has deemed you fit to drive then your health won’t impact a car insurance policy. If you do get diagnosed with a medical condition which could impair your driving then it’s important to contact the DVLA so they can determine whether you’re fit to drive.

What happens to my car insurance when I’m over 70?

If you’re celebrating your 70^th birthday in the next 3 months, or have recently turned 70, then legally you have to renew your driving licence to ensure that you’re fit to drive. This is free to do, and you will need to renew every 3 years.

This doesn’t mean you have to retake a test or anything, but your licence does need to be kept up to date with any medical conditions you’ve been diagnosed with which could impede your ability to drive safely, such as:

• Diabetes
• Epilepsy
• Eye conditions
• Heart Conditions
• Parkinson’s disease