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Benefit from a specialist over 50s car insurance policy
The good thing about being a more experienced driver is that it means you could get cheaper insurance prices. Whether you're just turning 50 or getting closer to 60, car insurance companies could reward you if you have a good driving history.
Many policies like these, aimed at the over 50s include benefits that more mainstream insurers charge as optional extras, which could save you some money.
How much is car insurance for over 50s
The average cost for car insurance for those over 50 is £388. That's a saving of £150 compared to the national average of £538. That’s based on our most recent quarterly car insurance price index which looks at car insurance prices up and down the country.
There are many things that can influence the cost of your car insurance, not just your age. Typically, the more experience you have, the cheaper your insurance is.
Other factors that contribute to the cost of your insurance are:
Your occupation is used by insurers to help calculate the price of your car insurance. If you’ve recently retired, don’t forget to update this when getting a quote as it may affect your price.
Where you live will affect the price you pay. Some postcode areas are considered higher risk than others. If you live in a built-up area, the risk of accidents is generally higher than rural areas.
The car you drive plays a big part in determining your price for insurance. Cars are grouped from 1-50 for insurance purposes. Generally, the higher the car insurance group, the more expensive your insurance will be. Find out more about car insurance groups.
How to get the best price for your car insurance
Firstly, you need to decide the level of cover you need. Add-ons and extras can hike up the cost of your insurance. Once you know what you want you can compare different levels of car insurance and choose the option that best suits your needs.
Although comprehensive car insurance offers the highest level of cover, it often works out the cheapest option too.
Avoid auto-renewal, even if you’re a loyal customer. It’s not unusual to see the price of your insurance go up each year, even if you’ve not made a claim. To make sure you’re getting our best deal, compare quotes before your policy is due to renew. Doing this could save you up to £138*.
Based on our research, about 3 weeks before your insurance is due is when you’ll usually see the best prices. If that’s not enough of a reason to compare, we also guarantee to beat your renewal price†. And if we don’t, we’ll give you the difference plus £20.
Pay annually if you can afford to as most insurance companies charge interest on monthly payments. If you have the cash to pay up front, you could save up to 15% on your quote (based on Confused.com data - December 2020 - January 2021).
Increase your voluntary excess. If you’re willing to pay more excess, then it could result in lower prices. Just remember to set an amount affordable cost as you’ll need to pay the full excess if you make a claim.
†Single annual policy only. T&Cs apply. Must be a like-for-like policy
What you need to compare car insurance quotes for over 50s
If you’ve used our website before to get a quote, you can log in to make things quicker. Just make sure to check your details are all up-to-date.
Being completely transparent with your insurer and the DVLA is important. For example, by law, you must declare to the DVLA certain medical conditions or disabilities that may affect your driving.
If it’s your first time getting a quote with us, you’ll just need a few details. These should be included in your latest renewal documents from your current insurer.
- Your occupation, address and date of birth
- Any points on your licence – include any convictions
- Previous claims or accidents which happened in the last 5 years
- Your driving licence type and number. Plus, details of any medical conditions that will affect your ability to drive or restrict your licence
- Details of your no-claims bonus (NCB) in years
- Registration number or make and model of your car
- Any modifications you’ve made to your car
- Estimated annual mileage
Once you’ve answered all the questions, we’ll send your details to the 120 insurers we work with and show you quotes from the ones that can offer you insurance. If you want to make any changes at this point, you’ll have an option to edit your quote.
Policy extras and add ons
Adding extras to your policy can provide additional peace-of-mind and protection for you and your car, but they’ll likely increase your price. Think carefully about whether you need them or not. Some insurers will offer discounted add-ons because you’re over 50.
Extras you can get include:
- Breakdown cover, with a range of levels to choose from including local recovery, national recovery and European cover.
- Motor legal protection, also known as legal cover, could help you recover certain uninsured losses that aren’t covered as standard by your car insurance policy, if you’re involved in a road accident that wasn’t your fault.
- Courtesy car provides you with a replacement car if yours is in the garage following an accident.
- Personal accident cover pays compensation if you’re injured in a road accident, even if you’re at fault. It will also pay a lump sum to your family if you die in a car accident.
- No-claims bonus protection allows you to have a certain amount of “at fault” accidents without affecting your NCB.
Need more help?
You don’t need a health check to buy insurance when you’re over 50. But you’re required to declare any medical conditions that may affect your driving to the DVLA and your insurer.
Once you reach 50 you should see a reduction in your car insurance prices. This is because insurers see you as an experienced driver who is less likely to have an accident or make a claim.
Our data shows that the average car insurance cost for over 50s is £149** cheaper than those in their 40s.
**Based on fully comprehensive car insurance quotes from Jan 2021 - April 2021.
Generally, the more driving experience you have, the cheaper your car insurance will be. But other factors will affect your price. If you’ve moved to a new house or increased your annual mileage this can contribute to changes in your price.