How to save on over 50s car insurance
Although over-50s car insurance is usually relatively cheap anyway, there are a few quick things you can do that might land you an ever better deal.
- Compare quotes
- Avoid auto-renewal
- Pay annually
- Renew 3 weeks before your policy ends
- Increase your excess
- Pick the right extras
Compare quotes and you could save up to £200**
Avoid auto-renewal and shop around every year to get the best deal instead. We'll guarantee to beat your renewal price too. And if we don’t, we’ll give you the difference plus £2002.
Renew 3 weeks before your policy ends, as our research shows that this is the best time to renew car insurance, and could help you find your best quote.
Pay annually as insurers will often offer you a cheaper policy if you opt to pay all at once.
Increase your excess, as the more you're willing the pay, the cheaper your policy is likely to be. Just ensure your excess isn't set so high you can't afford to claim if you need to.
Pick the right perks, as you could end up paying for add-ons you don't need. Are you really going to use that European car insurance cover?
**Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July '22) 51% of car insurance customers 50 and over could save £200.29 2Single annual policy only. T&Cs apply. Must be a like-for-like policy.
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Types of car insurance
Black box car insurance
lets you prove you’re a safe driver, and save money on your policy, even if you’re inexperienced or seen as high risk.
Classic car insurance
offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Business car insurance
covers you if you use your car for work, including travelling between offices or across the country.
What our expert says:
One of the benefits of turning 50 or over is getting cheaper car insurance deals. Don’t make the mistake of renewing your policy. Shop around and compare quotes – it could be one of the easiest ways to save yourself a lot of money!
Alex Kindred
Car insurance Product Manager
"Easy to use and gives lots of options to choose from."
Carol - Confused.com customer (August 2022)
"Easy to use. Best prices. Nice rewards."
Jeffrey - Confused.com customer (August 2022)
"Easy-to-manoeuvre site with excellent quotes from reputable companies."
Kevin - Confused.com customer (August 2022)
"Great service and rewards system."
Krzysztof - Confused.com customer (August 2022)
"Saved me over £100 on my renewal quote."
Martin - Confused.com customer (August 2022)
Need more help?
Do I need a health check to get over 50s car insurance?
No, you don’t need a health check to buy insurance when you’re over 50. But if you have any medical conditions that affect your ability to drive, it's important you declare them to your insurance company and the DVLA.
If you are involved in an accident as a result of a health condition, and you haven't declared it, your insurance may not pay out.
Is there an upper age limit on car insurance?
No, there's no upper age limit. But you may find that your premiums start creeping up again once you turn 70. This is because the risk of accident within this age bracket is higher.
At this point, you may find that you are able to get a better deal from a specialist car insurance provider.
I'm over 50. Why hasn't my car insurance gone down?
Generally, the more driving experience you have, the cheaper your car insurance could be. But other factors might affect your price. If you’ve bought a new car, moved to a new area, or increased your annual mileage you may see your premium change.
How is my car insurance calculated?
There are many factors insurance companies will take into account when calculating your car insurance costs.
Age is an important factor - the older you are, the more experience you are likely to have and the less likely you are to be involved in an accident.
However, other factors are also important including, the car you are driving, whether you drive to work or just use it socially, where you live and your occupation. Previous car insurance claims and any points on your licence will also be taken into consideration.
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