Over 70s car insurance

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"Speedy and accurate. I was able to swiftly find an appropriate insurance that was half the price of what I had been offered by my previous company."
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Driving in your 70s

Being an older driver in your 70s means you can continue to enjoy the independence that comes with having your car, like being able to visit friends and family nearby or a little bit further away. It also allows you to take care of basic tasks like shopping or attending appointments.

Regardless of your age, finding a good deal on your car insurance should still be a priority, and that’s where we can help.

Is car insurance for over 70s more expensive?

The price you pay for your insurance will depend on a variety of factors, but age does play a part. Your years of driving experience and any no-claims bonus you have should help keep costs down, but insurers could view you as a higher risk because of your age. Our data shows the average price for those aged 70-79 is £3011. The table below shows the average price for car insurance for each age group. 

Age Average cost1
50-59 £503
60-69 £352
70-79 £301
80-89 £414

1The avergae cost of fully comprehensive car insurance from Jan 2021 - April 2021.


Will my health affect my car insurance at 70?

Once you reach 70, you’ll need to renew your driving licence. You’ll then need to renew it again every 3 years. It’s free to do and the DVLA will send you an application roughly 90 days before you turn 70. There’s no need to take a driving test again, but your licence must be kept updated with any health or medical conditions that might affect your ability to drive safely.

Unfortunately, as we get older we're more prone to develop health conditions that might affect our ability to drive. That’s why it’s important to declare any health or medical conditions to the DVLA and your insurer.

See our guide for more information on how to renew your licence at 70.



What medical conditions should I declare on my licence?

If you have a medical condition that could affect your driving, then you’ll need to declare it to the DVLA and your insurer. These conditions include, but aren’t limited to:

  • Epilepsy
  • Diabetes
  • Parkinson’s disease
  • Heart conditions
  • Visual impairments
  • Strokes
  • Sleep apnoea

For more information visit GOV.UK.


How to get the best price for over 70s car insurance

Getting a good price for your car insurance is still achievable when you’re over 70. You might find prices start to sneak up compared with prices you paid in your 60s.

Our car insurance expert, Alex Kindred, says: “Don’t be disheartened if your quote has increased on last year’s, because there are a few things you can do to help reduce the cost of your quote. Check your details are up-to-date, as things like mileage and your occupation can impact the cost of your insurance.”

Mileage – accurately estimate the number of annual miles you’ll drive. Insurers use mileage as a rating factor when calculating the cost of your insurance. You might find you’re doing fewer miles now that you’re in your 70s, compared with earlier years. Reducing the total mileage – even slightly – might help save you a little bit of money.

Increase your voluntary excess – it can help to lower the cost of your insurance quote. Just make sure you can afford to pay the selected amount if you have to make a claim.

Avoid auto renewal – most insurance policies are set to auto-renew. You should receive a renewal quote from your current insurer when your insurance is due to expire. It’s tempting to accept the first offer but remember there are savings to be made by comparing quotes. If you’ve been with the same insurer for a couple of years, it’s not unusual to see your prices go up. Many insurers offer discounts to new customers which can start to disappear after a year or two.

The good news is, all insurers are now legally required to show you on your renewal what you paid last year. This makes it even easier to see whether you’re being charged more for the same level of cover. We encourage switching, which is why we guarantee to beat your renewal quote, and if we don’t, we’ll pay the difference, plus give you £20!

Pay up front – most insurers charge interest if you choose to pay monthly. If you can afford to pay for the whole policy in one go, then you could save 15%2 on your quote vs monthly payments.

2. Confused.com data, December 2020 - January 2021.



What you need to compare car insurance quotes

We compare quotes from up to 120 trusted insurers to help find you a good price. We work with well-known insurers you’ll recognise, such as AXA, Hastings and even some that specialise in insurance for older drivers.

To compare quotes, you’ll need to answer a few questions and provide the following details:

Personal details:

  • Your occupation, address and date of birth
  • Previous claims or accidents that happened in the last 5 years
  • Any points on your licence – include any convictions
  • Your driving licence type and number – plus any medical conditions
  • Details of your no-claims bonus (NCB) in years. You should be able to find this on your recent renewal documents.

Car details:

  • Registration number or make and model of your car
  • Any modifications you’ve made to your car
  • Estimated annual mileage
If you’ve used us before to get a quote, you can log in to make things quicker. Check your details are up to date, as things may have changed since you last used us.

A selection of our 120 trusted car insurance companies

FAQs

Do older drivers need a specialist insurance provider?

No, as an older driver you can still compare a range of insurance companies. There are specialist insurance companies who offer policies tailored to over 70s, but you may find a better deal by comparing all our insurers. We gaurantee to beat your renewal price, and if we don’t, we’ll pay you the difference plus £20!

Do I need to take my driving test again when I’m over 70?

Once you reach 70, you won’t need to retake your driving test again. But you’ll need to renew your driving licence, and then renew again every 3 years after that. It’s free to renew your licence after you turn 70.

How do I renew my driving licence when I’m over 70?

Renewing your licence at 70 is straightforward. About 90 days before you turn 70, the DVLA will send you an application form. Just fill it out and return it to the DVLA. For more information, see our guide on how to renew your licence at 70.

Should I consider telematics insurance as an older driver?

Telematics, or black box insurance, is generally aimed at young, inexperienced drivers who are trying to keep costs down. But it may be an option for you if your insurance prices have spiked.

Black box policies track and send data back to your insurer who’ll then use this data to calculate your price. The safer you drive, the less you’ll pay for your insurance.