Over 50s Car Insurance

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Over 50s car insurance

Unlike life insurance, car insurance prices tend to decrease as people get older. This is because over 50s statistically cause fewer accidents and hold more impressive no-claims discounts than younger, less experienced road users.

Ways to buy motor insurance for mature drivers

It may benefit older drivers to buy a policy from one of the many specialist over 50s car insurance providers. Not only can these policies prove more cost-effective, they may also offer benefits that are specifically targeted towards people within this age bracket.

For example, comprehensive car insurance policies from Age UK and RIAS offer benefits such as:

  • Car insurance with no upper age limit (Age UK)
  • A 24-hour accident helpline (Age UK, RIAS) and message service so your next of kin can be notified if you have an accident (Age UK)
  • A guaranteed courtesy car (Age UK, RIAS)
  • An accident recovery service to help you get home if your car is a write-off (Age UK)
  • Unlimited windscreen cover (Age UK)
  • A fast repair service (RIAS)
  • The option to pay in instalments at no extra cost (Age UK)
  • Discounts for low annual mileage, overnight garage parking and cars that are more than four years old (RIAS)
  • Protected no-claims discounts (Age UK, RIAS)
  • European cover (up to 180 days per year with Age UK, up to 91 days with RIAS)
  • Up to £500 cover on lost or stolen keys (RIAS)

Other specialist over 50s insurers include: Saga, Endsleigh and Castle Cover. Saga offers a 10% introductory discount for customers in their first year, while Castle Cover claims it can save customers up to £151 on their motor insurance policy. Endsleigh offers no-claims discounts of up to 75%.

Using a broker to find over 50s car insurance

For those that don’t have the time to trawl through quotes from many different insurers, it might be best to enlist the services of a broker, who will help you to compare a wide range of deals according to your individual criteria. This can help with finding the lowest prices and is usually free.

There are plenty of options out there, whether you are looking for comprehensive cover, third-party insurance or even a temporary policy.

Other ways to save on your over 50s car insurance policy

There are several other measures you can take to keep your cover costs as low as possible:

  • Consider downsizing. The smaller the car, the cheaper it will be to run and insure, and the easier it will be to find a parking space!
  • Make sure your car is parked off the street at night, preferably in a secure car park or locked in a garage
  • Buy online. This can save up to 20% on your motor insurance policy. Getting a range of quotes before you buy can also cut costs considerably
  • Reduce your annual mileage. If you only tend to drive short distances, you may be able to save money by limiting your mileage in agreement with your insurer