Car Insurance

Older drivers' car insurance

If you're an older driver and are looking for the best deal on car insurance, it’s important to compare policies from different insurance companies to find suitable cover at the lowest price.

A company that specialises in insurance for older drivers could offer you a better price than a traditional insurer - but be sure to shop around.

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About older drivers’ insurance

There are plenty of specialist car insurance companies available, and there’s now quite a range of insurers for older drivers. They typically offer policies for people over the age of 50, and offer special premiums as well as particular features that cater for the needs of older people.

According to Saga car insurance, drivers aged under 50 are 31% more likely to make an insurance claim than older drivers. This means that older drivers are seen as less of a risk to the insurer, and older driver insurance can be offered at reduced rates.

Extra benefits and features you might be offered with a comprehensive older driver insurance policy include:

Protected no claim bonus: If you’ve built up an impressive discount over the years, you can add a small extra payment to your policy to protect it. This means that your low premiums will remain low even after an accident.
Emergency ‘any driver’ cover: In a motoring or medical emergency, anyone with a full licence can drive your car.
Your older driver insurance policy can also cover you for the expenses associated with getting home after an accident – it could even pay for you and your passengers to stay in a hotel while your car is being repaired.

Not every insurer offers specialist older driver insurance – many will expect older drivers to take out a standard policy, for which you might end up paying over the odds. The best way to save money on older driver insurance is to collect as much information as possible, and take time over your decision. Shopping around for insurance can save you a small fortune.