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Car insurance over 80s

Compare cheap car insurance quotes for drivers over 80

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Can I get car insurance if I'm over 80?

If you are medically fit to drive there should be no problem getting car insurance after the age of 80. But although motor premiums generally fall as you get older, particularly if you have no claims, the cost will usually start to rise again once you reach 70 – and car insurance premiums can increase steeply after the age of 80.

Insurers view older drivers as risky because although they may have decades of driving experience, statistically the over 80s are more likely to make a claim.

While some insurers have upper age limits on their car cover, plenty of providers offer policies at a reasonable price to drivers over the age of 80.

It’s best to shop around and compare quotes as the range of policies available is likely to be more limited for older motorists.

80+ car insurance

How much is car insurance for the over 80s?

Although car insurance premiums typically start to rise for drivers over the age of 80 - if you shop around it should still be possible to keep costs at a reasonable level. Here are the three main types of car insurance to choose from:

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    Fully comprehensive

    fully comprehensive car insurance will cover you for damage, repairs, medical expenses, fire damage and theft, as well as damage done to someone else, their car or their property

    £473 on average1
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    Third-party, fire and theft

    Third-party, fire and theft policies offer cover for other people, their vehicles and their property, as well as protection for your own vehicle if it’s stolen or damaged by fire

    £503 on average1

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    Third-party car insurance is the least comprehensive type of cover available, and it’s the minimum legal requirement you must meet to drive on UK roads. It’s also usually the most expensive of the three

    £578 on average1

1MoneySuperMarket data for driver aged over 80 with full UK licence between January and October 2020 and accurate as of Nov 2020

How do car insurance premiums compare for over 80s drivers?

Drivers over the age of 80 will start to see their premiums rise, but on average they still pay less than young, inexperienced drivers. For example, according to MoneySuperMarket car insurance data, on average an over 80s driver would pay £473 for an annual fully comprehensive car policy. This compares to an equivalent average premium of £896 for drivers aged between 25 and 292.

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2 MoneySuperMarket data for drivers with full UK licence between January and October 2020 and accurate as of Nov 2020

Ways to cut the cost of cover for drivers over 80

There are a few ways the over 80s can reduce the price of their car insurance:

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Shop around

If you allow your policy to auto-renew you may be missing out on a chance to save on your premiums. Comparing car insurance quotes and shopping around is a quick and easy way to find a good deal on your cover – so you can find a policy that offers the right cover

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Choose your car carefully

When buying a new car think about the make and model, engine size and specification. Cars are categorised by insurers based a range of factors including how much they would cost to repair. Higher performance cars and those with modifications will often cost more to insure 

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Increase the excess

By opting for a higher voluntary excess, so long as you can afford it, you could lower your premium. It shows insurers you’re unlikely to bother with a frivolous claim, so they’ll likely offer a discount 

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Reduce milage

You will have to let the insurance company know how many miles you are likely to clock up in a year, but if you can give a lower estimated mileage this could reduce your premiums

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Cut additional features

Most insurers will offer add-ons to their cover, such as lost keys, wrong fuel or legal protection. Consider whether you want these extras – you may not need them, so you might find you can save a few quid by getting a stripped-back policy

Things to consider for over 80s drivers?

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Medical conditions

If you have a medical condition you must declare it to the DVLA and to your insurer. Failure to disclose a medical condition could lead to a fine of up to £1,000 or prosecution if it leads to an accident on the road

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Renewing your licence

Once you reach the age of 70 your driving licence will expire. If you want to continue driving you must renew your licence and afterwards renew it every three years. You can renew online or by post, and renewal is free 

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Driving courses

Consider taking an advanced driving test or experienced driver course. The Royal Society for the Prevention of Accidents offers courses, and the Experienced Driver Assessment gives an objective assessment of driving skill and safety

Praksha Patel-Shah

Our expert says

"Car insurance can be expensive for drivers once they are over the age of 80. Even though older drivers are often the most careful and experienced road users, insurers tend to view the over 80s as high risk and push up premiums. One of the best ways to keep costs down is to reduce your mileage and increase your excess."

- Praksha Patel-Shah, senior channel manager of car insurance

Which car insurance brands do we work with?

We compare dozens of the biggest insurance providers in the country, including:

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How to get a car insurance quote

To compare your personalised car insurance quotes, we’ll need some information on the following:

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    Details of the car

    The car’s registration number if you have it to hand. If not, the car make and model is fine. We’ll also need the car’s age and any modifications you’ve made

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    Your details

    sIncluding your job, your age and your address – and the same for any additional drivers you may have – as well as your claims and driving conviction history

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    What you'll use the car for

    Social, commuting or business, and how many miles you think you’ll do a year. You’ll also need to say where you’ll keep the car at night for security

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    Your licence

    The type of licence you have and how long you’ve held it. You can also add any additional driving qualifications you have here

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    No-claims discount (NCD) history

    Details of your no-claims discount will help lower the price you are quoted. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour

Some insurers specialise in cover for drivers who are over the age of 80. It is worth getting quotes from specialists who may offer policies more tailored to your needs - but it won’t necessarily mean a cheaper quote. Many mainstream insurers will offer cover to older drivers so make sure you search across the market to find the best value deals, remembering that cheapest isn’t always best.

If you have specific health condition or disability that could affect your driving this could mean higher car insurance premiums. The DVLA has a list of conditions that must be disclosed – to the DVLA and to your car insurer – so check its website. You may be asked to have your driving reassessed. But in many cases you will still be permitted to drive and will be able to get insurance through mainstream providers.

As long as you are medically fit to drive and you have a valid driving licence (this must be renewed every three years after the age of 70) then you will be able to get car insurance.

Agreeing to have a black box tracker or similar device attached to your car which will monitor your driving could bring premiums down. Telematics or similar technology is often used for young drivers and those who have recently passed their test, but it can also help older drivers who are seeing premiums rise sharply due to age.

Telematics technology sends information to the car insurer about the driver and their driving habits – including things such as what time of day they drive, how far they drive and how fast. This can all be used by the insurer to assess the risk of an individual motorist. The idea is that safer drivers can bring their insurance premiums down.

There are specialist car insurance policies that might work out cheaper for occasional drivers and those with very low annual mileage.

Telematics or black box technology and pay-as-you-go policies, for example, can bring costs down if you don’t drive very often. It is worth comparing these types of policies against mainstream car insurance to see what suits your needs at the best price.

No. As long as your GP says you are medically fit to drive there are many motor insurers who have no maximum age limit on their policies.

You must surrender your driving licence if your doctor tells you that you need to stop driving for three months or more because of your medical condition.

This might include conditions such as diabetes, heart conditions, stroke, sleep apnoea and fainting. There is more information on the DVLA website.

You can reapply for your licence when your doctor agrees you meet the medical standards for driving again.


Most car insurance policies will offer optional add-ons or extras before you make the final purchase, such as breakdown insurance, windscreen cover, lost keys cover and no claims discount protection. Some extras may be useful, but they will push up the total cost of your insurance so it is important to weigh up whether you want them. In some cases, such as with breakdown cover, a standalone policy could work out cheaper.


Some comprehensive car insurance policies may include ‘driving other cars’ (DOC) cover – which gives the driver third party-only cover (cover for any damage to another vehicle, but where you are liable to the full cost of damage to the car you are driving) if they need to drive someone else’s car with their permission, for example in an emergency.

But DOC cover is rare and is not automatically applied on all policies so check the small print of your insurance. Younger drivers, in particular, are not usually allowed DOC cover.

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We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.