Over 70 Car Insurance
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Why Compare Over 70 Car Insurance With SimplyQuote?
As an experienced driver, you know that you need vehicle insurance to legally drive on UK roads. But you shouldn’t have to stress about finding the right cover.
This is where SimplyQuote comes in, offering you easy access to an array of insurance quotes from leading UK insurers.
And you don’t need to worry about being an internet whizz either! All you need to do is fill in the online form with a few basic details, click “compare” and Bob’s your uncle!
It couldn’t be simpler.
What Do You Need To Get A Quote?
SimplyQuote will need the following info to source cheap car insurance premiums for you:
- Personal details – name, surname, age, valid driving licence, UK address.
- Vehicle details – make, model, registration number, vehicle security.
- Policy details – the level of cover you’re interested in.
- Insurance details – your driving and claims history.
- Annual mileage
Why Do You Need Over 70 Car Insurance?
No matter your age, it’s against the law to drive any motor vehicle in the UK without the right type of insurance cover. The law states you must have the minimum requirement of third party only (TPO) to remain compliant.
It gets slightly more complicated when you reach the age of 70, though, as these drivers aren’t automatically covered by insurance. Let us explain.
What do you need to know as a 70-year-old driver?
Your driving licence automatically expires when you reach the age of 70.
Luckily, you can renew your licence (for free!) with the Driving and Vehicle Licensing Agency (DVLA) in the United Kingdom. Once you’ve passed the minimum eye test requirements (and declared any medical conditions that could affect your driving), you can continue driving as normal.
Driving licence renewals typically take a week to process.
Generally, you can continue driving while your new licence is being processed, except in the following instances:
- You or your GP thinks you’re unfit to drive.
- Your most recent licence was refused due to medical reasons.
- You didn’t have a valid licence when applying for your renewal.
- You’ve been disqualified/banned from driving in the UK.
Having certain medical conditions doesn’t necessarily mean you’ll be banned from driving. You might need to complete an advanced driving course to prove you’re still a good driver. However, these driving assessments could bump up your insurance policy premiums.
Expert insights:
- You must renew your licence every three years (i.e. at 73, 76 and 79 years old).
- You could face a £1,000 penalty – and potential prosecution if you’re involved in an accident – if you fail to disclose medical conditions that could affect your driving.
What Does Over 70 Car Insurance Cover?
What’s covered by over 70s car insurance largely depends on your insurance company, as each provider may have different options of cover.
Generally, a comprehensive car insurance policy covers:
- Third-party liability claims (i.e. public liability)
- Legal costs
- Accidental/malicious damage
- Windscreen cover
- Replacement locks/keys
- Medical expenses
- Replacement vehicle
Are there any exclusions?
- Normal wear and tear on your car
- Unnamed/insured drivers
- Driving under the influence of illegal drugs or alcohol
- Personal belongings
- Breakdown cover (unless specific add-ons are included in your policy)
- Malicious/intentional damage by the vehicle owner (to claim an insurance payout)
- Costs incurred due to negligence (e.g. leaving the doors unlocked and the vehicle is stolen)
What Levels Of Over 70 Car Insurance Can You Get?
Like normal car insurance cover, over 70s car insurance has three levels to choose from:
1. Third-party only (TPO)
- Lowest level of cover.
- A legal requirement.
- Covers third-party claims should you injure someone or damage their property/vehicle while driving.
- Does NOT cover you (the driver) or vehicle repairs in the event of a collision.
2. Third-party, fire and theft (TPFT)
- Medium-level of cover.
- Includes basic TPO.
- Will compensate you if your car is damaged by a fire or stolen.
- Does NOT cover you (the driver) or vehicle repairs in the event of a collision.
3. Fully comprehensive
- Highest level of cover.
- Includes TPO and TPFT cover.
- Will pay for vehicle repairs/replacements should you be involved in a car accident.
- Other benefits include windscreen protection, misfuelling and legal expense cover.
Note: Check your finer policy details with your specialist insurance provider.
What Add-Ons Are Available For Over 70 Car Insurance?
There are several optional extras you can add to your over 70s car insurance policy:
Breakdown cover
provides roadside assistance should your car break down or need towing following an accident.
Replacement car cover
provides a courtesy vehicle while your vehicle is in for repairs. This may also fall under the “onward taxi travel” category.
Legal expenses cover
foots the bills for insurance claims made against you.
Increased personal accident cover
offers added financial protection if you are seriously injured (or killed) as a result of a collision.
Personal belongings cover
compensates you for lost, damaged or stolen personal possessions.
No-claims discount cover
protects your no-claims bonus.
Additional driver cover
allows you to add extra drivers to your policy.
Emergency driver cover
allows any driver to drive your vehicle should you have a medical emergency.
Telematics car insurance
black box devices that base your premiums on how you drive.
EU cover
if you frequently cross the UK border by car.
Lost keys cover
covers key replacement costs if they’re lost, damaged or stolen.
How Much Does Over 70 Car Insurance Cost In The UK?
Drivers over the age of 70 can expect to pay around £493 per year on their standard car insurance premiums. Comprehensive cover is roughly £924 annually.
The final price of your car insurance premium is determined by several factors such as your age, UK location and previous claims history.
What impacts the prices of car insurance policies?
Various factors influence the final price of over 70s car insurance, such as:
- Your age
- Where you’re based in the UK
- The type of vehicle you drive
- Where the vehicle is parked when not in use
- Your annual mileage
- Your claims history
Fortunately, there are ways to get cheaper car insurance for over 70s in the UK.
Looking for the cheapest over 70s car insurance? Get your quote today!
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How Can You Get Cheaper Over 70 Car Insurance?
To get the cheapest car insurance, we recommend:
- Comparing car insurance quotes from multiple insurers.
- Limiting annual mileage (i.e. driving fewer miles).
- Choosing a car in a lower insurance group.
- Increasing your voluntary excess.
- Ensuring your car has appropriate security overnight (e.g. alarms, locked garage).
- Opting for telematics car insurance for over 70s.
- Paying annually as opposed to monthly.
Follow these tips and use SimplyQuote’s 100% free, online comparison tool to get cheaper car insurance today!
How To Compare Over 70s Car Insurance With SimplyQuote?
Compare cheap car insurance quotes for over 70s in four easy steps:
- Fill in the quick questionnaire with details about yourself, your vehicle and your location.
- Choose optional extras you want to include in your policy.
- Compare car insurance quotes that suit your budget and insurance needs.
- Start saving today!
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Frequently Asked Questions
Car insurance for over 70s is the same as any other regular car insurance policy. The only difference is that it’s specifically aimed at mature drivers over 70 years old.
Generally, there is no age limit for car insurance in the UK as long as drivers pass the minimum requirements. However, some insurance providers may set a maximum age limit.
As an estimation, a self-referring advanced driving test costs around £325 (subsidised amount) in the UK. They’re carried out by an occupational therapist and an Approved Driving Instructor (ADI) to assess how certain medical conditions, age, and/or disabilities could affect your driving ability.
A specialist insurance provider will generally cover the costs of driver confidence coaching courses, especially for older drivers.
Note: The DVLA will decide whether to issue you with a driver’s licence.
Here are a few conditions you must declare to the DVLA:
- Dementia
- Diabetes requiring insulin treatment
- Parkinson’s disease
- Epilepsy
- Neurological disorders such as multiple sclerosis
- Eye conditions – e.g. loss/blurred vision
- Stroke (certain severity)
- Cancer (certain severity)
This depends on your chosen insurance provider. Some insurers offer no excess incentives for older drivers, while others may offer a discounted rate.