Over 60 Car Insurance
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Why Compare Over 60 Car Insurance With SimplyQuote?
Whether you’re already retired or nearing your golden years, the last thing you need is to stress about getting insurance. You probably want to spend the time relaxing with family and loved ones, or enjoying your empty nest and going on adventures!
But before you can hit the road, you need car insurance.
SimplyQuote makes it really simple to find and compare prices from leading insurance providers in the UK. By completing a short online form, you will receive no-obligation quotes so you can find the perfect insurance policy to suit your needs.
What Do You Need To Get A Quote?
Provide SimplyQuote with the following information to receive an insurance quote:
- Personal information – your name, age and location
- Vehicle information – type, make, age, value
- Annual mileage
- Address – where you live, park your car and drive most frequently
- Retirement status or occupation
- Driving history
- Claims history
Why Do You Need Over 60 Car Insurance?
You legally require car insurance if you wish to drive in the UK. And, as someone nearing their golden years, you’ll get to enjoy discounted insurance rates!
That’s because older drivers have much more driving experience, and are usually safer drivers. Many people over the age of 60 are retired, which means they spend less time on the road as they no longer have to commute for work.
All these factors mean that you’re viewed as lower risk by your insurance company, so you will be able to enjoy cheaper car insurance than younger drivers.
What Does Over 60s Car Insurance Cover?
What is covered by your policy will depend on your insurance company and the level of cover you choose. If you opt for comprehensive cover (discussed below), the following are usually included:
- Third-party injury – causing injury to a third party or damaging their vehicle/property.
- Legal expenses – in case someone takes you to court for an accident you caused.
- Windscreen cover – repair or replace a damaged windscreen.
- Key cover and replacement locks – covers the cost to replace a lost or damaged key and replace the locks.
- Medical expenses – should you be injured in an accident (even if it’s your fault).
- Journey continuation – making sure you get to your destination or a safe place after a motor accident.
- Breakdown cover – roadside assistance or towing your car to a mechanic.
What’s not covered?
- Wear and tear
- Driving under the influence of drugs or alcohol
- An unnamed driver causing an accident
- Negligence resulting in a stolen or damaged vehicle
- Malicious damage in an attempt to make a claim
Looking for the cheapest over 60s car insurance? Get your quote today!
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What Are The Types Of Over 60 Car Insurance?
There are many different types of car insurance for over 60s, as it is usually a standard car insurance policy. These include multi-car policies, fleet insurance, van insurance, business use insurance, etc.
However, since older drivers tend to no longer commute to work daily, car insurance companies usually recommend the following insurance policies:
Pay-as-you-go (PAYG) insurance
This policy is perfect for those looking for cheap car insurance who also don’t plan on driving a lot.
Instead of taking out an annual policy, PAYG only covers you when you’re actually driving. Your car insurance premium is then calculated based on how many miles you drive.
If you don’t plan on using your car often, this is the policy for you.
Telematics insurance
Also called black box insurance, this insurance uses data from a telematics device installed in your car to calculate your premiums.
The black box records how you drive and sends the info to your insurance company. If you’re a responsible driver (e.g. you don’t speed, you accelerate slowly, you don’t drive at night), you will enjoy much cheaper car insurance.
Classic car insurance
If you’re a collector of classic or vintage cars or your car is as old as you, this policy is ideal. Classic car cover protects cars over 15 years of age and collectables. Although there’s a cap on the annual mileage for these vehicles, if you only use your car occasionally, consider getting this affordable cover.
*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
What Levels Of Over 60 Car Insurance Can You Get?
There are three levels of insurance cover available for drivers over the age of 60:
- Third-party only (TPO) – This is the most basic level of cover and the minimum legal requirement in the UK. It will only cover damage that you caused to a third party’s car or property (or any injuries they suffered). It won’t pay for any damage to your own vehicle or to cover your medical expenses.
- Third-party, fire and theft (TPFT) – This mid-tier level of cover includes TPO and any damage to your car by a fire, or if your car is stolen. It won’t cover any other damage to your vehicle or yourself.
- Comprehensive cover – This is the highest level of cover you can get. You’re provided with TPFT cover as well as damage to your car and yourself.
Which Add-Ons Are Available For Over 60 Car Insurance?
Insurance companies recommend that older drivers add the following extras to their policies, especially if they have TPO or TPFT cover:
- Breakdown cover
- Courtesy car cover
- Legal costs cover
- Personal belongings cover
- Personal accident cover
- Misfuelling cover
- No claims discount protection
- EU cover
How Much Does Over 60 Car Insurance Cost?
Over 60s tend to enjoy the cheapest car insurance. There are different insurance rates for different age classes for older drivers. On average you can expect to pay the following:
| Age Range | Average Insurance Cost (£) |
|---|---|
| 60-64 | £345 |
| 65-69 | £340 – £349 |
| 70-74 | £326 – £361 |
| 75-79 | £338 – £414 |
| 80-84 | £416 – £509 |
| 85-89 | £519 – £662 |
Looking for the cheapest over 60s car insurance? Get your quote today!
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Which factors influence the insurance cost?
Your insurance provider will consider the following when calculating your premium:
- Your age
- Where you live
- Your claims history
- Your existing no-claims discount
- The car you drive (and it’s value)
- Your annual mileage
- Where your car is parked
Using this information, your insurer can determine how much of a risk you are to insure, and calculate your premium accordingly.
How Can You Get Cheaper Car Insurance If You’re Over 60?
Looking for even lower insurance rates?
Here’s how you can cut your insurance costs:
- Drive a car in a lower insurance group (e.g. a smaller car).
- Make sure your car is securely parked in a safe area when not in use.
- Only get the cover you need and avoid unnecessary add-ons.
- Keep your annual mileage as low as possible (and let your insurance provider know).
- Increase vehicle security by installing a tracking device and alarm.
- Opt for PAYG insurance.
- Pay your insurance annually to avoid interest.
- Increase your voluntary excess (but make sure you can still pay the excess when you have to file a claim).
- Install a telematics device to track your driving habits.
- Prevent your insurance policy from auto-renewing.
- Avoid driving at night or in unsafe areas.
How To Compare Over 60s Car Insurance With SimplyQuote?
Comparing cover 60s car insurance quotes couldn’t be simpler with SimplyQuote:
- Complete an online questionnaire: Tell us about yourself and your vehicle.
- Select your insurance: Choose the policy that best suits you and any extras.
- Compare cheap quotes: Receive the best insurance deals.
- Save money: Find car insurance cheaper than ever before!
Frequently Asked Questions
Over 60s car insurance is designed specifically for older drivers. These individuals are more likely to drive safely due to years of experience, meaning they’re considered lower risk for insurance companies.
The Association of British Insurers (ABI) states that those aged 66 to 70 tend to have the lowest car insurance premiums.
No, you don’t need a specialist provider, however, these specialists often offer various perks and discounts specifically for older drivers.
Some benefits you might be offered from specialist providers include:
- 3-year fixed price
- Courtesy car
- European cover for up to 180 days
- Windscreen cover
- Service to get you home if you were involved in an accident
If you’re healthy and fit, you should be able to get lower car insurance rates. However, if you suffer from any medical conditions that may impact your ability to drive, you need to notify your insurance provider as well as the DVLA. Should you fail to do this, you will face fines and your licence may be invalidated.
The government has published a list of health conditions that must be declared.