Over 80 Car Insurance
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Why Compare Over 80s Car Insurance With SimplyQuote?
You need car insurance in the UK to legally ride on the road, regardless if you’re 20, 50 or 80. The law states you must have the right car cover to remain compliant. Without it, you risk penalties, driving licence points, or even jail time.
SimplyQuote understands how overwhelming and time-consuming the entire insurance comparison process can be, especially when you’ve reached your golden years. All you want to do is find the best insurance cover, live your life, and continue driving, right?
That’s why the 100% free, online comparison tool was designed to offer a quick and easy service to drivers across the United Kingdom.
You don’t need to be tech-savvy to find a quote, because the platform is user-friendly and pain-free. Just slot a few details into the search bar, click “compare” and you’re A for away.
What Do You Need To Get A Quote?
For the best car insurance rates, please provide SimplyQuote with the following information:
- Personal details – e.g. your name, surname, UK address, driving licence, contact info.
- Vehicle details – e.g. make, model, size, age, average mileage.
- Policy details – e.g. level of cover you want, optional extras, additional drivers.
- Insurance details – e.g. claims history, driving convictions.
Why Do You Need Over 80s Car Insurance?
Every driver in the UK needs motorcar insurance, regardless of their age. It’s a legal requirement.
At a minimum, basic third-party-only (TPO) cover is required to ensure third-party persons and their property are protected while you’re behind the wheel.
It gets slightly more complicated for “golden oldies”, though, as you must renew your licence every three years after 70 for it to stay valid.
What do you need to know as an 80-year-old driver?
From 70, you must renew your licence every three years. Once you reach 80, your next renewal is due on your 82nd birthday.
You can renew your licence for free through the Driving and Vehicle Licensing Agency (DVLA) but you won’t need to do another driving test. You must pass the eye test and declare any medical conditions that could affect your ability to drive to continue driving as normal.
Pro tip: It’s best to check with your doctor if you’re in good shape to drive.
Medical conditions to declare:
- Dementia
- Diabetes requiring insulin treatment
- Parkinson’s disease
- Epilepsy
- Neurological disorders such as multiple sclerosis
- Eye conditions – e.g. vision loss/blurred vision
- Stroke (certain severity)
- Cancer (certain severity)
If you fail to do this, you could face a £1,000 fine.
What Does Over 80s Car Insurance Cover?
Car insurance for those over 80 covers exactly the same as standard vehicle insurance. It also depends on what your insurance company will or will not cover, as stated in your policy documents.
Generally, comprehensive cover includes:
- Third-party claims (i.e. public liability)
- Legal expenses
- A courtesy car while your car is being repaired
- Breakdown cover and/or onward travel cover
- Repairs to your own car
- Windscreen cover
- Lock and key cover
- Accidental/malicious damage
- Theft
What’s not covered?
- Normal wear and tear (e.g. brake pads, tyres, worn car seats)
- Driving with an expired/suspended licence
- Driving under the influence of drugs/alcohol
- Accidents or property/vehicle damage caused by unnamed/insured drivers
- Personal belongings stolen from the vehicle (e.g. wallets, handbags, GPS devices)
- Negligence
- Intentional damage
What Levels Of Over 80s Car Insurance Can You Get?
Over 80s motorcar insurance is no different to regular insurance in the UK in terms of policy levels:
Third-party only (TPO)
- Lowest level of cover.
- A legal requirement.
- Covers third-party liability claims if you injure a member of the general public (or damage their vehicle/property) while driving.
- Will NOT pay you any costs for vehicle repairs or medical attention should you be involved in a car accident.
Third-party, fire and theft (TPFT)
- Mid-tier level of cover.
- Includes TPO.
- Includes costs of your vehicle being damaged by fire or stolen.
- Will NOT pay any costs for vehicle repairs or medical expenses should you be involved in a car accident.
Fully comprehensive
- Offers the widest range of cover.
- Includes both TPO and TPFT.
- Covers all costs of the driver, including car repairs/replacement, medical bills, etc.
- Other features may include a windscreen cover, roadside assistance, and an EU cover.
What Add-Ons Are Available For Over 80s Car Insurance?
Consider a few of these optional extras:
Breakdown cover
to get your car back on the road if it breaks down.
Courtesy car cover
provides a replacement vehicle so you can get back on the road.
Personal accident cover
if you’re injured in an accident.
Motor legal protection
if you’re involved in a collision that’s not your fault.
Key cover
covers the cost of replacing lost/damaged keys.
No-claims discount cover
to protect your no-claims discount.
Windscreen cover
covers costs to repair/replace windscreens.
Black box insurance
Black box cover calculates premiums based on your driving habits.
Personal belongings cover
to reimburse you for personal items in your vehicle if they are stolen.
EU cover
if you often go across the UK border by car.
Additional driver cover
allows anyone (with a valid licence) to drive your car.
How Much Does Over 80s Car Insurance Cost?
Based on February 2024 annual prices, over 80s insurance costs approximately:
| Age Range | Average Insurance Cost (£) |
|---|---|
| 80-84 | £509 |
| 85-89 | £662 |
What influences car policy prices?
- Driver’s age
- Vehicle make, model etc
- Vehicle security measures (alarm, off-road parking etc)
- Mileage
- UK location
- Driving history
- Claims history
Luckily, there are ways to lower your over-80s insurance costs.
Looking for the cheapest over 80s car insurance? Get your quote today!
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How Can You Get Cheaper Car Insurance Premiums?
Here are a few tips to reduce your motorcar insurance costs:
- Compare quotes from car insurance providers to find the best deal.
- Pay premiums annually as opposed to monthly to eliminate charged interest.
- Limit your driving as less mileage means lower rates.
- Increase your voluntary excess to save cash in the long run.
- Opt for telematics insurance for insurers to base your premiums on how you drive.
- Consider driver confidence coaching to prove you’re a good, responsible driver.
- Consider a vehicle in a lower insurance group (i.e. drive a cheaper car).
- Ensure vehicles are secure overnight with security features like alarms and/or locked garages.
Compare car insurance the simple way with SimplyQuote today!
How To Compare Car Insurance With SimplyQuote?
Compare over 80s car insurance with SimplyQuote in four simple steps:
- Fill in the short form with your personal and vehicle details.
- Choose optional extras you want to include.
- Quickly compare car insurance policies with the online comparison tool.
- Save money with a new car insurance provider today!
Frequently Asked Questions
Car insurance for over 80s is the same as regular motorcar insurance – it’s just specifically aimed at those over the age of 80.
When it comes to car insurance, pensioners under the age of 80 generally pay lower excess amounts. This depends on the insurance providers, though, as some may not offer excess deals or discounted rates.
Yes. While insurance premiums normally come down after the age of 55, they go back up again after you reach 80 years old. This is because insurance providers consider elderly drivers to be more of a risk on the road.
Find car insurance for over 80s with SimplyQuote’s comparison tool. It’s a quick and convenient way to compare prices from multiple insurance providers.