Is car insurance for over 50s cheaper?

It’s possible! But car insurance premiums don’t just depend on your age and how long you’ve been on the roads. They are based on your car, its insurance group, your driving history and other factors.

There are perks to being 50 and over, besides your brilliant pop culture credentials, it could mean cheaper car insurance.

Over-50s are sometimes considered low-risk drivers and less likely to file a claim. And that could mean cheaper car insurance thanks to years of driving experience.

How can I try to keep my car insurance costs low?

Here are five tips to help you find or keep a lower premium when exploring car insurance:

  1. Consider the type of car you drive – the type of car you drive can impact your premium and may be less expensive to insure.
  2. Make the mileage count – check how much you drive based on your mileage. Often, the lower the mileage, the less money you have in your pocket.
  3. Park safely – you may be able to get lower premiums if you park your car in a driveway or garage rather than on the road overnight.
  4. Be careful with additional drivers – taking out a policy for a young, inexperienced driver can reduce their premium. But it could also increase yours. Most importantly, make sure you don’t run the risk of being “insurance fronted” or stating that you are one of the primary drivers when that is not the case. Consult our article about car insurance: the consequences to find out more.
  5. Pay in full – this can help reduce the price of your car insurance if you can afford to pay the full amount annually rather than monthly.

What is covered by car insurance

Choose between two levels of coverage for each car. OUR Third parties, fire and theft the insurance covers less but still offers several notches more protection than the basic ‘third party’ cover that everyone needs to drive in the UK. OUR comprehensive insurance offers robust cover, including costs relating to damage to your own car or van, for example in the event of an accident.

We’ve listed here how each type covers you – and for how much, and where there’s a limit on what we’ll pay.

Complete car Fire and theft by third parties
Loss or damage
Cash for a new vehicle if someone steals yours, or we’ll arrange and pay for repairs if they’re needed after an accident or fire.

Understood

The market value of your vehicle

Understood

The market value of your vehicle

Fire and theft only

What you owe to others

If you injure someone, damage their vehicle, or destroy their property in an accident, we’ll pay to repair the problem.

 Understood Understood

Uninsured driver coverage

If your vehicle is involved in an accident caused by an uninsured motorist, we will reimburse you for any deductible you paid. You will need to provide us with details of the other vehicle and the driver.

 Understood Not included

Vehicle recovery

If your vehicle is no longer roadworthy after an accident or fire, we will deliver it to one of our approved garages. We’ll take you and your passengers home, get you where you’re going, or pay up to £500 towards the cost of an overnight stay or public transport. Geographic restrictions apply

 Understood

Understood

Fire only

Drive other cars

Coverage for driving someone else’s car if you are 25 years or older at the start of the contract, you have vehicle insurance and the vehicle owner has given you the green light. It covers any third party costs, but not vehicle repairs.

 Understood Not included

Legal fees

We will pay an amount to cover legal costs that may arise if you are the victim of an accident for which you are legally responsible.

 Understood Understood

Engine injury protection

Coverage for you, your partner or your designated drivers in the event of serious injury or death following a road accident

Understood

Up to £5,000 per person per policy year

 Not included

Individual loss-free discount

Get a discount for every vehicle you insure on your policy when you avoid claims.

 Understood Understood

Keep your no-claims reduction

If you make a claim for loss or damage through no fault of your own – for example from chance encounters with potholes, storms, floods or animals – you won’t say goodbye to your discount for no -sinister.

 Understood Not included

Electrical breakdown

If you have problems with your on-board computer and any other electrical item

 Not included Not included

Tires

Any puncture, cut or burst, even if caused by braking

 Not included Not included

What do I need to get coverage for a car insurance quote?

To make it easier to get your auto insurance quote, make sure you have this information on hand:

  • Your basic information – name, date of birth, address, email and telephone number.
  • Vehicle details – registration number, how many miles you expect the vehicle to travel over the next year, modification, how you will use the vehicle and when you will need the coverage to get started
  • Driver details – driving license, driving history, convictions, complaints, employment
  • Additional drivers – information on additional drivers to be covered
  • Changes – the modifications you would like to make to your car.

Get a quote

Once you are ready with your information, get your car insurance quote.

Important documents

If you already have insurance with us, you will find your policy documents in MyAviva.

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