Don’t have your registration number? No problem, click here.

Keep Your Road Trips Secure with the Ideal Older Drivers Car Insurance

If you’re an older driver, the good news is you can usually get car insurance at a much cheaper rate compared to younger people. Older drivers tend to have a lot more driving experience and are statistically less likely to be involved in accidents. This means insurance providers consider them a low risk group and can offer car insurance cheaper as a result.

Click the green button to get older drivers insurance quotes that are tailored to your needs now; or read on for more information on the types of cover you can get as well as some good ways to save money.

Don’t have your registration number? No problem, click here.

Did you know…?

Older drivers can often get car insurance much cheaper, especially compared to teenagers and those in their early 20s.

Why Older Drivers Car Insurance Is Something You Have To Get

Getting car insurance is necessary at any age and without it, your vehicle will not be road legal. You can choose what level of cover you want to get from third party only all the way up to fully comprehensive.

Older Drivers Car Insurance Cover Options

Third-Party Only Insurance

: This is the most basic form of car insurance and fulfils the minimum legal requirement in the UK. It caters to injuries to others and damage to other people's property, but doesn't cover damage to your own vehicle.

Third-Party, Fire and Theft Insurance

: This insurance is an upgrade from Third-Party Only coverage, providing additional protection against loss or damage to your car due to fire or theft.

Comprehensive Car Insurance

: This provides the most complete coverage. It comprises all the features of Third-Party, Fire and Theft policy, and can also cover the cost of repairs or replacement of your car, regardless of who was responsible for the accident.

Don’t have your registration number? No problem, click here.

Did you know…?

Age isn't the only factor insurance providers consider. Things like your occupation and location also play a role.

Why Comparing Older Drivers Car Insurance Quotes is Highly Recommended

Below are some great reasons for getting Older Drivers Car Insurance quotes.

  • They allow users to browse through various quotes from different insurers, offering a wide range of options that cater to every requirement.
  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • The real-time comparison of prices from various insurers aids in making an informed decision.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

Additional Types Of Older Drivers Car Insurance Cover

Tailor Older Drivers Car Insurance so you get the level of cover that’s right for you.

  • Breakdown Cover: With this add-on, you receive roadside assistance whenever your vehicle breaks down, providing you with peace of mind during every journey.
  • Legal Cover: This provides financial protection against any legal costs you might incur if you're involved in a legal dispute related to a road incident.
  • Courtesy Car Cover: If your car needs repairs after an accident, this cover ensures you're provided with a courtesy car, so your daily routine isn't disrupted.
  • Windscreen Cover: This cover provides protection against any damage to your windscreen, ensuring your view of the road remains crystal clear.
  • Personal Accident Cover: This provides you with a financial safety net in the unfortunate event of a severe accident, covering you or any named driver for certain injuries.
  • Key Cover: This offers you protection against the loss or theft of your car keys, covering the cost of replacement and even the locksmith's charges.
  • No Claims Discount Protection: With this, your no claims discount remains intact even if you make a claim, helping you maintain lower premiums in the future.
  • Excess Protection Cover: This covers the cost of your excess should you need to make a claim, meaning you won't be out of pocket when you most need it.
  • Uninsured Driver Protection: This ensures you're not left out of pocket if an uninsured driver hits your vehicle, covering your excess and protecting your no claims discount.
  • Foreign Use Cover: This extends your cover for driving abroad, providing you with the same level of protection as you enjoy at home.
  • Misfuelling Cover: Protects you against any repair costs if you accidentally put the wrong fuel in your car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for the replacement of any child car seats, even if there's no visible damage.

Don’t have your registration number? No problem, click here.

Did you know…?

Getting quotes is one of the best ways to save on older drivers car insurance

Saving Money On Older Drivers Car Insurance

Saving money on Older Drivers Car Insurance isn’t difficult to do. Below are some great ways.

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.

Compare Older Drivers Car Insurance Quotes Now!

Comparing tailored quotes is the secret weapon for zeroing in on the best car insurance. Here's the roadmap:
  • Firstly, you input your personal details - they assure absolute data protection.
  • Then, share your vehicle's specifics - every detail leads to a better fit.
  • Fill in your current insurance particulars - it's crucial for personalised recommendations.
  • Sit back as specialist insurance providers connect with you offering tailored quotes.

Don’t have your registration number? No problem, click here.

Older Drivers Car Insurance FAQs

Why is insurance for older drivers cheaper?

Car insurance for older drivers tends to be cheaper because they’re less likely to make a claim. This is usually because they have more driving experience and don’t tend to speed as much as younger drivers.

What factors affect what I pay for car insurance?

As well as your age, insurance providers also take into account the value of your vehicle, where you live, how secure your parking situation is and any medical conditions you have that might hinder your ability to drive.

What are some ways to save money?

Some great ways to save money are –

  • Use your no claims discount
  • Get a limited mileage policy
  • Pay upfront rather than monthly
  • Shop around for quotes

Don’t have your registration number? No problem, click here.

Compare Mature Drivers Car Insurance

Related Older Drivers Car Insurance Guides

How Much Does Car Insurance Go Down After 1 Year No Claims?

On average, UK drivers with 1 year of no claims can expect their car insurance to drop by around 10%…
Read full guide

Transferring Insurance From One Car To Another

You can transfer your car insurance from one vehicle to another, but it’s not automatic. You’ll need to contact your…
Read full guide

Does Car Leasing Include Insurance?

Most car leasing deals do not include insurance as standard. When you lease a car in the UK, you’re usually…
Read full guide

Can You Cancel car insurance At Any Time?

Yes, you can cancel your car insurance at any time in the UK. Whether you pay monthly or annually, it’s…
Read full guide
man taking photo of a crash

Which age group causes the most car accidents in the UK?

In the UK, the age group most likely to cause car accidents is younger drivers, especially those aged 17 to…
Read full guide
written off car

What colour car has the most accidents in the UK?

When it comes to road safety, you might wonder if the colour of your car affects your risk of being…
Read full guide

What is Third Party Car Insurance?

Third party car insurance is the minimum legal level of cover you need to drive on UK roads. It covers…
Read full guide

Do I Need Business Car Insurance as a Carer?

Yes, if you’re a carer using your vehicle for work-related travel, such as driving to clients’ homes, appointments, or care…
Read full guide

Does your job title affect car insurance?

Yes, your job title can affect your car insurance costs. Insurers use it, along with other details, to work out…
Read full guide

How Long Does It Take to Get Car Insurance?

In the UK, you can get car insurance in as little as 15 minutes, especially if you’re buying online. Most…
Read full guide

Older Drivers Car Insurance Providers

Clean Green Compare have partnered with Quotezone.co.uk to help you save money on your Older Drivers Car Insurance. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.

You could save up to £518* *51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Ian Beevis - Clean Green Compare Insurance Expert
Updated 20 December 2024Reviewed by Ian Beevis Insurance Expert