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Ensuring Your Journey's Safety with the Correct Over 50s Car Insurance

if you’re over the age of 50, then you can benefit by getting cheaper car insurance compared to those who are younger. This is particularly true if you have a lot of driving experience and have built up a good no claims bonus. Car insurance for those over 50 is generally cheaper because people in this age bracket tend to be in less road traffic accidents and are less likely to get convictions for things like speeding and drink driving.

You can get over 50s car insurance quotes now by clicking the green button. Below you can find more information about the different types of cover that are available as well as FAQs for over 50s cover.

Did you know…?

People over the age of 50 tend to pay less for cover than people in their 20s and 30s. This is due to having more experience and being less likely to be involved in accident.

Why Getting Over 50s Car Insurance Is Important

It’s always important to get cover for your vehicle, regardless of your age. You never know when you might be in an accident or have your car stolen or vandalised. A good car insurance policy will protect you for these risks.

Over 50s Car Insurance Cover Options

The selection of your car insurance type has a significant influence on the level of protection you receive. The main types offered in the UK are:

  • 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.

Did you know…?

Age is one of multiple factors insurance providers consider. Others include your occupation, where you live and how you use your car.

Why You Should Compare Over 50s Car Insurance Quotes Online

Comparing Over 50s Car Insurance quotes is always recommended. Below are some reasons why.

  • They allow customisation of search results based on individual needs, such as coverage type and excess amount, for a personalised experience.
  • These services don't require commitment or purchase; they can be used as research tools.
  • They promote competition among insurers, often leading to better pricing options.
  • Users can take note of extras included in some policies, like breakdown cover and legal protection.
  • Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.
  • The real-time comparison of prices from various insurers aids in making an informed decision.

Additional Cover Available for Over 50s Car Insurance

Tailor your Over 50s Car Insurance so it’s perfect for your needs with these additional cover options.

  • Windscreen Cover: A clear view is crucial when you're on the road. This cover ensures your windscreen's protection against any damage.
  • Excess Protection Cover: Need to make a claim? Don't fret about the cost of your excess. This cover's got your back.
  • Key Cover: Lost keys or stolen ones, this cover sorts out the cost of replacement and the locksmith's charges.
  • Legal Cover: A legal dispute from a road incident can be a financial burden. This cover is there to lighten that load.
  • No Claims Discount Protection: Make a claim without worrying about your no claims discount. This cover ensures it stays intact.
  • Foreign Use Cover: Fancy driving abroad? This extends your cover overseas, offering the same level of protection as you enjoy back home.
  • Breakdown Cover: Car troubles mid-journey? This add-on offers roadside assistance whenever you need it.
  • Uninsured Driver Protection: An uninsured driver hit your vehicle? This cover ensures you're not left out of pocket, protecting your excess and your no claims discount.
  • Personal Accident Cover: If a severe accident happens, this cover provides financial support for you or any named driver for certain injuries.
  • Misfuelling Cover: Put the wrong fuel in your car by mistake? This cover shields you from any subsequent repair costs.
  • Courtesy Car Cover: If an accident sends your car to the garage, this cover ensures you're not left high and dry by providing a courtesy car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for replacing any child car seats, even if there's no visible damage.

Did you know…?

Getting quotes is an excellent way to save money on over 50s car insurance.

Over 50s Car Insurance - Good Ways to Save Money

Follow the tips below to make sure you get the best price for your Over 50s Car Insurance policy!

  • Limit Optional Extras: While optional extras can provide valuable additional coverage, they also add to the cost of your premium. Make sure any extras you choose are truly necessary.
  • Add a Named Driver: Adding a more experienced driver to your policy could reduce your premiums, especially for younger or less experienced drivers. Be aware that the main driver must be the person who drives the most, as falsely declaring this (fronting) is illegal.
  • Consider Insurance When Buying a Car: If you're in the market for a new car, consider insurance costs before finalising your purchase. Cars are categorised into insurance groups based on factors like repair costs and performance – higher group ratings usually mean higher insurance premiums.
  • Check for Discounts: Always check if the insurer offers any specific discounts. For example, some insurers may offer discounts for buying online, being a member of a certain profession, or belonging to a certain organisation.
  • Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
  • Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.

Compare Over 50s Car Insurance Quotes Now!

Comparing makes the process of finding the right car insurance easy. Just follow these steps:
  • Enter your personal information.
  • Provide your vehicle's details.
  • Fill in your current insurance details.
  • Specialist insurance providers contact you with tailored quotations

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Over 50s Car Insurance FAQs

Will I pay less for cover if I'm over 50?

This is generally true, especially when compared to teenagers and those in their early 20s. However, there are other factors insurance providers consider too, such as your occupation, the value of your vehicle and your driving record.

Are there other ways to save money on car insurance?

Yes. You can lower the cost of your insurance by –

  • Getting a limited mileage policy
  • Parking your vehicle off the road
  • Paying annually
  • Making your vehicle secure

It is a good idea to switch providers when renewing?

You can often save money by getting cover from another insurance provider, so it’s always a good idea to shop around when it’s time to renew your policy.