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Secure Your Journey with the Right Over 80s Car Insurance

Generally, people who are older will pay less for car insurance compared to teenagers and people in their early 20s. However, this changes when people get over the age of 75. This is because people in this age group tend to be in more accidents, whatever the reason for this may be. Just because people in their 80s pay more for cover though, doesn’t mean you won’t be able to get a policy at a price you can afford.

If you want to get over 80s car insurance quotes now, you can do so by clicking the green button. Tailoring the quotes to your needs is very easy and you can have them within minutes.

Did you know…?

People in their 80s tend to pay more for car insurance compared to people in their 40s, 50s and 60s, simply because they are more likely to make a claim.

Why You Need to Have Over 80s Car Insurance

It’s very important to ensure you have good cover in place in case you were to be involved in an accident. A fully comprehensive policy is the way to go if you want to protect your own vehicle for accidents, fire, theft and personal injury.

Types Of Over 80s Car Insurance

The kind of car insurance you pick will dictate the degree of safeguarding you receive. The main options obtainable in the UK are:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and fulfils the least legal requirement in the UK. It provides coverage for injuries to others and damage to other people's property but excludes any damage to your vehicle.
  • Third-Party, Fire and Theft Insurance: This encompasses everything in Third-Party Only insurance, but with added protection against loss or damage to your vehicle from fire or theft.
  • Comprehensive Car Insurance: This is the highest level of cover available. It integrates everything from the Third-Party, Fire and Theft policy, and might also cover the cost of repairing or replacing your car, regardless of whether the accident was your fault or not.

Did you know…?

Age is one of multiple factors that insurance providers take into account, with the other major ones being the value of your vehicle, your driving experience and your location.

Why You Should Get Over 80s Car Insurance Quotes

Below are some of the reasons you should consider getting Over 80s Car Insurance quotes.

  • Operating independently of specific insurers, these sites provide unbiased assessments to help users find the best policy.
  • 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.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.
  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • They promote competition among insurers, often leading to better pricing options.
  • The process is efficient, requiring users to enter their information only once, eliminating the need to fill out long forms for each provider.

Over 80s Car Insurance - Additional Types of Cover

Below are some of the additional types of Over 80s Car Insurance cover you can with your policy.

  • No Claims Discount Protection: Keep your no claims discount safe and sound, even if you make a claim. This cover helps you maintain lower premiums for the future.
  • Key Cover: Lost or stolen car keys can be a headache. This cover takes care of the cost of replacement and the locksmith's charges.
  • Misfuelling Cover: If you've accidentally filled up with the wrong fuel, don't panic. This cover protects you from any subsequent repair costs.
  • Legal Cover: This cover offers financial protection against any legal costs you might incur from a legal dispute related to a road incident.
  • Excess Protection Cover: With this, the cost of your excess is covered should you need to make a claim. You won't be left out of pocket when you need help the most.
  • Windscreen Cover: This ensures your windscreen is protected against any damage, keeping your road view clear and safe.
  • Breakdown Cover: Car problems on the road? With this add-on, you'll receive roadside assistance whenever your vehicle breaks down.
  • Uninsured Driver Protection: This ensures you're not financially hit if an uninsured driver bumps into your vehicle. It covers your excess and protects your no claims discount.
  • Foreign Use Cover: Planning a drive outside the UK? This extends your cover for driving abroad, offering the same protection you enjoy at home.
  • Personal Accident Cover: Should a severe accident occur, this provides a financial safety net, covering you or any named driver for certain injuries.
  • Courtesy Car Cover: Car in for repairs? This cover ensures you get a courtesy car, keeping your daily life from being disrupted.
  • Child Car Seat Cover: In the event of an accident, this cover provides funds for the replacement of child car seats, even if they don't show any visible damage.

Did you know…?

Getting quotes is a good way to avoid overspending on car insurance.

Over 80s Car Insurance - Save Money

You can save money on Over 80s Car Insurance using the methods below.

  • Shop Around: Don't settle for the first quote you receive. Use the comparison tool to explore various policies and find the one that offers the best value for your money.
  • Choose Your Car Wisely: The make, model, and age of your car can affect the cost of your insurance. Cars that are less expensive to repair or replace usually come with cheaper insurance premiums.
  • Park Securely: Cars parked on the street are more likely to be stolen or damaged. If possible, park your car in a garage or secure parking spot overnight.
  • Avoid Modifications: Any modifications to your car could increase your insurance premium. If you're looking to save money, try to keep your vehicle as close to its factory condition as possible.
  • Limit Your Mileage: If you can, try to limit the amount of driving you do. Lower annual mileage can lead to cheaper insurance premiums.
  • Maintain a Clean Driving Record: A clean driving record, free from accidents and violations, can help lower your premium costs as it shows insurers that you're a low-risk driver.

Compare Over 80s Car Insurance Quotes Now!

By comparing quotes on offer it takes the stress out of finding the right car insurance. Here's your checklist:
  • Start by putting in your personal info - they handle it with the highest security standards.
  • Provide the details of your car - this helps them personalise your options.
  • Don't forget your current insurance details - this aids in refining their recommendations.
  • Soon, specialist insurance providers will contact you with bespoke quotes.

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Over 80s Car Insurance FAQs

Should you continue driving over the age of 75?

This really depends on your personal circumstances. If you’re still mentally and physically healthy and feel you’re able to continue driving, then there’s no reason not to continue.

Are there ways to reduce the cost of insurance?

Yes. One way to reduce the cost of your insurance would be to get a third party only policy. You might also consider getting black box insurance policy or paying for your insurance on an annual basis.

If I'm a woman over 80, will my cover be cheaper?

No. Insurance providers can no longer offer women insurance at a cheaper rate based solely on their gender.