Car Insurance for Over 70s

Defaqto 5 Star rated cover to protect your car

  • 24-hour claims line and contact centre based in the UK
  • Standard policy covers you for misfuelling, accidental and malicious damage
  • Unlimited replacement locks and windscreen repairs
Get a Quote

You're on the right track. We're just taking you to the LV= website for a quote

Age Co Car Insurance is provided by LV=; you can get a quote through their website.

Please note: terms & conditions, privacy notice and cookie policy will differ from Age Co's. When you click 'continue' you will leave the Age Co website and be taken to LV='s website.

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Age Co is 100% owned by Age UK and gives its profits to the charity.  In the financial year 2021-2022 Age Co donated £4m to Age UK.

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Age Co Car Insurance, provided by LV= is 5 Star rated by Defaqto and offers a range of features and benefits designed to suit you:

  • Cover up to £500 to continue your journey, or get you back home, after an accident
  • With Our Vandalism Promise you keep your NCD (No Claim Discount) should your car be vandalised and you need to make a claim to repair the damage; you’ll just need to pay your excess
  • Our Uninsured Driver Promise means that if you have an accident that’s not your fault, and the other driver is not insured, as long as you have the details of the other vehicle and driver you can keep your NCD and there's no excess to pay
  • Unlimited windscreen cover allows you to make claims without affecting your NCD

Why choose Age Co Over 70s Car Insurance?

Age Co Car Insurance, provided by LV=, offers a range of features and Optional Extras that may be more important for drivers over 70. These range from a 24-hour accident helpline to unlimited windscreen repairs that allow you to make multiple claims without affecting your No Claim discount (NCD). So whether you’re 50, 60, 70, 80 or older, you feel empowered to get more out of later life.

What’s covered?

What's covered?

Knowing the features and benefits your Car Insurance includes will help you make the most of your policy and pick the right cover for you. The table below provides a summary of what’s covered. It also lists the Optional Extras available for those wanting to personalise their cover.


Car Insurance

Defaqto rating

5 Star

Upper age Limit


Third party injury


Legal costs


Accidental or malicious damage


Personal belongings


Windscreen cover

Up to the market value of the vehicle insured

Replacement locks


Continuing your journey or getting you to a safe place after an accident


Medical expenses


Misfuelling drainage and damage


Protected NCD


Guaranteed Hire Car


Enhanced Personal Accident


Motor Legal


Motor Breakdown Cover (UK and EU)


European cover

180 days within insurance period


In addition to this summary, please refer to the LV='s Terms and Conditions Document and Your Cover and Limits Document for full details on your policy (terms, conditions, limitations and exclusions apply). You can also refer to the Car Insurance Product Information Document (IPID) for details specific to your quotation.

Choosing the right cover

Choosing the right insurance cover for your car

If you want to drive your car on public roads, you need to have car insurance in place. This is a legal requirement for all motorists in the UK.

The level of insurance cover you buy is down to you and should reflect your personal circumstances and needs.

At Age Co, we offer three different levels of cover

Third Party Only, which covers injury and vehicle damage to the other party if you are involved in an accident that is deemed your fault. This level of cover doesn’t include cover for damage to your car.

Third Party, Fire and Theft, in addition to third party only, this level of cover protects your car from damage caused by fire theft and attempted theft as well as claims from a third party, if you’re involved in an accident.

Comprehensive cover, the highest level of car insurance cover. It provides third party, fire and theft and covers the cost of repairing or replacing your car if its vandalised or involved in an accident.

Getting a quote

Before you get a quote, you'll need some information to hand

To get a car insurance quote, please have these details to hand:

Vehicle Details:

  • Registration number
  • Make/Model type
  • Annual mileage - an estimate

Driver/s Details (Main and any additional):

  • Name and Address (including postcode)
  • Date of birth
  • Occupation
  • Type of licence and number of years held
  • Any driving conviction details for the last 5 years
  • Any past motor claims in the last 5 years
  • No Claim Discount - number of years


Policy Documents

Your policy documents will summarise key information you need to know about your Insurance. They’ll also outline:

  • How to claim
  • How to make a complaint
  • Details of any fees or charges that we may apply and your rights under the Financial Services Compensation Scheme (FSCS)

Please remember, your policy documents should be read together with our terms and conditions and the Your Cover and Limits document so you can understand all details including any limits that apply.

Policy documents

Use the following links to open a range of policy documents:

All Age Co Car Insurance policies sold on or after 28 February 2023 are provided by LV=.

If you bought your policy on or before 22nd February, or have recently renewed your policy with us your insurance is provided by Ageas. For further details on this policy please click here.

Frequently asked questions

About our insurance cover
Can anyone take out an Age Co Car Insurance policy?

Age Co Car Insurance can be taken out by people of any age, we cover up to 110. However, we use our expertise and research into the needs of older people and have selected LV= as the provider of our car insurance because we recognise their products and customer service as suitable for our customers.

Can young drivers be included on the policy?

Younger named drivers can be included on the policy, subject to acceptance by our insurer, LV=.

Can I insure two cars at the same time?

Yes, there are two ways to do this with LV=. You can either take out a multi-car insurance policy, or you can take out two separate car insurance policies. If you choose our multi car insurance, we'll give you an extra discount and you can insure up to 6 vehicles on one policy.

If you need to add another vehicle to your policy temporarily, you'll need to call LV= for a quote on 0330 678 5226

Lines Open:

  • 8am - 8pm Monday to Friday
  • 9am - 5pm Saturday
  • 9am - 5pm Sunday and Bank Holidays

Calls will be recorded. For Text Phone first dial 18001

What is 'No Claim Discount' (NCD)?

This is a discount on your Car Insurance premium if you have not made a claim in previous years.

How can I get the maximum no claim discount?

If you have nine or more years no claim discount (NCD), our Car insurance provided by LV= will give you our maximum discount.

If I claim for windscreen damage, does it affect my NCD?

No, with LV=, who provide our car insurance, windscreen claims don't affect your no claim discount.

For example, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose any of your NCD.

Can I protect my 'No-Claims Discount'?

Yes, you can add Protected NCD as an Optional Extra to your policy. That way, if you make a claim on your policy (and LV= can't recover their costs from the person or people who are at fault) your NCD won’t be lost or reduced.

Will pre-existing medical conditions affect my quote?

Having pre-existing medical conditions should not affect your quote, but UK law requires you to report certain conditions to the Driver and Vehicle Licensing Agency (DVLA) and, if they deem you to be unfit for driving, you will be refused cover.

Legally, you must be able to read a car number plate from 20 metres away to be able to drive, so it is advised to schedule regular eye tests to ensure your vision is at its best. You can schedule an eye test at the opticians. It is your responsibility to notify us of any changes to your medical conditions that the DVLA need to be aware of, to ensure you are still covered under an existing policy.

Is Motor Breakdown cover available?

Yes, you can add Motor Breakdown cover as an Optional Extra to your policy. Motor Breakdown is provided by LV= Britannia Rescue.

Is Motor Legal cover available?

Yes, you can take out Motor Legal as an Optional Extra to your policy. Motor Legal cover protects you from the potential costs of legal action (up to £100,000) if you're involved in a car accident.

You can use Motor Legal cover to help you in a number of situations including:

  • Taking action against a road user
  • Defending yourself against a motoring prosecution
  • Recovering any uninsured losses like personal injury compensation
  • Loss of earnings or hire car costs while your vehicle is being fixed
What if my vehicle is ‘off road’ during winter or SORN?

If you are not currently using your car, or if you keep it laid up in a garage during the winter months, you can inform the Driver and Vehicle Licensing Agency (DVLA) and obtain a Statutory Off Road Notice (SORN). Vehicles with a SORN are not required to be insured while they remain off the road. It is important to note, however, that you could lose your no-claims bonus if you do not maintain a car insurance policy in your name for more than two years.

What's a Defaqto star rating?

Defaqto are a UK leading independent financial information business, and they have given our Car insurance provided by LV= a 5 Star rating.

Paying for your insurance
How can I pay for my Car Insurance?

You can pay by debit and credit card or by monthly or annual direct debit, provided you meet our affordability checks. If you need to speak about other ways to pay, please contact the team at LV=.

What are the benefits of auto-renewing?

Auto-renewal can offer you peace of mind that your insurance will remain in place when it comes to your renewal.

When you give your consent to auto-renew your policy, LV= will issue your renewal documents, which will include details of your cover and any associated costs and inform you that the policy will auto-renew without any need for you to make contact and confirm.

The consent will remain in force unless you change it, which you can do at any time, or if the policy is cancelled.

Your account and saved quotes
How do I know if I have an account?

You'll automatically have an account if you saved a quote or if you chose to sign up after buying a policy. Visit to log in to your account or set up a new one.

How long are my car insurance quotes saved for?

Your saved car insurance quotes are valid until the cover start date. You'll still be able to view them in your account after that point, but you won't be able to buy them. Simply start a new quote if your old one’s no longer valid.

I have forgotten my password for my car insurance quote and cannot retrieve it

When you saved your quote, you should have received an email from LV= with details of your quote and how to access it again. If the email isn't in your inbox, please check your spam or junk folders in case it's in there. If you still can't find it, you can reset your password in My Account by clicking the ‘I’ve forgotten my password’ link.

How we work with LV=
Why have you chosen LV= to provide Age Co Insurance?

Whether you’re in your 50s, 60s, 70s, 80s, 90s or over, we believe LV= is able to deliver great cover for experienced drivers, thanks to their excellent customer service and UK-based call centres.

Understanding our customers and their needs has always informed the products we sell and who we work with to provide them. By choosing LV=, we will be continuing to work with a partner that shares our values and dedication to customers enjoying their later life.

Who is Liverpool Victoria Insurance Company Limited (LV=)?

LV= is a leading insurance business offering a range of general insurance products. They are proud to be one of the UK’s largest personal lines insurers, with more than 6.5 million customers and 4,000 employees. Throughout their 170 year history, they have put people and customers at the heart of everything they do.

Common questions about car insurance for over 70s

In this section, you can find some of the common queries we’re often asked about car insurance for over 70s.


Can I get insured after 70?

Yes you can. Age Co Car Insurance, provided by LV= , has an upper age limit of 110.


Will I get a cheaper car insurance policy for being over 70?

Not necessarily. This is because your age is just one of the many factors that your over 70s car insurance quotes are based on. Whilst many providers will reward years of experience and lengthy no-claims periods, your overall premium price will also factor in considerations such as the type of car you drive and where you live.


Will my car insurance be affected by my health?

To ensure you have the right cover and to keep your car insurance valid, you must always inform your provider of any changes to your medical health.

After the age of 70, you must start renewing your driving licence every three years. This is to ensure that your medical information is up-to-date and being assessed correctly. You must always report medical conditions that could affect your driving to the DVLA as well as your insurance provider.

The price of your insurance and the options available to you might be impacted by certain conditions, but you could risk serious fines and/or prosecution if you fail to inform the right people.

You must ensure that your eyesight meets the legal requirements for driving. If you are prescribed glasses or lenses that enable you to see clearly whilst driving, then you must wear them, otherwise you could invalidate your insurance policy.


Why choose Age Co Car Insurance for over 70s?

Every driver's needs are different so it pays to seek out a policy that provides the cover you require, along with the benefits you'll make the most of.

Age Co Car Insurance, provided by LV=, offers a range of features and Optional Extras that may be important for our community. As standard, we offer a 24-hour accident helpline and up to £500 to continue your journey or get you to a safe place if needed. You can also choose to add to your policy with items such as Guaranteed Hire Car cover, so you don't have to be without a car.

Get in touch with LV=

Join online

Get a Quote

You're on the right track. We're just taking you to the LV= website for a quote

Age Co Car Insurance is provided by LV=; you can get a quote through their website.

Please note: terms & conditions, privacy notice and cookie policy will differ from Age Co's. When you click 'continue' you will leave the Age Co website and be taken to LV='s website.


Call for free

Lines open Monday to Friday: 8am to 8pm, Saturday: 9am to 5pm, Sunday: 10am to 4pm, Bank Holidays: 9am to 5pm. Calls will be recorded.

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Age Co Car and Home Insurance are provided and underwritten by Liverpool Victoria Insurance Company Limited. LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria General Insurance Group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales number: 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number: 202965. Registered address: 57 Ladymead, Guildford, Surrey, GU1 1DB.