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Car Insurance for Over 60s

5 Star Car Insurance from £187.62*

Or call FREE on: 0800 077 8596** 0800 077 8596**

Lines open Mon-Fri: 8am to 8pm, Sat: 9am to 1pm. Calls may be recorded.

Donations to Age UK's charitable work from Age Co sales are expected to reach £3 million each year

  • Pay monthly at no extra cost (0% APR Representative)***
  • No upper age limit, unlike other providers
  • No hidden admin fees
  • Guaranteed courtesy car for Comprehensive cover customers^
  • Award-winning service^^
  • 24-hour accident helpline

Many drivers aged over 60 find that their car becomes an even more important necessity in retirement, as they start to make the most of their free time with daytrips, weekends away and opportunities to visit family and friends.

Whether it’s the chance to get out of the house and seize the day, or simply the ability to run errands and make life easier for yourself and your family, access to a car can have a big impact on older drivers’ independence and quality of life. 

Fortunately, as one of the most statistically safe age groups for driving, finding a comprehensive car insurance policy in later life needn’t be a chore. With Age Co Car Insurance for over 60s, we offer a range of benefits and optional extras tailored specifically for mature drivers to ensure you’re protected on the road.

Can I get insured after 60?

With more experience on the road and a tendency to be particularly cautious, older drivers are not only welcomed but rewarded with a competitively priced policy with Age Co Car Insurance. Unlike other providers, we appreciate that age is nothing but a number, and so we have no upper age limits on our insurance policies. We also welcome younger named drivers to be added to your policy, subject to acceptance by the insurer. 

Will I get a cheaper car insurance policy for being over 60? 

Years of experience will certainly work in your favour and earn you a low risk status, particularly if you can boast a large period of no claims. Statistically, mature drivers are less likely to be involved in an accident than younger drivers, and this will be considered in your car insurance quote. However, other factors such as your location, claims history and the type of car you drive will still influence the cost of your policy. 

Will my car insurance be affected by my health?

The DVLA requires that you inform them of any medical conditions that could affect your driving, no matter your age, and you must also report these when applying for car insurance. Some conditions may affect the options available to you and the price of your insurance. 

If you fail to notify the DVLA and your insurance company of a change in your medical health then you may be fined up to £1,000, your insurance policy may be invalid and you could even be prosecuted if you’re involved in an accident as a result. And so if you find that your 60s brings some unwelcome trips to the doctors, be sure to notify the appropriate establishments to protect your car insurance. 

If you also find that your eyesight is no longer what it once was, you should take advantage of a free NHS eye test, available for those aged 60 or above. Legally, you must be able to read a car number plate from 20 metres away to be able to drive, so if you notice that your eyes are struggling then it’s time to book an appointment with the opticians. 

Why choose Age Co Car Insurance for over 60s?

Age Co Car Insurance provides award-winning services^^ designed specifically with the over 60s in mind. Our policies take a real-world perspective on what customers need from their car insurance, including a 24-hour accident helpline, no hidden admin fees, and a courtesy car whilst your car is being repaired for those with Comprehensive cover. 

Age Co Car Insurance was put in place to offer a fairer deal to our customers and, as such, we take customer feedback very seriously. Which is why it’s so rewarding to hold the highest possible Star rating from Defaqto based on customer ratings of quality and comprehensiveness, and to be named as a Feefo Gold Trusted Merchant; recognised as a business providing exceptional services based on ratings from genuine customers. With such a positive response from our existing customers, we feel proud to offer our services to more drivers over 60 to help further mature drivers get the best deals on the road. 

Choose from a wide range of optional extras to tailor the cover to suit you.

Motor Legal Protection

  • Provides up to £100,000 of legal costs that can be used in the event of an accident that is not your fault and where a third party can be identified to claim for uninsured losses and personal injuries
  • For any claim to be pursued there must be more than a 50% chance of success
  • Any costs incurred before we appoint a solicitor will not be covered.
Key Protection
  • Within the core motor insurance policy replacement keys and locks following loss or theft of car keys are covered up to £500 and an excess of £100 would be payable. This Key Protection cover also includes other keys, such as home and office. No limit on the number of claims subject to a maximum of £1,500 in the policy year including VAT
  • Lost or stolen keys must be reported to the police and a crime reference number obtained
  • Some claims will require you to pay for the replacement of keys/locks and then seek reimbursement.
Excess Protection
  • Excess Protection will reimburse you the excess you pay following a vehicle theft, fire or fault claim
  • Claims for glass are excluded
  • Excess can only be reimbursed if it's not recoverable from a third party
  • You can make up to 2 claims per policy year subject to a limit of £500 per claim.

What you need to buy

To get a no-obligation Car Insurance quote designed for the over 60s, please have these details to hand:

Vehicle Details:

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

Driver/s Details (Main and 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 for all drivers
  • Any past motor claims by all drivers in the last 5 years
  • No Claims Discount - number of years
  • Policy start date

Here are some useful tips when looking to buy car insurance

  • Third-party insurance is not always cheaper than comprehensive and it may cost you more in the long run. If you are involved in a crash with an uninsured driver and if you are unable to prove the other party is liable for the crash you would end up paying the repair bill for your vehicle.
  • Always contact the DVLA and your motor insurance company if you develop any medical conditions that could impair your ability to drive. Otherwise you may find yourself not insured and facing a fine.
  • Spread the cost of your insurance policy with Age Co Car Insurance by paying monthly at no extra cost (0% APR Representativefor a limited time onlyThis will increase to 17.7% APR Representative for all new policies from 01 December 2018.

  

Product Literature

Car Insurance Policy Document

Motor Legal Protection Policy Document

Key Protection Policy Document

Excess Protection Policy Document

Get in touch

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Age Co Car Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.^^^
Age Co Motor Breakdown Insurance is provided by Call Assist Ltd. 

Age Co Car Insurance was previously sold under the trading name Age UK Car Insurance.

Age UK Enterprises are always committed to providing good customer service. If you buy a product from Age UK Enterprises, you may be contacted by our partners Feefo on our behalf to find out about your buying experience.

* 10% of all customers who took out a Comprehensive policy between March 2018 and August 2018 paid £187.62 or less (includes insurance premium tax at the applicable rate). The premium you pay will depend on individual circumstances, the cover chosen and optional extras selected.

** If you call the 0800 number, you may be dealing with either an Age UK office or Ageas Retail Limited.

*** For a limited time only. This will increase to 17.7% APR Representative for all policies from 01 December 2018.

^ In the event of an accident or when recovered damaged following a theft, and if repairs are carried out by an approved repairer. A courtesy car will also be provided for up to 14 days if your vehicle is stolen or written off.
^^ Awarded Feefo Gold Trusted Service Award 2018 for car insurance.
^^^ Details are available on request.

Age UK Enterprises Limited trades under the trading name Age Co Insurance Services. Age UK Enterprises Limited is a trading subsidiary company of Age UK (registered charity, no. 1128267) and donates its net profits to Age UK. Products offered by Age Co Insurance Services are arranged by Age UK Enterprises Limited and arranged and administered by Ageas Retail Limited, both of which are authorised and regulated by the Financial Conduct Authority. Ageas Retail Limited Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Registered in England and Wales 1324965. FS Register number: 312468. Age UK Enterprises Limited Registered office: Tavis House, 1-6 Tavistock Square, London, WC1H 9NA. Registered in England and Wales 3156159. FS Register number: 311438.

Call Assist Ltd is registered in England and Wales. Registered Company No: 3668383.  Registered Office address: Axis Court, North Station Road, Colchester, Essex, CO1 1UX.  Call Assist Ltd is authorised and regulated by the Financial Conduct Authority.  Financial Services Register No: 304838

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