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  • Protecting your No Claims Discount is included as standard***
  • No upper age limit, unlike other providers
  • No admin fees
  • Guaranteed courtesy car for Comprehensive cover customers^
  • Award-winning service†
  • 24-hour accident helpline
Donations to Age UK's charitable work from Age Co sales are expected to reach £3 million each year

Driving after the age of 70 can open many doors for retirees and help pensioners to enjoy their independence for longer. Everyday tasks such as shopping or simply popping over to visit family members are usually much easier with a vehicle to get you from A to B.

Although the DVLA requires drivers to renew their licence every three years after turning 70, this does not necessarily suggest that you are unsafe to drive. It does ensure that any issues with health and eyesight are regularly monitored however, so that an older driver does not become unsafe on the road.

Choosing the best car insurance for over 70s will become important as you reach this milestone, to ensure your individual needs are met. Age Co Car Insurance is specifically designed for mature drivers, with policies that can be enhanced with optional extras to give you the cover you need.

Can I get insured after 70?

Age Co Car Insurance welcomes experienced drivers of all ages, and we have set no upper age limit on Age Co Car Insurance policies.  As long as you are deemed safe to drive by the DVLA and medical practitioners you can get a quote today.

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

Not necessarily. While years of experience and a lengthy no claims period could help get you a lower cost policy, you will still be subject to the same considerations you always have; including the type of car you drive and your postcode. 

Will my car insurance be affected by my health?

One of the key reasons that you must start renewing your driving licence every three years from the age of 70, 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 this, you must also inform your car insurance provider of any changes to your medical health, or risk your policy becoming invalid. 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 should also make the most of free NHS eye tests for over 60 year olds, to ensure that your eyesight meets the legal requirements for driving. If you are prescribed glasses, you must wear them wehn driving. If you do not it could invalidate your insurance policy. 

Why choose Age Co Car Insurance for over 70s?

Age Co car insurance comes with Protected No Claims Discount as standard. A guaranteed Courtesy Car for comprehensive customers. No Admin Fees and a ‘Get you home service’ after an accident – up to £250. Features such as a 24-hour accident helpline and a UK-based call centre are included. As well as those features, Age Co Car Insurance has continued to receive the highest possible Star Rating from Defaqto, since 2014.

Policy options and extras

Choose from a 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 the insurer appoints 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.

Age Co Car Insurance is administered by Ageas Retail Limited, and underwritten by Ageas Insurance Limited.

What you need to buy

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 an incident 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. To find out more, please visit www.gov.uk/health-conditions-and-driving.

To get a no-obligation Car Insurance quote designed for the over 50s, 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. To find out more, please visit www.gov.uk/health-conditions-and-driving

Product Literature

Motor Legal Protection Policy Document 

Excess Protection Policy Document

 

Age Co Car Insurance is administered by Ageas Retail Limited, and underwritten by Ageas Insurance Limited.

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The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2021.
***If you have at least 4 years of proven no claims and have made no more than 1 fault claim in the past 3 years.
^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. 
**If you call the 0800 number, you may be dealing with Ageas Retail Limited.

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

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.

If you need to make a complaint, please refer to the policy documents.

Age Co are unable to offer insurance to residents of the Channel Islands.

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