Driving after the age of 70 can open many doors for retirees and help pensioners to enjoy their independence for longer.
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.
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.
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.
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 when driving. If you do not it could invalidate your insurance policy.
Age Co Car Insurance comes with Protected No Claims Discount as standard, a guaranteed Courtesy Car, 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. Age Co Car Insurance has continued to receive the highest possible Star Rating from Defaqto, since 2014.
Age Co Car Insurance for older drivers is designed specifically with the over 50s in mind.
Plus, with a whole range of added benefits and optional extras available, you can choose the cover that’s right for you, from an award-winning service provider.†
Get a car insurance quote online today.
In addition to this summary of cover, please refer to the policy booklet for terms, conditions, limitations and exclusions.
|
Cover |
Comprehensive |
Significant limitations |
|---|---|---|
| Liabilities to third parties | Yes | £20,000,000 limit for third party property damage. |
| Use of your car in the European Union | Yes | Maximum 180 days in any one period of insurance. |
| Driving a car that does not belong to you | Yes. In some circumstances. | Cover only applies for the policyholder and if shown on the certificate of motor insurance. Cover is Third Party only. |
| Accidental or malicious damage to your own car | Yes | Market value. Subject to excesses. Additional excesses for young or inexperienced drivers. |
| Damage to own car by fire or theft | Yes | Market value. Subject to excesses. |
| Audio, navigation, entertainment, and telephone equipment | Yes | Cover only applies to equipment permanently fitted to the car. |
| Personal belongings | Yes | Up to £300. |
| Damaged windows or windscreen | Yes | £50 replacement excess. Cover is limited to £250 after the deduction of the excess if the approved glassline is not used. If your windscreen can be repaired, your excess will be waived. |
| Personal accident and road rage | Yes | Policyholder, spouse and civil partner: death £5,000; loss of sight or limb £5,000. |
| Medical expenses | Yes | Up to £500 each person. |
|
Replacement locks |
Yes |
£100 excess. Up to £750. |
| Trailer cover | Yes | Up to £350 if single axle and attached. |
| Medical emergencies | Yes | Within 24 hours of emergency occurring. |
Significant exclusions
|
Cover |
Significant exclusions and limitations |
|---|---|
| Loss of or damage to car and personal belongings |
|
| Loss of or damage to the car |
|
| Driving a car that does not belong to you |
|
| Audio, navigation, entertainment, and telephone equipment |
|
| Personal belongings |
|
| Damaged windscreen and window glass |
|
| Personal accident |
|
| Trailer cover |
|
| Medical Emergencies |
|
Choose from a range of optional extras to tailor the cover to suit you.
|
Motor Legal Protection |
|
| Excess Protection |
|
To get a no-obligation Comprehensive Car Insurance quote, please have these details to hand:
If you're an existing customer, please call the friendly UK-based team on 0345 603 0512 if you need postal copies of any of your documents. Calls to 03 numbers use free plan minutes if available, otherwise they cost the same as 01/02 prefix calls.
Car Insurance Policy Document
(viewable in pdf, file size 280 KB)
Comprehensive Cover Product Information Document
(viewable in pdf, file size 255 KB)
Car Insurance Locks & Keys Cover Information Document (for policies purchased after 1st March 2022)
(viewable in pdf, file size 88KB)
Third Party, Fire & Theft Cover Product Information Document (for existing customers only)
(viewable in pdf, file size 254 KB)
Third Party (Only) Cover Product Information Document (for existing customers only)
(viewable in pdf, file size 252 KB)
Motor Breakdown Policy Document
(viewable in pdf, file size 705 KB)
Motor Breakdown (UK) Cover Product Information Document
(viewable in pdf, file size 207 KB)
Motor Breakdown (UK & EU) Cover Product Information Document
(viewable in pdf, file size 206 KB)
Legal Protection Policy Document
(viewable in pdf, file size 622 KB)
Legal Protection Cover Product Information Document
(viewable in pdf, file size 253 KB)
Excess Protection Policy Document
(viewable in pdf, file size 624 KB)
Excess Protection Cover Product Information Document
(viewable in pdf, file size 358 KB)
Key Protection Policy Document
(viewable in pdf, file size 613 KB)
Key Protection Cover Product Information Document
(viewable in pdf, file size 359 KB)
Brexit Information for Policy Holders
(viewable in pdf, file size 1,268 KB)
0800 077 8597* 0800 077 8597*
Lines open Mon-Fri: 8.30 am to 6.00 pm, Sat: 9 am to 1 pm. Calls may be recorded.
†The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2022.
**You must have at least 4 years No Claims Discount and 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.
††There is no obligation to complete the renewal date section, you will just need to complete your contact details and provide us with an email address. See the Prize Draw Terms and Conditions.
Age Co Car, Breakdown and Home Insurance are arranged and administered by Ageas Retail Limited. AgeCo Limited is a trading subsidiary of Age UK (registered charity no. 1128267). Both AgeCo Limited (Financial Services Register no. 311438) and Ageas Retail Limited (Financial Services Register no. 312468) are authorised and regulated by the Financial Conduct Authority. AgeCo Limited registered office: One America Square, 17 Crosswall, London, EC3N 2LB (registered in England and Wales, no. 03156159). Ageas Retail Limited Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA (registered in England and Wales, no. 01324965).
AgeCo Limited is always committed to providing good customer service. If you buy a product from AgeCo Limited, you may be contacted by Feefo.com on our behalf to find out about your buying experience.
If you need to make a complaint, please refer your policy documents or find details on our Contact Us page.
Age Co is unable to offer insurance to residents of the Channel Islands.
CI607R2MAR22
