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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 with comprehensive cover^
  • 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

Common questions for over 80s Car Insurance

Maintaining the option to drive after your 80th birthday can make an enormous difference to your independence and quality of life. Everyone needs to get out and about to carry out everyday tasks, and having a car to get you to the shops or to a friend’s house can make those tasks much more simple as we get older.

While the DVLA will ask drivers over 70 to start renewing their licence every 3 years to keep a close eye on any health and safety concerns, there’s no reason why competent drivers can’t continue to use the roads for years after their 80th birthday. In fact, the number of people aged 80 or above on the roads is rising, with over 1.3 million drivers reported to be in this age category in July 2018.

Despite this, some insurance companies have made the decision not to offer policies to drivers after a certain age, or to increase their premiums by high amounts. And so it’s more important than ever to shop around and find an insurer that understands the needs of older drivers. Age Co Car has specifically created car insurance for older people in mind to offer competitive policies for mature drivers. 

Can I get insured after 80?

There are no upper age limits at Age Co Car Insurance, and so we will never decline to cover you based on your age alone. However, your circumstances will influence whether we can offer you cover in later life. Elderly customers with poor claims or convictions history, or who wish to insure a high-rated vehicle, may be unable to purchase car insurance. You will also need to be deemed medically fit and safe to drive by the DVLA before we can provide you with insurance services to suit your needs. 

Will I get a cheaper car insurance policy for being over 80?

While drivers with more years of experience are often favoured by insurance providers, many drivers notice that their insurance increases when they reach 70. Shopping around for an insurance provider that takes the needs of elderly drivers into consideration is more important than ever at 80, and it may be worth choosing an insurance provider with no upper age limits, that specifically caters to older drivers, to avoid higher prices. 

Will my car insurance be affected by my health?

No matter your age, you must report any of the medical conditions outlined by the DVLA both to the DVLA and to your car insurance provider. Some conditions might push the cost of your insurance up, but failing to notify your insurer could result in your policy becoming invalid, a £1000 fine, and even prosecution if you’re involved in an accident. 

As well as your health, you must monitor your eyesight to ensure that it meets the legal requirements for driving. Free eye tests are available on the NHS for those aged 60 or older so there’s no excuse for getting caught out with the wrong prescription glasses. Not only could this invalidate your car insurance, but it’s extremely dangerous for you and other road users. 

Why choose Age Co Car Insurance for over 80s?

Age Co Car Insurance does not punish older drivers with higher prices or limited policies, but instead, strives to create the best policies and services to suit their needs. We appreciate that the ability to pay monthly and access to a 24-hour accident helpline can make a big difference as people get older, and so these are just some of the benefits that come as standard. Age Co's Car Insurance for elderly people also offers a courtesy car, and the ‘Message Relay Service’ provides the option for a friend or family member to be contacted if a policyholder is involved in an accident. 

Age Co Car Insurance has been awarded the highest possible Star Rating from Defaqto based on customer ratings of quality and comprehensiveness and has been recognised as a Feefo Platinum Trusted Merchant for providing exceptional services to our customers. Initially created to address the challenges that older drivers were reporting to us, our services always put the customer first.


 

Benefits

Age Co Car Insurance is designed with the over 50s in mind and you can purchase fully comprehensive insurance. 

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.

  • Our 'Message Relay Service' gives you the option for a friend or relative to be contacted if you have an accident
  • Permanently fitted audio equipment is protected 
  • Our ‘Get You Home Service’ will ensure you arrive home or to your planned destination if your car is not roadworthy after an accident - up to £250
  • Unlimited windscreen cover
  • Optional excess protection cover
  • Optional motor legal protection cover; provided by Arc Legal Assistance Limited
  • Motor breakdown cover is also available; provided by Call Assist Ltd
  • European cover for up to 180 days a year, so that you can make the most of exploring the Continent during your retirement years
  • 5 Star Defaqto rated - the highest rating possible

Get a car insurance quote online today. 

Summary of cover

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 £500.

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
  • All loss or damage arising from malicious damage, vandalism, fire, theft, or attempted theft when no one is in the car unless all its doors and windows are closed and locked
  • All loss or damage arising from malicious damage, vandalism, fire, theft, or attempted theft when no one is in the car unless all keys or devices used to lock the car are removed from it
Loss of or damage to the car
  • Extra costs due to parts or replacements not being available in the UK
  • Caused by a person known to you taking the car without your permission
  • Caused by deception
Driving a car that does not belong to you
  • Use outside the UK
  • A car registered outside the UK
  • If your car is disposed of or damaged beyond economical repair
Audio, navigation, entertainment, and telephone equipment
  • All loss or damage when no one is in the car unless all its doors and windows are closed and locked
  • All loss or damage when no one is in the car unless all keys or devices used to lock the car are removed from it
Personal belongings
  • Money, business goods, and telephones
Damaged windscreen and window glass
  • Sunroof and hood mechanisms
  • Windows and windscreens unless made of glass
Personal accident
  • Suicide
  • Failure to wear seat belts
  • If driving with excess drink/drugs
Trailer cover
  • Caravans, trailer tents, horseboxes, vehicle transporters, tipping trailers, and food bars
  • No cover if unattached
Medical Emergencies
  • Drivers under 25 and inexperienced drivers

Car Insurance Policy Document
(viewable in pdf, file size 280 KB)

Comprehensive Cover Product Information Document
(viewable in pdf, file size 407 KB)


 

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.
 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.

Customer reviews

What you need to buy

To get a no-obligation Comprehensive 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 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

Policy documents

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.

Policy Documents

Car Insurance

Car Insurance Policy Document
(viewable in pdf, file size 280 KB)

Comprehensive Cover Product Information Document
(viewable in pdf, file size 407 KB)

Third Party, Fire & Theft Cover Product Information Document (for existing customers only)
(viewable in pdf, file size 407 KB)

Third Party (Only) Cover Product Information Document (for existing customers only)
(viewable in pdf, file size 405 KB)

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Motor Breakdown Insurance

Motor Breakdown Policy Document
(viewable in pdf, file size 705 KB)

Motor Breakdown (UK & EU) Cover Product Information Document
(viewable in pdf, file size 360 KB)

Motor Breakdown (UK Only) Cover Product Information Document
(viewable in pdf, file size 359 KB)

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Motor Breakdown - Car Insurance Optional Extra

Legal Protection - Car Insurance Optional Extra

Legal Protection Policy Document
(viewable in pdf, file size 622 KB)

Legal Protection Cover Product Information Document
(viewable in pdf, file size 406 KB)

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Excess Protection Car Insurance Optional Extra

Excess Protection Policy Document
(viewable in pdf, file size 624 KB)

Excess Protection Cover Product Information Document
(viewable in pdf, file size 358 KB)

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Key Protection - Car Insurance Optional Extra (no longer available to purchase from Nov 22nd 2021)

Key Protection Policy Document
(viewable in pdf, file size 613 KB)

Key Protection Cover Product Information Document
(viewable in pdf, file size 359 KB)

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Brexit Information for Policy Holders

Brexit Information for Policy Holders
(viewable in pdf, file size 1,268 KB)

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Get in touch

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The UK based service team has 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.

M0444V12JAN21

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