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Car Insurance for Over 70s

5 Star cover - the highest rating you can get, from £193.14

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

  • Protecting your No Claims Discount is included as standard~
  • 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
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 require 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?

It has long been acknowledged that older drivers tend to be more cautious on the road than younger age groups, and this is reflected in the number of mature drivers involved in road accidents. As such, Age Co Car Insurance welcomes experienced drivers of all ages, and there are no upper age limit on Age Co insurance policies. As long as you are deemed safe to drive by the DVLA and medical practitioners then we are happy to insure you. 

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

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?

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 report any medical conditions that could affect your driving to the DVLA, no matter your age. 

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 70 year olds, to ensure that your eyesight meets the legal requirements for driving. Forgetting to wear your glasses or failing to change to a new prescription when needed could invalidate your insurance policy. 

Why choose Age Co Car Insurance for over 70s?

Age Co Car Insurance provides an award-winning service designed specifically with the over 70s in mind. Age Co's 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, Age Co feels proud to offer our services to more drivers over 70 to help further mature drivers get the best deals on the road. 

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Information sourced on 17 August 2020 for new online policies from Defaqto Matrix.

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£0 Adjustment Fee 


£0 Cancellation Fee

Misfuelling cover is provided as standard


Foreign Use Max Free Days
Free Foreign Use available 93 days or more





Information sourced on 17 August 2020 for new online policies from Defaqto Matrix.

Customer reviews

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

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

Get in touch

‡10% of all customers who took out a Comprehensive policy between May and October 2020 paid £193.14 or less (includes insurance premium tax at the applicable rate).

^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.

The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2020.

*If you call the 0800 number, you may be dealing with Ageas Retail Limited.

Age Co Car Insurance is administered by Ageas Retail Limited. 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. Age Co Car Insurance is administered by Ageas Retail Limited and underwritten by Ageas Insurance Limited. Products offered by Age Co Insurance Services are arranged by Age UK Enterprises Limited and arranged and administered by Ageas Retail Limited, both Ageas Retail Limited and Age UK Enterprises Limited 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. 

Age Co Motor Breakdown is provided by Call Assist Ltd.

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.

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.


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