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Car Insurance for Over 70s

5 Star Car Insurance from £187.99*

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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 we have set no upper age limit on our 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?

Some car insurance providers drastically increase the cost of their car insurance policies for over 70s out of uncertainty about health and safety. Age Co Car Insurance offers some of the best deals for retired drivers on the market to ensure turning 70 doesn’t mean forking out a fortune on insurance. 

But 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 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 60 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 is one of the few providers with policies that cater specifically for older drivers, ensuring that we’re on your side to get you the best deal from day one. We plan our policies with our customers in mind, so that benefits such as a 24-hour accident helpline, no admin fees and the option to pay monthly come as standard. And with the highest possible Star Rating from Defaqto based on customer ratings of quality and comprehensiveness, we take pride that our approach results in many happy customers. 

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

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

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

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

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

Car Insurance Policy Document

Motor Legal Protection Policy Document

Key Protection Policy Document

Excess Protection Policy Document

Brexit Information for Policy Holders

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

Customer reviews

Get in touch

Age Co Car Insurance is administered by Ageas Retail Limited, and underwritten by Ageas Insurance Limited.
Age Co Motor Breakdown Insurance is provided by Call Assist Ltd. 

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.

*10% of all customers who took out a Comprehensive policy between September 2019 and February 2020 paid £187.99 or less (includes insurance premium tax at the applicable rate).

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

*** 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.

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

Call lines open Mon-Fri: 8:30am to 6pm, Sat: 9am to 1pm. Calls may be recorded.

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

M8743V13MAR20

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