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Car Insurance for Over 80s

5 Star Car Insurance from £187.99*

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 covers 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

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 Insurance has been created specifically with mature drives in mind to offer competitive policies to our customers.

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 a 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 for 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 do not punish older drivers with higher prices or limited policies, but instead strive 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 you get older, and so these are just some of the benefits that come as standard. A courtesy car is also offered to those with comprehensive cover, and our ‘Message Relay Service’ provides the option for a friend or family member to be contacted if you’re 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 Gold 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.

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

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


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