OVER 50s CAR INSURANCE

You don’t need to have a health check to take out over 50s car insurance. However, if you have an existing medical condition that affects your driving you must declare it to the DVLA and to your insurance provider.

You can check if you have a condition that needs to be reported on the DVLA website. You can be fined up to £1,000 if you do not report a medical condition that affects your driving.

Age and driving experience are big factors in determining the best car insurance for over 50s. In addition, there are a number of things you can do to ensure you benefit when it comes to searching for cheap car insurance for over 50s.

• Increase your voluntary excess – accepting a higher excess could reduce your premium, as long as you would be able to pay for any damage if you do have an accident. Please note, not all claims require you to pay an excess.
• Improve car security – park your car in a locked garage or private driveway where possible, and always make sure your car’s secured and fully locked before you leave it.
• Drive fewer miles – lower mileage means lower risk, but you must be as accurate as possible with the number of miles you plan to drive, or risk invalidating your cover.
• Check your extras - only buy the cover you actually need, to make sure you have the right cover for your use.
• Pay annually – this option is usually cheaper than paying monthly for insurance.

Find out more. Get a Saga over 50s car insurance quote online.

You’ll need to be over 50 to qualify for our car insurance, but there is no upper age limit. As long as you’re well enough to drive and not affected by any medical conditions that prevent you from driving safely, then we’ll continue to insure you, subject to our usual terms and conditions.

There’s no maximum legal age for driving in the UK, so you’re free to continue driving as long as you are fit enough to do so. You will need to renew your driving licence at 70.

Find out more about car insurance for the over 60s, over 70s and over 80s.

Usually you would expect over 50s car insurance to be lower than for people in higher risk age groups. But there are some factors which would influence the cost of car insurance for those over 50 negatively due to a perceived higher risk, including:

• High number of previous claims
• Driving convictions or points on your licence
• Higher mileage requirements
• Once your age reaches 70 or 80

Cheap car insurance for over 50s is not always the best cover, so always check the full details of any policy you are considering to make sure it will meet all your needs.

There’s usually no reason you can’t learn to drive in your 50s. In fact, passing your driving test could open up new opportunities, including more freedom to travel, whether enjoying UK staycations or offering lifts to family.

Driving test pass rates tend to decline with age, but don’t let statistics discourage you. Stay positive, and remember that you’re not too old to learn. Embrace the process, and celebrate each step towards passing your test.

You might have a busier schedule than younger learners, so consider taking an intensive driving course. These condensed programs offer a block of lessons over a couple of weeks, with your theory and driving tests also booked in. You could also seek help from friends and family who drive – invite them to join you in the car for extra practice.