When you have years of safe driving experience under your belt, you know what you’re looking for when it comes to car insurance, and Saga’s car insurance policies will cater to most common needs. Saga’s over 50s car insurance is designed specifically to give you the right levels of cover for you and your car, with the full range of benefits you’d expect.
Over 50s car insurance can be cheaper, as age always plays a part when it comes to determining your insurance premium. The over 50s are considered to be one of the safest groups of drivers on the road. In 2021, Department for Transport statistics show that car drivers aged 50-59 were involved in only 12% of reported road accidents in the UK.
Drivers over 50 generally are considered a sound group to insure as they are likely to:
So when it comes to car insurance for drivers over 50, UK insurers are able to offer premiums based on this statistical evidence.
Getting cheap car insurance is less important than ensuring you have the right cover for your needs. And even though targeted over 50s car insurance may not always be the cheapest option, the range of benefits that are often included can mean they are well worth considering.
Remember, it’s always worth checking policy details and suitability for your needs to make sure you’re getting the best over 50s car insurance for you.
Unlike more general policies, there are added benefits to buying over 50s car insurance through a specialist provider like Saga.
Age and driving experience will help to keep your premium costs affordable, and specific benefits can be particularly relevant, including:
*Saga Standard includes cover to drive in most European countries for up to 90 days in any policy year.
As a specialist provider of car insurance for over 50s in the UK, we can tailor our policies for your specific needs.
Car insurance for over 50s drivers varies based on how much cover you need. There are three different types of over 50s car insurance:
Third party insurance is the legal minimum you need to drive your car in the UK, but many people find that Comprehensive car insurance will give them the most peace of mind.
Saga offer three different levels of over 50s car insurance cover, Saga Standard, Saga Select and Saga Plus, each are Comprehensive and offer the same great Saga service so you can choose the most suitable policy for your needs and budget.
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As well as the standard insurance benefits that come with Saga’s over 50s car insurance, we also offer a range of options for additional cover, including:
Our Comprehensive policies include a replacement car as standard if an approved repairer is repairing your car following an accident in the UK. For an additional cost we can also offer you a replacement car if yours is stolen or written off - keeping you mobile and giving you time to find and purchase a new vehicle.
Our Comprehensive policies include £5,000 compensation for selected serious injuries as standard. Increased Personal Accident extends cover for a wider range of serious injuries or accidental death from £5,000 up to £150,000 per person, as well as cover for smaller injuries.
Although it’s unlikely you'll ever need to make a claim, if the worst does happen the benefit paid out could be substantial and help to compensate for things like loss of earnings, making adjustments to your home, or even just to help paying for things like taxis to medical appointments.
Included as standard with Saga Plus and an optional extra for Saga Select and Saga Standard, we'll cover up to £2,500 per claim and, with us, you even get up to £250 for wear and tear. You won't have to pay an excess and your No Claim Discount won't be affected.
Comes as standard with our Saga Plus cover level, but can also be added to a Saga Select or Saga Standard policy as an optional extra at any time.
To keep you on the road, we have the option of five different levels of breakdown cover. So you'll be able to find cover that is right for you.
Read all the details about our additional cover options.
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.
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.
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:
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.
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