With Saga’s over 70s car insurance, you can also choose optional extras, including breakdown assistance and replacement car extension, where you get a courtesy car if yours has been stolen or written off and a £100 cash benefit.
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If you want to carry on driving when you reach 70, you’ll need valid car insurance coverage and a renewed driving licence from the DVLA. There’s no need for any other changes – you can continue to stay active behind the wheel.
There’s no maximum legal age for driving in the UK. So, you’re free to continue driving as long as you’re fit enough.
The number of people over 70 driving in the UK has rapidly increased recently. According to Government statistics, in 2022, 73% of adults aged 70 and over in England held a driving licence, up from 59% in 2012.
As a mature driver, you have different needs to the younger generation, so you’ll want to choose the best over-70s car insurance to suit you.
As an over 70, you may have retired, which means your financial situation may have changed. Finding cheaper car insurance can be helpful, especially if you’re living off your pension.
There are ways to keep costs down and find the cheapest car insurance for over 70s, including:
You might have many years of no-claim discount and experience behind the wheel, which can also help keep costs down. Having a low claims history can also reduce the price of your insurance.
Our 3-year fixed price feature for over 70s car insurance can help you budget. If there are no legal changes, like changing your car, moving house, or getting points on your licence, the price of Saga Plus insurance stays the same for 2 renewals (T&Cs apply). Your price can even remain the same after most claims.
When comparing car insurance quotes and cover for over 70s, it’s important to look at the benefits of each policy to make sure it meets your needs. Our policies are designed for mature drivers and offer some key advantages.
3-year fixed price if nothing changes, which means your price stays the same for the next 2 renewals (T&Cs apply).
Accident Healthcare if you (or your spouse or partner) is injured in a road accident in the UK, we'll organise eligible private medical treatment for you up to £1 million.
Onward taxi travel if you have an accident in the UK and your car is too damaged to drive – we’ll arrange a taxi to take you wherever you’re going in the country.
Key protection covering lost or damaged keys up to £2,500 per claim, including up to £250 for wear and tear – you won’t pay any excess, and claiming won’t affect your no claim discount.
Driver confidence course with Legal Protection, so if you lose confidence in your driving, we’ll pay for up to 4 hours of driver confidence coaching to help you get back on the road.
Protected No Claim Discount for 4 or more years of no claim discount against 2 fault claims over 3 years.
Vandalism promise, which means you won’t lose your no claim discount if you make a valid claim for damage caused by vandals.
Emergency any driver cover, if there's a medical emergency during your journey, any driver can take over the driving or take your vehicle back home.
Two year new for old cover if you’ve owned your vehicle from new and it’s up to a year old, we’ll replace it with a brand new one if it’s written off. Cars between 1 and 2 years old are covered up to 12,000 miles.
£1,000 personal belongings cover for items, including wheelchairs or other mobility aids. Throughout December, we automatically increase personal belongings cover to £2,000, covering you for presents that might be damaged in an accident or stolen from your car.
Our car insurance policies offer a range of perks for drivers aged 70. The best part? You can get a quote with the tap of a button.
Insurance perk | Details |
---|---|
Uninsured driver promise |
If you’re in an accident with an uninsured driver, we refund any excess you pay (as long as it isn’t your fault and you have their registration and accident details). This doesn’t affect your no claim discount. |
Voluntary work |
Your car is insured for voluntary work with registered charities. |
Guaranteed replacement car |
If your car is being repaired after an accident in the UK, we’ll give you a replacement while you use our repairer network. |
Child car seat cover |
We replace children’s car seats after an accident, even if there’s no visible damage. |
Driving in Europe |
You can drive your car in over 30 European countries for as long as you want (up to 90 days with Saga Standard) under your UK policy. |
With Saga’s over 70s car insurance, you can also choose optional extras, including breakdown assistance and replacement car extension, where you get a courtesy car if yours has been stolen or written off and a £100 cash benefit.
You need to renew your licence every three years after you turn 70. About 90 days before your 70th birthday, the DVLA will send you a letter asking you to renew your driving licence. You don’t need to retake your test. Just send back the form on paper or online.
When you renew your licence, you confirm that you have no medical conditions and that your eyesight meets the minimum requirements for driving. It’s essential that you report any medical conditions that can impact your ability to drive to the DVLA.
Always use GOV.UK to renew your driving licence online. Unofficial websites may overcharge.
It’s illegal to drive if you can’t read a number plate from 20 metres away. If you can do so in glasses, you must wear them to drive. Not wearing your glasses or wearing glasses with the wrong prescription could invalidate your car insurance.
Take advantage of your free NHS eye test to check you have the right prescription.
You must tell the DVLA about medical conditions that could affect your driving. You don’t need to tell them about all conditions, just those on the GOV.UK list of health conditions that may affect your driving.
Having one of the conditions on the list doesn’t automatically stop you from driving. You might need to take a driving assessment to check you’re safe to drive.
Failing to declare medical conditions to the DVLA could invalidate your insurance policy. If you have an accident because of your condition, you could face a fine of up to £1,000 or imprisonment.
Unless the DVLA restricts your driving or removes your licence, there’s no need to tell us about any medical conditions. You can continue to enjoy driving, protected by our car insurance for over 70s.
It’s probably been a while since you passed your driving test. If you’re concerned about your safety on the road or want to take a refresher, you could arrange a driving assessment course.
Organisations, including RoSPA and the IAM, provide driver assessments. In these assessments, you drive your own car for an hour around an area you know. Afterwards, you get a report and advice on how you can improve your skills and drive more safely.
Driver assessments aren’t tests. They check your driving and can help you make changes to be safer on the roads.
If you lose confidence in your driving after an accident or for any reason, we can help you arrange up to 4 hours of driver confidence coaching with an instructor of your choice. Driver confidence courses are available to customers with legal protection, which is included as standard in Saga Plus cover or optional with other types of Saga cover.
There's plenty to explore and learn about our car insurance cover.