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CAR INSURANCE FOR OVER 70s

Keep on driving for longer with over 70s
car insurance from Saga

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Enjoy your independence with car insurance for people over 70

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.

Choosing car insurance for over 70s

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 2023, 73% of adults aged 70 and over in England held a driving licence, up from 62% in 2013 and 44% in 2003.

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.

Can over 70s car insurance be cheaper?

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:

Driving a car from a lower insurance group.
Review your voluntary excess.
Ensuring your vehicle is secure.

You might have many years of no claims 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.

What to look for in over 70s car insurance

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.

Saga Plus policies for over 70s include:

2-year fixed price if nothing changes, which means your price stays the same for the first renewal (T&Cs apply).
Onward Taxi Travel Promise 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 claims 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.

Saga Plus and Saga Select policies for over 70s include:

No Claims Discount Protection for 4 or more years of no claims discount against 2 fault claims over 3 years.
Vandalism Promise, which means you won’t lose your no claims 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.
New Car Benefit, 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 one and two years old are covered up to 12,000 miles.
£1,000 personal belongings cover for items, including wheelchairs or other mobility aids.

What over 70s get with Saga Plus, Saga Select and Saga Standard car insurance policies

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 supply us with their vehicle details). This doesn’t affect your no claims discount.
Voluntary work	Your car is insured for voluntary work with registered charities.
Courtesy car	If your car is being repaired after an accident in the UK, we’ll give you a replacement while you use our approved repairers.
Child car seat cover	We replace children’s car seats after an accident, even if there’s no visible damage. Cover is up to £750 with Saga Standard and up to £1,000 with Saga Select.
Driving abroad	You can drive your car in over 30 European countries for as long as you want with Saga Plus (up to 180 days with Saga Select and up to 90 days with Saga Standard).

With Saga’s over 70s car insurance, you can also choose optional extras, including Breakdown cover and Replacement car for theft and total loss, where you get a replacement car if yours has been stolen or written off and a £200 cash benefit.

Who provides Saga Car Insurance?

Saga Car Insurance is arranged and administered by Ageas Retail Limited and underwritten by Ageas Insurance Limited.

Get a quote for over 70s car insurance

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Do I need to renew my driving licence when I reach 70?

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.

Do I meet the eyesight requirements for driving over 70?

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.

Do I need to declare medical conditions to the DVLA?

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.

Should I tell Saga about medical conditions?

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.

Should I take a driving assessment?

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.