CAR INSURANCE FOR OVER 80s

Why choose Saga car insurance for over 80s drivers?

Saga Standard, Saga Select and Saga Plus policies are designed with car insurance for over 80s in mind. Our policies offer several key benefits designed to appeal especially to more mature drivers:

With Saga Plus policies you can:

What does over 80s car insurance cover?

The best car insurance for over 80s covers the same as car insurance policies for any other age group and varies based on how much cover you need. Over 80s car insurance comes in three different types:

Third Party - covers damage to a third party, whether that’s another vehicle, a building or person, but not the cost of repairing or replacing your car.

Third Party, Fire and Theft - third party, plus cover for your vehicle following fire or theft.

Comprehensive - covers damage to your car and any passengers, someone else’s car and its occupants, belongings inside your car, vandalism, and may give you a courtesy car if yours can’t be used due to an accident.

The legal minimum insurance you need to drive your car in the UK is Third Party, but many people find that Comprehensive cover gives the greatest reassurance.

Saga offer three different levels of over 80s car insurance cover, Saga Plus, Saga Select and Saga Standard, each with the same great Saga service so you can choose the most suitable policy for your needs and budget.

Find out more about the best car insurance for over 80s for your needs

Is there a maximum age for car insurance?

While some providers will insure drivers between fixed ages and have an upper limit of 80, Saga car insurance policies do not have a maximum age limit.

As long as you’re well enough to drive and not affected by any DVLA-listed medical conditions, we’ll continue to provide you with over 80s car insurance, subject to our usual terms and conditions. And with no upper limits in place, we can offer car insurance for drivers over 85 and beyond.

Will my health affect me getting car insurance over 80s?

If you’re medically fit to drive, then most health issues shouldn’t affect your eligibility for car insurance for over 80s. We don’t usually need to know about any health issue or medical condition, as long as the DVLA have not restricted or removed your licence.

Check if your health condition will affect your driving or tell DVLA about a medical condition.

Should I inform the DVLA if I decide to stop driving?

There isn’t an upper age limit that stops you driving, but if you are advised by a doctor, or you decide the time is right for you to stop driving, you’ll need to tell DVLA and send them your licence.

If you’re worried about whether you continue to be fit to drive, you can speak to your GP. If you’re starting to feel less confident on the road, you could consider taking a driver confidence course that will help you assess whether the time has come for you to stop driving.

Organisations, including RoSPA and the IAM, provide a driver assessment, not a test, as a way to check your driving ability and make changes to the way you drive so you can be safer on the roads.

Customers who have Legal Protection with us – included as standard with our Saga Plus cover level, or optional with other cover levels – can access up to four hours of driver confidence coaching to help you get back on the road.