Over 50’s Car Insurance: Compare insurance deals for drivers aged over 50

Find and compare motor and car insurance quotes for car owners over 50, seniors in their 60’s and 70’s or just drivers of any age with pre-existing medical health conditions or disabled drivers with non-standard, Mobility or specially adapted vehicles.

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Motor Insurance for those over 50 with pre-existing medical conditions, disabilities or visual impairment

The independence and freedom that your car gives you become ever more important in later years.  As a long-standing and experienced driver, you want to be able to stay mobile but your insurance policy might need to reflect changing health situations and certain illnesses and conditions.  

Around 10% of the 35 million licence holders registered with DVLA in the UK are disabled with just over 2 million blue badge holders nationwide.  Age and a change in health status do not have to be a bar to motoring.

Find and compare the best motor insurance policies here for drivers whatever your health status.  We can help you source the fully comprehensive cover you want with a range of additional features designed to cater to the older motorist and reflect your specific circumstances.

Find and compare the best car insurance policies here for drivers aged over 55, senior drivers with pre-existing medical conditions or people with disabled status.

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Car insurance cover in your 50’s, 60s, 70s and 80s explained

As you grow older, your desire to drive may remain undiminished but advancing years can mean your insurance policy needs to be tailored to reflect health conditions and possible mobility issues. Advances in both medical care and car design mean that older people are staying on the road for longer than ever before.

  • Who is the cover for?

    Discuss with your insurer cover for your carer or personal assistant who may be the driver on occasion or all the time. You will still be the policyholder and the underwriters will assess risk and premium based on your status and circumstances. Your carer or assistance will be added to the policy as a named driver.

  • Check the excess.

    Check the excess carefully which, as with new drivers, can be steep at either end of the age spectrum.

  • No claims bonus protection.

    Find out whether you can protect your ‘no claims’ status as premiums can hike significantly if you do have to make a claim.

    Also, ask whether the protection is affected if you have a gap in your driving history either whilst you are on risk with them or at a point in time before the cover commenced. Some older drivers have periods of time when they are not behind the wheel due to health issues or other circumstances.

  • Cover for use of your car in the European Union

    A customised mobility vehicle can give you access to foreign travel which trains, planes and buses may not. Check whether your cover allows you to drive abroad and if there is any restriction on destinations or a set number of days in the policy year.

  • Does the cover include specific equipment?

    The cover may need to extend to the specialist equipment you carry with you such as a motorised wheelchair and access ramp which could be damaged in the event of an accident.

  • Vehicle modifications.

    Check out whether vehicle modifications are covered by your insurer.

    Vehicle customisation can sometimes inadvertently fall foul of policy conditions aimed at the youth market.

What to look out for: “must have” features for car insurance

Here are some key policy features to consider when you are looking for a policy in addition to the standard provision of fully comprehensive cover:

  • Courtesy car

    Establish whether there is any flexibility on the type of courtesy car under the policy. The standard offering is usually a small manual car but you may need a larger vehicle, an automatic or even the provision of taxis if your own car has been modified.

    Some insurers will endeavour to provide adapted vehicles where they can. Ask the insurer how long the courtesy car or alternative transport is provided for. To repair or replace your vehicle if it requires modifying can take months rather than weeks.

  • Discounts for Blue Badge holders

    Some insurers provide a discount if you are a Blue Badge holder.

  • Replacement vehicle in the event of a write-off.

    Ascertain whether the insurers will supply a new vehicle and also pay for your tailored modifications in the event your vehicle is written off.

  • Lost key protection.

    Some insurers cover replacement keys and locks following the loss or theft of your car keys.

  • Excess and motor legal protection cover.

    Have your excess protected in the event of certain types of claims and have all of your legal expenses covered (up to around £100,000 most policies) in the event of an accident.

  • Other features.

    Look for other useful features including: Motor Legal Protection, Breakdown Cover, Car Hire Benefit, Personal Injury Cover and Misfuelling Insurance.

Best car insurance companies for the over 50’s?

We have a number of insurers we recommend including AXA, Saga, Aviva, Swinton, AgeCo and the Co-op plus many more.

When looking for cover, remember to disclose all your medical history and discuss any modifications to your vehicle. Here is a look at some specific providers.


Top Car Insurance Deal Providers

We’ve carefully reviewed car insurance providers that all understand, and cater for drivers over the age of 50 or who may have varying types of pre-existing medical conditions. When looking for cover, remember to disclose all your medical history and discuss any modifications to your vehicle.

 

Click “Quote” to start the quote process with one of our recommended providers, or scroll down to read more information on their individual policies.

Provider
Maximum Age
Medical?
PolicyClever Rating*
Quote
AXA

No age limit

Yes

Admiral

79

Yes

Co-Op

No age limit

Yes

Swinton

100

Yes

AgeCo

No Age Limit

Yes

Carole Nash

69

Yes

 

*Ratings data is based on aggregated review scores provided by Defaqto, Trustpilot, Feefo, Reviews.co.uk and Which.co.uk.

Car Insurance Policy Comparison

We’ve carefully reviewed car insurance providers that all understand, and cater for drivers over the age of 50, have a disability or have varying types of pre-existing medical conditions.

When looking for cover, remember to disclose all your medical history and discuss any modifications to your vehicle. Here is a look at some specific providers.

Click “Quote” to get a quote from one of our recomended providers, or scroll down to read more information on individual policies.

AXA
Admiral
Co Op
Swinton
AgeCo
Carole Nash

Best car insurance deals – get quotes and Be Policyclever.

What do our recommended car insurance providers actually offer?

Policy features: AXA

Taking a closer look at AXA’s fully comprehensive Car Insurance policies.

AXA are a very well known and established insurer with a pay out rate on 99.7% of claims. A 24 hours a day car insurer with a Defaqto 5 Star Rating – the highest standard for a car insurance company.

  • A courtesy car is provided while your car is being repaired.

  • Lifetime guarantee on repairs for as long as you own the car.

  • Emergency assistance for recovery of an undriveable vehicle after an accident.


Policy features: Admiral Single and Multi Car Insurance

Taking a closer look at Admiral car insurance for drivers over 50.

Admiral offer cheaper car insurance policies for people over 50.
As they put it; “Many factors have an impact on an insurance quote” and they’re one of the only insurers who are very clear that insurance can be less expensive as an older driver. They quote on criteria such as:

  • Your Experience
  • Lifestyle Choices / Health Conditions
  • Size of car you drive
  • All No Claims Bonus
  • 5 star cover makes Admiral one of the top UK car insurance providers

  • Great features such as windscreen repair; stereo cover and replacement cars provided

  • Admiral are among the cheapest car insurance quote providers in the UK


Policy features: Carole Nash

Taking a closer look at Classic Car and Motorbike insurance from Carole Nash

Carole Nash are the leading motorbike insurance and classic car insurance brokers in the UK, and they have been underwriting motorbike insurance for decades.

Founded in 1985, Carole Nash ahs been helping customers up to the age of 69 find bike insurance or car insurance quotes with access to a trusted panel of some of the UK’s biggest insurance firms.

Carole Nash car and bike insurance policies come with benefits including:

  • UK & European breakdown and accident recovery with a Homestart service.

  • Salvage retention rights – If your classic car is declared a total loss following a claim, you can opt to buy the remaining salvage for repair or breaking.

  • European Cover for up 3 months.

  • Up to £100,000 legal expenses cover.

  • Choose your preferred repairer.

  • Bike insurance: Carole Nash’s DNA+ protection kit.

  • Bike insurance: Up to £100,000 legal expenses cover.

  • Bike insurance: UK and European breakdown cover.



Policy features: Saga

Taking a closer look at Saga’s fully comprehensive cover for the over 50’s

A well-known provider in the over 50s market, Saga provides a really fully comprehensive cover with many options as standard which are extras with other insurers.

  • A fixed priced three-year cover.

    If your circumstances or health don’t alter then neither will your premium, for three years guaranteed. You are not tied in but free to reinsure elsewhere at renewal

  • Emergency ‘any driver’ cover, ideal if you are taken ill or have a minor incident

  • A taxi to complete your journey anywhere in the UK if your car is sufficiently damaged not to be driven without repair

  • Cover for the policyholder to drive in the European Union without any restriction and no additional charges


Policy features: Esure

Taking a closer look at Esure’s Car Insurance policies.

Esure are a leading UK based car, travel and home insurance provider, offering a 5.0 Defaqto rated service.

They have over 2 million customers and service their customers via a UK call centre.

  • A courtesy car is provided while your car is being repaired.

  • Windscreen cover repair or replacement.

  • Motoring legal advice line available 24 hours.


The blue badge scheme explained

The government’s Blue Badge scheme is perceived as being for those with a disability but actually, the criteria are much broader than that.  Access to a Blue Badge is for drivers or passengers with mobility problems sufficient to make using public transport difficult.

If you have had a PIP – Personal Independent Payment – assessment and scored 8 points or more, you may be entitled to a blue badge.  There are other scenarios surrounding limited mobility which will also qualify you for a badge.

The Blue Badge will allow you to park close to your destination anywhere in the UK.  The Blue Badge Scheme is administered by local councils and they will have information on their website or at their offices about how to apply for a badge. Disabled Motoring UK is a charity for disabled motorists – drivers and passengers and Blue Badge holders – with plenty of useful help and support.

 

Consider Motability

The Motability Scheme offers disabled drivers a route to obtaining a vehicle for their driving needs.  You can use your mobility allowances to obtain a new car which you lease and the insurance is included as part of the package.

Motability can prove expensive but has the advantage that your motoring costs are fixed each month with servicing and breakdown cover all included in the price.  The car you choose will be brand new and it can be adapted to suit your specific needs. 

There are eligibility criteria for Motability and you need to receive one of the following to apply: 

  • War Pensioners’ Mobility Supplement (WPMS)
  • Higher Rate Mobility Component of the Daily Living Allowance (HRMC DLA)
  • Enhanced Rate Mobility Component of the Personal Independence Payment (ERMC PIP)
  • Armed Forces Independence Payment (AFIP)

The blue badge scheme explained

The government’s Blue Badge scheme is perceived as being for those with a disability but actually, the criteria are much broader than that.  Access to a Blue Badge is for drivers or passengers with mobility problems sufficient to make using public transport difficult.

If you have had a PIP – Personal Independent Payment – assessment and scored 8 points or more, you may be entitled to a blue badge.  There are other scenarios surrounding limited mobility which will also qualify you for a badge.

The Blue Badge will allow you to park close to your destination anywhere in the UK.  The Blue Badge Scheme is administered by local councils and they will have information on their website or at their offices about how to apply for a badge. Disabled Motoring UK is a charity for disabled motorists – drivers and passengers and Blue Badge holders – with plenty of useful help and support.

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