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To save on car insurance as you age, have you considered breaking away from your traditional annual insurance policy and exploring pay-as-you-go car insurance, enabling you to pay less if you only use your car a few times per week or less? MultiQuoteTime has partnered with Quotezone.co.uk to help you explore different types of car insurance!

The quote comparison tool will enable you to compare 120+ leading UK car insurance providers. The results can be easily filtered using intuitive filters to let you home in on the quotes that meet your individual requirements.

LV= Now Offering Over 80s Car Insurance

Times are a-changing with LV= insurance company, formerly known as Liverpool Victoria, joining a growing number of insurance providers to have now scrapped the upper age limit, which was set at 86. They were one of the first companies to take the lead when it comes to senior travel insurance, being also one of the first to remove age limits on travel cover. The success of that move was one of the driving factors in persuading LV= to review their upper age limit on car insurance. This is good news, especially for existing customers who were being denied cover when they had reached age 67, which, in my view, is unfair and also prevalent in the health insurance sector. Speaking about the decision to remove the upper age limit on their motor insurance policies, LV= managing director John O’Roarke, revealed that LV= decided to remove the upper age limit on their car insurance policies as they realised that the UK population is living longer and a huge demand did indeed exist for this product. Like car insurance, Motorhome insurance for over 80s is also a product that is in demand. Overall, more insurance companies are now providing cover for overs 80s or are considering it. At the moment the number of companies that provide cover for the elderly now include Saga, RIAS, the AA and Virgin Money, who offer car insurance for older drivers.

When you are looking for car insurance cover as you get older, remember that there is no maximum legal driving age in the UK. Unfortunately, some providers do impose an upper age limit, but we will focus on those that do not penalise older drivers and how you can make savings on 80s car insurance.

How To Get Cheaper Over 80 Car Insurance?

Whilst your risk profile may result in increased premiums, you can take other steps to lower the final premium cost. We list some steps that you may be viable to keep car insurance for over 60s and beyond within your budget.

Keep mileage low. For an insurance provider, low mileage means less time on the road, meaning less risk of an accident and a claim. This should be achievable, as now that you are retired, you no longer have to commute to work back and forth every day.
Secure your vehicle. Make sure you have an alarm or immobiliser and if you can keep your car securely parked overnight on your driveway, for example, this will help reduce it further. These mean you are less likely to claim for theft or vandalism.
Pay the car insurance annually. Monthly payments are popular, but most providers will charge extra for this privilege
Increase the voluntary excess. This may seem a bit frustrating, but if you are a confident and careful driver, then ideally you will be avoiding any collisions and claims on the insurance, so you won’t be paying this higher excess anyway! This option also makes your overall policy cost cheaper.
Car Insurance Group : Are you driving a car in one of the higher-risk groups? Change to a car that sits in a lower insurance group, for example car insurance group 7. Doing so will result in a cheaper car insurance premium.

Does Car Insurance Go Down When You Retire?

Retirement can affect your premiums if you change the primary use of your car from ‘commute’ to ‘social’ or ‘pleasure’. Naturally, when you change this your mileage annually should drop too, and sometimes you can qualify for low mileage discounts that some insurance providers offer. Some insurance companies may offer a senior discount too, which can be up to 10% off your premiums.

Motorhome Insurance For Over 80’s

When it comes to finding motorhome insurance for over 80s, the good news is that you will find most providers of campervan insurance are not as restrictive when it comes to providing insurance cover for motorhomes for the over 80s.

Other Car Insurance Options For Over 80s

Another option is to consider temporary insurance or a pay-as-you-use model. Most providers of temporary car insurance cap the upper age limit to 70 or 75, but this could change in the future as they realise they are losing out on the over 80s car insurance marketplace. We have listed the key providers of temporary insurance and advise checking their existing terms for changes to upper age limits. If you live in Northern Ireland, temporary car insurance NI is available with Goshorty,

What is the cheapest car insurance for senior citizens?

According to a survey by Which, the following companies came back as best for focusing on the older driver. Here they are:

Saga. The minimum age is 50, so if you are over 80 you will be eligible. It also stands out as it will offer in your yearly premium a full year’s worth of cover overseas. So if you still like a weekend away in the car, perhaps in France via the Dover to Calais car ferry, this one could be right up your street.
The Post Office. The minimum age is 50, it offers as standard coverage for any windscreen or window damage and lost keys cover. Which, even if you still have a strong memory, it’s still a handy cover to have included as standard.
Hastings Direct are also able to offer car insurance to senior drivers.
LV Car insurance for over 80’s

These are just four, but there are other companies out there that will offer car insurance without any age limit, it is always wise no matter what your age to use a comparison website to shop around and find the most cost-effective deal for you.

Get Quotes Now For Senior Car Insurance

As our company name suggests, we can provide multiple quotes. These quotes are provided by a panel of car insurance providers selected by SEPOA. The panel is able and willing to provide seniors with car insurance, regardless of age. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!

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Over 80s Car Insurance FAQ’s

Does car insurance increase at 80?

The main increase tends to be, on average, at age 70, but it will also gradually increase as you get older. The good news is that it will never reach the levels that young drivers have to pay for car insurance.

What is the cheapest car insurance for seniors?

Insurance providers will base their insurance premiums on the risk profile of the driver and the car insurance category. The best advice for seniors searching for a cheap insurance quote is to shop around and take proactive steps to lower your insurance risk profile. See the article entitled “How to Save on Over-80’s Car Insurance“.

Why is car insurance more expensive for seniors?

As we age, human response times, in general, will slow, making car accidents more likely. This is statistically proven, with drivers of advanced age causing a disproportionate number of avoidable accidents.

Will a medical condition affect the cost of my car insurance?

After age 70 you will need to renew your licence every 3 years. Don’t worry, the DVL will send you a D46P application form 90 days before your 70th birthday, and then every three years afterwards. Please note, the DVLA can take up to 3 weeks to process a postal application. When completing the application, you will be asked to declare any medical conditions you have and confirm that you meet the eyesight standards for driving. The DVLA suggests getting a medical check before renewing, as failure to disclose could result in a hefty fine and possible prosecution. Depending on the medical condition, it can have an impact on the cost of renewal.

Will pre-existing medical conditions affect the cost of my car insurance?

Yes these can and do impact the cost of insurance for older citizens, some examples include visual impairments, a history of strokes, or cognitive impairments, Please note that you must declare pre-existing conditions, failure to disclose them could result in policy nullification during a claim.

Other Ways to lower costs of car insurance when over 80’s

We have covered the key areas of how improving security and driving a car in a low insurance group can help reduce the cost of car insurance, but other approaches do exist. Two examples that would benefit occasional users include a limited miles policy or a pay-as-you-use policy. Car sharing is also growing in popularity and may be something to consider

Which age group benefits from cheaper insurance

According to The Association of British Insurers (ABI) those aged 66 to 70 tend to have the lowest overall car insurance premiums.

Insurance guides for Over 80s:

Over 80’s Home Insurance

Motorhome insurance for over 80s

How over 80’s can save on car insurance

LV now offering car insurance for over 80s

*51% of consumers could save £515.24 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Updated: 21 March 2025
Reviewed by Eamonn Turley Insurance Expert