Compare over 50s car insurance quotes
Compare quotes in minutes and you could save up to £518*
- Compare quotes from over 120+ UK providers
- You could save up to £518 on car insurance [1]
- Enjoy a year of savings from over 300 brands with MoneySpider Premium Rewards when you purchase a policy [2]
Why compare car insurance
Compare car insurance quotes online and you could start saving today.
You can compare over 50s car insurance from the UK's biggest brands
Register with MoneySpider and join our exclusive rewards club that can save you up to £1,800 a year from over 300 high street brands, including major supermarkets!
Why choose over 50s car insurance?
Specialist policies for drivers aged 50 and over can offer a range of benefits not always included in standard cover. These might include:
More competitive premiums thanks to your driving experience
Optional extras like courtesy cars and breakdown cover
Enhanced customer service designed for older drivers
Flexibility to tailor your policy to how you use your car
Whether you’re still commuting, driving regularly for leisure, or just making the occasional trip, over 50s insurance can provide peace of mind with cover that reflects your needs.
What to consider before choosing over 50s car insurance
It’s worth thinking about how your driving habits may have changed over time. If you’re driving less, you might not need the same level of cover as before. On the other hand, comprehensive policies can often provide excellent value for older drivers, offering full protection at only a slightly higher cost.
You should also check whether additional benefits like European driving cover, no-claims protection, or enhanced breakdown services are worth including for your lifestyle.
Types of over 50s car insurance
This is the minimum legal requirement. It covers liability for injury or damage to other people and property caused by your vehicle.
In addition to third-party coverage, TPFT insurance also covers your vehicle if it’s stolen or damaged by fire.
Comprehensive insurance covers you if you damage your car, somebody else’s car or if you injure somebody in an accident, regardless of who’s at fault. It also covers your vehicle if it’s damaged by fire or stolen.
Telematics insurance involves the use of a black box device installed in your vehicle or a smartphone app to monitor your driving behaviour.
PAYG insurance allows you to pay for coverage only when you’re using your vehicle. It’s often used by occasional drivers and can be a cost-effective option.
Multi-car insurance allows you to cover multiple vehicles and drivers under a single policy.
Temporary car insurance provides coverage for a short duration, typically from one day up to a few months.
If you use your vehicle for business purposes, you may need commercial car insurance.
Factors that affect over 50s car insurance
Driving history
A long, clean record often leads to lower premiums.
Car type
Smaller, safer, and less powerful cars are usually cheaper to insure.
Annual mileage
If you’re driving less after retirement, you may pay less.
Location
Living in an area with low crime and accident rates can reduce costs.
Level of cover
Comprehensive insurance often offers better value for experienced drivers.
Optional extras
Adding breakdown or legal cover may raise your premium.
Enjoy the benefits of over 50s car insurance — compare quotes today
Reaching your 50s often brings driving experience, a safer driving record, and in many cases, lower car insurance premiums. Many insurers recognise that drivers over 50 are typically more careful and less likely to claim, meaning you could benefit from more competitive rates and tailored cover.
At MoneySpider, we make it easy to compare over 50s car insurance quotes, helping you find the protection you need at a price that suits your lifestyle.
Advice for getting the best deal
When comparing over 50s insurance, don’t just focus on price — look at the whole package. A slightly higher premium could give you much better value if it includes the extras you’ll actually use.
You can also help lower your costs by building your no-claims discount, considering a higher voluntary excess, and making sure your car has adequate security features. Shopping around each year ensures you’re not paying more than necessary at renewal.
FAQ
Need more help?
Is over 50s car insurance always cheaper?
Can I still get comprehensive cover at 50 and over?
Will my premium rise as I get older?
Are there policies tailored specifically for over 50s?
Do I need to tell my insurer about health conditions?
Helpful guides & articles
Types of car insurance coverage: what do you really need in the UK
Car insurance is a legal requirement in the United Kingdom, and it’s essential for protecting yourself and others on the
Car insurance discounts: how to save money on your premiums
Car insurance is a necessity for drivers in the United Kingdom, but it can also be a significant expense. Fortunately,
How you could save money on your car insurance
Car insurance is a legal requirement for drivers in the UK, but it doesn’t have to break the bank. With
