Over 50s Car Insurance
Whatever your age, we're here to help you find a car insurance policy that provides you with the exact coverage you're looking for.
Why choose Howden for your Over 50s Car Insurance?
We know, as an insurance broker, that each car policy needs to be as individual as its owner, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your comprehensive car insurance cover.
When it comes to sourcing motor insurance cover for clients over the age of 50, we pride ourselves on doing the heavy lifting, so they don’t have to. Thanks to the collaborative relationships we have with our selected panel of specialist and standard car insurers, we make the process of comparing multiple policies, on your behalf, simple and hassle-free. What’s not to like?
Ultimately though just know, that whether you need to make a claim, purchase a new car policy, or renew an existing one, we’re here to help.
*51% of new car insurance clients saved an average of £195 between Feb 2024 and July 2024. Insurance savings are based on a sample of 3,481 car insurance clients.
Benefits of working with Howden:
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local insurance broker, within your community.
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- We’re right by your side in the event of a claim.
What is Over 50s Car Insurance?
As a driver over 50, you’re likely to have a wealth of experience and a mature approach to driving. Over 50s car insurance is specifically designed to cater to your needs, offering benefits that recognize your driving history and lifestyle.
This type of insurance not only provides the essential protection for your vehicle but also includes features and discounts tailored for more experienced drivers.
Why do over 50s drivers need Car Insurance?
Car insurance provides essential peace of mind for all drivers, including those over 50. With extensive driving experience, you understand that accidents and unexpected events can occur at any time. Comprehensive car cover ensures you are financially protected, allowing you to drive with confidence, knowing that you’re covered in case of an accident, theft, or damage to your vehicle.
What type of Car Insurance do I need?
The type of car insurance you will need as an over 50s driver will depend on the level of cover you’re after. For instance, if you want to be fully protected, you’ll need a more comprehensive insurance package. Below are the different types of insurance we offer:
Fully comprehensive
This is the highest level of protection, designed to keep you as financially unaffected as possible in the event of an accident.
Third party, fire and theft
If your car is stolen or damaged in a fire, you’ll be protected under this cover. A third party’s injuries and vehicle damage with also be covered, but damage to your own car will not.
Third party only
This level of car cover is required as a bare minimum to drive on UK roads. Third Party only protects you if other people are injured or their property is damaged.
It's important to know that the exact details of each of these levels of cover differs for each insurer, meaning the cover you’re looking for may depend on the provider you choose.
Read more about the different types of car insurance via the Howden Blog: The 3 types of car insurance explained
Optional upgrades and enhancements
Your vehicle insurance does not need to come as standard, as insurers will often offer you optional extras you can add to your policy. The most common additional cover options include:
- Courtesy car cover
- Windscreen cover
- Wrong fuel cover
- Cover for lost or stolen keys
- No claims discount protection
- Personal injury cover
- Breakdown cover
Each insurance provider is different – some will charge you to add upgrades to your policy, whilst others offer them free of charge. It’s important that you find out exactly what an insurer does or doesn’t offer before taking out a policy, so you can make sure you can protect yourself however you deem fit.
What isn’t covered?
All insurance providers are different, so knowing exactly what isn’t included in your policy is crucial to ensure you aren't left unexpectedly under-covered.
Most fully comprehensive car insurance policies will not cover you for:
- Driving with an invalid driving license.
- Any damage or injuries caused as a result of the driver being under the influence of drugs or alcohol.
- Theft resulting from carelessness.
- Any general wear or tear.
Speaking to an insurance broker though can help you with comparing your over 50s policy options, as they can source you all the options that meet your criteria and help you find adequate cover.
Other types of cover
We know ordinary over 50s car insurance policies aren’t always enough, and that's why we also offer an array of specialist cover options.
Business use
You’ll need a specialist type of insurance if you’re using your car solely for work.
Classic car cover
Classic car insurance provides specialised coverage that recognises the unique value and needs of vintage and collectible cars.
Short-term
Perhaps you want to borrow someone else’s car? Short-term cover can keep you protected for a temporary period of time.
Telematics / black box
Telematics or black box insurance can be an ideal insurance alternative for young drivers looking to potentially save on their premiums.
Motor Trade
Motor trade insurance policy are designed to protect motor businesses and give them the peace of mind they need in order to be able to operate smoothly.
How can I get a cheaper Car Insurance quote?
Who doesn’t want to know how they can get a cheaper car insurance quote? The good news is, there are ways you can reduce your car insurance premiums, and they are as follows...
Compare your options
It's worthwhile weighing up your options and comparing what different insurers have to offer. Speak to a car insurance broker, who will take your details and source you deals based on your information.
Reduce your annual mileage
The further you drive your car each year, the more likely you are to make a claim, in the eyes of an insurer. So, if you can afford to drive a little less each year, it could reduce your insurance premium.
Keep a clean driving record
Insurance companies often offer lower rates to drivers with a clean driving record, so it's important to drive safely and avoid accidents and traffic violations.
Stay safe and secure
Driving a car equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices may qualify for lower insurance rates. Insurers will also bear in mind where you park your car overnight, as home driveways for example are deemed safer and more secure.
Avoid large engine cars
Looking for a new car? Cars with larger, more powerful engines typically cost more to insure.
We also remind our clients though that the cheapest option may not always be the best option. It's important to weigh the cost and benefits of different policies before choosing car insurance that’s right for you.
Is it cheaper to use a car insurance broker?
It doesn’t have to cost you more to get expert advice and guidance when you’re looking for car cover.
Differently to comparison sites, we offer a personalised, bespoke service which is tailored around getting to know you personally, whilst fully understanding what you’re looking for from a car policy. Moreover, our goal is also to get you our best value car insurance deals available on the market via our panel of insurers. We aim to save you time, money and hassle when comparing cover options.
What else can affect car insurance prices?
Yes, there are ways that you could potentially lower the overall cost of your car insurance premium. However, there are also aspects that can affect your premium price, which are out of your control. Your car insurance premium cost could be influenced by:
Your occupation – insurers deem some jobs riskier than others, influencing insurance premiums.
Your age – younger drivers will typically be charged more than older drivers.
Your car’s insurance group – you’ll pay less if your car is in a lower insurance group.
Where you live – the number of claims made in the area you live in will affect the cost of your premium.
Your driving experience – New drivers are deemed to present a higher risk to insurers, so the more driving experience you have, the better.
Additional drivers –a named driver on your policy could potentially lower a premium, especially if they are an experienced driver with a clean driving record.
What do I need to get a Over 50s Car Insurance quote?
With Howden, it's easy to get your hands on a car insurance quote. All you have to do is provide us with the following information:
- Your personal details – your name, your age, where you live, your job title etc.
- Information about your car – the registration number, its make and model, how old the car is.
- How you’ll intend to use the car – will you be driving the car for pleasure or business? What is your annual mileage?
- Your driving record – we’ll need your driving license number, how long you’ve been driving for, and whether you’ve made any claims in the past.
Looking for a more personalised service? Come visit us in branch or just give us a call and we’ll ask you all the necessary questions before compiling together a quote that’s right for you.
Car Insurance Guides
Interested in finding out more about car insurance products and how they work? Read our Car Insurance Guides, or read some of our articles below which you can find on the Howden Blog!
- Car Insurance Groups [A Complete Guide]
- Car Insurance Group Checker
- Car Tax Checker: check if your car is taxed
- How to check your car insurance expiry date
- When is My Car Insurance Due?
- Car insurance for new drivers: all you need to know
- When’s the best time to renew car insurance?
- Car Insurance Groups [A Complete Guide]
- Car Insurance Group Checker
- What are car insurance occupation categories?
Over 50s Car Insurance FAQs
Can pensioners get cheaper car insurance?
Pensioners can indeed benefit from cheaper car insurance due to their extensive driving experience, lower mileage, and generally lower risk profile. By comparing quotes, taking advantage of discounts, and choosing the right policy, pensioners can secure affordable car insurance that meets their needs.
Does retirement increase car insurance premiums?
Retirement itself does not typically increase car insurance premiums. In fact, retirees may benefit from lower premiums due to reduced driving frequency and extensive driving experience. However, changes in driving habits, health, and insurance needs post-retirement can influence premiums. It’s important to review and compare insurance options to ensure you are getting the best possible rate based on your specific circumstances.
Is over 50s insurance worth it?
Over 50s car insurance can be worth it for many drivers due to its tailored benefits, potential discounts, and specialised coverage options. It often provides a cost-effective way to ensure you have the right protection for your vehicle and driving needs. However, it’s essential to compare options and assess whether the benefits align with your individual circumstances to determine if it’s the best choice for you.
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