How Over 80’s can save on their car insurance
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Drivers over 80 are the most experienced on the road. You still have your independence and as long as your GP and optician thinks you are okay to drive then it can keep giving you a good quality of life. Most insurers do not feel the same though, sadly, many insurers are concerned that drivers aged 76 to 85 are at more risk of collision than younger drivers. The law also is slightly dubious of your skills and will ask that you renew your licence every three years once you hit 70. You can do this online, and it’s completely free of charge, and you don’t have to take another driving test, thankfully! Some keyways to reduce the cost of your car insurance is to do the following:
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
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Other car insurance options for over 80's
Another option is to consider temporary insurance or 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 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,
What is the cheapest car insurance for senior citizens?
According to Which? Latest survey review, two companies came back as best for focusing on the older driver. Here they are:
These are just two, 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.