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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 scraped 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 limit 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 customer who were being denied cover when they had reached age 67, which in my view is unfair and also prevalent is 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 are 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. 

Tips to Reducing the cost of Car Insurance for Seniors

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, changing to a car that sits in a lower insurance group, 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 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 Which? Latest survey review, the following companies came back as best for focusing on the older driver. Here they are:

  • Saga. 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. 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 in 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!

Don’t have your registration number? No problem, click here

Over 80s Car Insurance FAQ’s

By Eamonn Turley
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Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.


Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team – Fact checked

The team at MultiQuoteTime will fact-check content to ensure accuracy at the time of writing. In addition, we also review and update content on an ongoing basis. We aim to keep the content fresh and useful. If you are considering applying for any of the products, please take note that it is important that you read the terms and conditions that are applicable.

Nov 2024

*51% of consumers could save £523.47 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 August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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