Over 50s car insurance
Cover from our standard car insurance
- Protection if you damage someone else's vehicle or property in an accident
- Choose our optional extras to fit your lifestyle
- Our standard car cover has been given a 5 Star Rating by Defaqto
Is car insurance for over 50s cheaper?
It can be! But car insurance premiums aren’t simply based on your age and how long you’ve cruised the roads. They’re based on your car, its insurance group, your driving history and other factors.
There are perks to being 50 plus, in addition to your brilliant popular culture references, it could mean cheaper car insurance.
Over 50s are sometimes thought to be lower risk drivers who are less likely to make a claim. And this could mean cheaper car insurance from years of driving experience.
How can I try to keep my car insurance costs low?
Here are five tips to help you find or keep a lower premium when exploring car insurance:
- Consider the type of car you drive – the type of car you drive can impact your premium and may be less expensive to insure.
- Make mileage matter – check how much you’re driving based on your mileage. Often, the lower the mileage, the less money out of your pocket.
- Park safely – you may be able to get lower premiums if you park your car in a drive or garage rather than on the road overnight.
- Be careful with additional drivers – putting yourself on a policy for a young, inexperienced driver may lower their premium. But it could also raise yours. More importantly, make sure you're not in danger of 'insurance fronting,' or declaring you're a main driver when you're not. Check out our article fronting car insurance: the consequences to find out more.
- Pay in full – it may help reduce the price of your car insurance if you can afford to pay the amount in full annually rather than monthly.
What’s covered by car insurance
Pick between two levels of cover for each car. Our Third party, fire and theft insurance covers less but still gives several notches more protection than the basic ‘third party’ cover everyone needs to drive in the UK. Our comprehensive insurance offers robust coverage, including the costs of damage to your own car or van, such as in the event of an accident.
Here we’ve listed out how each type covers you – and how much for, where there’s a limit on what we’ll pay out.
| Comprehensive Car | Third Party Fire and Theft | |
|---|---|---|
| Loss or damage Money towards a new vehicle if someone steals yours, or we'll arrange and pay for repairs if they're needed after an accident or fire Footnote [1] | Included The market value of your vehicle | Included The market value of your vehicle Fire and Theft only |
| What you owe others If you injure someone, damage their vehicle or wreck their property in an accident, we’ll pay to put it right | Included | Included |
| Uninsured driver cover If your vehicle is involved in an accident caused by an uninsured motorist, we'll refund any excess you've paid. You’ll need to provide us with details of the other vehicle and driver. | Included | Not included |
| Vehicle recovery If your vehicle’s in no shape to drive after an accident or fire, we’ll deliver it to one of our approved garages. We'll take you and your passengers home, get you where you're going, or pay up to £500 towards the cost of an overnight stay or public transport. Geographical restrictions apply | Included | Included Fire only |
| Driving other cars Cover for driving someone else’s car if you’re 25 or over at the start of the policy, you're the vehicle policyholder and the vehicle's owner has given you the green light. It covers any third party costs, but not repairs to the vehicle | Included | Not included |
| Legal costs We’ll put an amount towards any legal fees that might come about if you’re in an accident that you’re legally liable for | Included | Included |
| Motor injury protection Cover for you, your partner or named drivers in case of serious injury or death from a road accident | Included Up to £5,000 per person, per policy year | Not included |
| Individual no claim discount Build up a discount for each vehicle you insure on your policy when you steer clear of claims | Included | Included |
| Hang on to your no claim discount If you claim for loss or damage through no fault of your own – such as in chance meetings with potholes, storms, flooding or animals – you’ll not wave goodbye to your no claim discount | Included | Not included |
| Electrical breakdown Should you have glitches with your on-board computers, and any other electrical parts | Not included | Not included |
| Tyres Any punctures, cuts or bursts – even if they’re caused by braking | Not included | Not included |
What are the optional extras?
Fine tune your cover so that it fits like a tailored jacket. Stitch in these extras as you go through your quote, which will show your price for any you choose. You’ll have the chance to decide if you want to keep them or not before you go ahead and pay for your cover.
Protect your no claim discount
Motor legal services
Courtesy car
Extra motor injury protection
UK breakdown cover
European use
What do I need to get cover for a car insurance quote?
To make getting your quote for your car insurance easier, make sure to have this information on hand:
- Your basic details – name, date of birth, address, email, and phone number.
- Vehicle details – registration number, how many miles you expect the vehicle to drive in the next year, modification, how you’ll use the vehicle, and when you need the cover to start
- Driver details – driving license, driving history, convictions, claims, employment
- Additional drivers – information on any additional drivers to be covered
- Modifications – any modifications you’d like to make to your car.
Get a quote
Once you’re ready with your information, get your car insurance quote.
Important documents
If you already have insurance with us, you'll find the documents for your policy in MyAviva.
Car Insurance Important Information Document
PDF (80.6 KB)
Car Insurance Product Information Document
PDF (77.2 KB)
Motor Insurance Policy wording
PDF (378.5 KB)
Motor cover limits
PDF (138.3 KB)
Motoring in Europe
PDF (254.6 KB)
Breakdown Cover terms and conditions
PDF (235.8 KB)
About our Insurance services
PDF (31.6 KB)