Older drivers may have ‘less choice’ over car insurance policies (Image: Getty)
Older drivers above the age of 70 will have “less choice” over policies than younger road users, according to experts. Connor Campbell, an expert at Independent Advisor Car Insurance, previously on policies with
He warned the cut-off date tends to be between 70 and 80 years of age, in a major blow to older drivers. It could leave older motorists and will likely see those later in life paying more than many younger individuals. Connor first made the assessment last summer but the advice still holds true today.
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Firms may set ‘age limits’ on some car insurance products (Image: Getty)
Connor said: “Legally, there is no maximum age limit for car insurance as long as you’re still fit and healthy enough to drive.
“So in your 70s and beyond, there will be a car insurance policy out there that will allow you to maintain your independence and stay on the road. You may have slightly less choice, however.
“While most car insurance providers don’t impose an age limit on their policies, some do. This will normally be between 70 and 80 years of age.”
Experts at confirmed that insurance firms will and services.
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They said: “Although there is not an official maximum age at which you cannot get insured, insurance providers will set their own age limits for which they are willing to offer car insurance. This limit will vary between insurance providers so make sure you check with your own individual insurance providers so that you can get covered.”
stressed that premiums can be higher for certain older drivers
They warn elderly road users may find that vision, hearing and reaction times may decline which are key skills for staying safe behind the wheel.
Budget said this would “naturally raise concern for insurance providers” when compared to younger road users.
However, they stressed older drivers who prove their competence through having a clean licence or taking a driving assessment could still make savings,
Budget said: “How does this affect car insurance for the senior drivers? Well, some insurance companies may increase their premiums for older drivers due to the perceived heightened risk. Yet, others may offer discounts to seniors who can prove they’re still safe behind the wheel.”