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When you have years of safe driving experience under your belt, you know what you’re looking for when it comes to car insurance. Our car insurance policies cater to most needs.
Saga’s over 50s car insurance is designed to offer the right levels of cover for you and your car, with the full range of benefits you’d expect.
Over 50s are considered one of the safest groups of drivers on the road.
In 2022, Department for Transport statistics highlighted that car drivers aged 50-59 were involved in just 12% of reported road accidents in the UK. So, when it comes to car insurance for drivers over 50, UK insurers can offer premiums based on statistical evidence.
However, ensuring you have the right cover is more important than getting cheap car insurance. Even though targeted over 50s car insurance may not always be the most affordable option, the benefits can mean these policies are worth considering.
Remember, it’s always worth checking policy details to make sure you’re getting the best over 50s car insurance for you.
When you turn 50, it’s possible that your car insurance price can start to decrease, especially if you have several years of safe experience on the road. If you’ve not made any claims during your years of driving, it can result in cheaper policies.
However, a strong claims history doesn’t necessarily guarantee lower insurance premiums. Other factors such as car modifications, mileage and location can impact costs.
Drivers over 50 generally are considered a sound group to insure as they are likely to:
Buying over 50s car insurance from a specialist provider like Saga offers added benefits.
Age and driving experience help keep premium costs affordable, and specific benefits can include:
What your over-50s car insurance policy includes depends on how much coverage you need. Drivers have three options:
In the UK, you must have at least third-party insurance by law. Many drivers find Comprehensive car insurance offers extra peace of mind.
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As well as the standard insurance benefits that come with Saga’s over 50s car insurance, we also offer a range of options for additional cover, including:
Our Comprehensive policies include a replacement car as standard if an approved repairer is repairing your car following an accident in the UK. For an additional cost we can also offer you a replacement car if yours is stolen or written off - keeping you mobile and giving you time to find and purchase a new vehicle.
Our Comprehensive policies include £5,000 compensation for selected serious injuries as standard. Increased Personal Accident extends cover for a wider range of serious injuries or accidental death from £5,000 up to £150,000 per person, as well as cover for smaller injuries.
Although it’s unlikely you'll ever need to make a claim, if the worst does happen the benefit paid out could be substantial and help to compensate for things like loss of earnings, making adjustments to your home, or even just to help paying for things like taxis to medical appointments.
Included as standard with Saga Plus and an optional extra for Saga Select and Saga Standard, we'll cover up to £2,500 per claim and, with us, you even get up to £250 for wear and tear. You won't have to pay an excess and your No Claim Discount won't be affected.
Comes as standard with our Saga Plus cover level, but can also be added to a Saga Select or Saga Standard policy as an optional extra at any time.
To keep you on the road, we have the option of five different levels of breakdown cover. So you'll be able to find cover that is right for you.
Read all the details about our additional cover options.
You don’t need to have a health check to take out over 50s car insurance. However, if you have an existing medical condition that affects your driving you must declare it to the DVLA and to your insurance provider.
You can check if you have a condition that needs to be reported on the DVLA website. You can be fined up to £1,000 if you do not report a medical condition that affects your driving.
Age and driving experience are big factors in determining the best car insurance for over 50s. In addition, there are a number of things you can do to ensure you benefit when it comes to searching for cheap car insurance for over 50s.
Find out more. Get a Saga over 50s car insurance quote online.
You’ll need to be over 50 to qualify for our car insurance, but there is no upper age limit. As long as you’re well enough to drive and not affected by any medical conditions that prevent you from driving safely, then we’ll continue to insure you, subject to our usual terms and conditions.
There’s no maximum legal age for driving in the UK, so you’re free to continue driving as long as you are fit enough to do so. You will need to renew your driving licence at 70.
Find out more about car insurance for the over 60s, over 70s and over 80s.
Usually you would expect over 50s car insurance to be lower than for people in higher risk age groups. But there are some factors which would influence the cost of car insurance for those over 50 negatively due to a perceived higher risk, including:
Cheap car insurance for over 50s is not always the best cover, so always check the full details of any policy you are considering to make sure it will meet all your needs.
There’s usually no reason you can’t learn to drive in your 50s. In fact, passing your driving test could open up new opportunities, including more freedom to travel, whether enjoying UK staycations or offering lifts to family.
Driving test pass rates tend to decline with age, but don’t let statistics discourage you. Stay positive, and remember that you’re not too old to learn. Embrace the process, and celebrate each step towards passing your test.
You might have a busier schedule than younger learners, so consider taking an intensive driving course. These condensed programs offer a block of lessons over a couple of weeks, with your theory and driving tests also booked in. You could also seek help from friends and family who drive – invite them to join you in the car for extra practice.
Saga over 50s car insurance is designed specifically for people over 50 and takes into account the risks and rewards specific to your age group.
We are proud to offer five-star treatment every day with Saga Car Insurance – Defaqto 5 Star rated every year since 2013.
There's plenty to explore and learn about our car insurance cover.