Car insurance for over 50s - what you should know
Whether you're hunting for a better deal or just browsing your options, you may wonder whether your experience on the road could drive you towards a deal on your car insurance.
And while we don't offer a separate insurance product specifically for those over 50, both our levels of cover under our Aviva Signature car insurance product take your experience into consideration.
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.
Five steps to help keep costs low
Here are five steps to help you find or maintain a lower premium when exploring car insurance for over-50s.
- 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 an inexperienced driver could lower their premium, but it may also raise yours. Avoid the risk of insurance fronting - claiming to be the main driver when you're not. This is illegal and can have serious consequences. Read our article on fronting car insurance to find out more.
- Pay in full – paying your car insurance annually in a single payment, rather than in monthly installments, could help lower the overall cost.
What's covered with Aviva Signature car insurance?
You’ll pick between two levels of cover for your vehicle, Comprehensive or Third Party, Fire and Theft. Here’s what each includes:
| 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 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 the other driver’s name, contact details and their vehicle registration number | 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 and Theft 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 owner has given you express consent. 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 £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 | ||
| Tyres Any punctures, cuts or bursts – even if they’re caused by braking |
Boost your insurance with our optional add-ons
You can customise your cover to suit your specific needs. As you progress through your quote, you’ll have the option to include additional features, with the associated costs clearly displayed. Before finalising your purchase, you’ll be able to review and confirm which extras you’d like.
Protect your no claim discount
Motor legal services
Courtesy car
Motor Injury Protection Plus
UK Breakdown cover
European use
What do I need to get a car insurance quote if I'm over 50?
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 licence, driving history, convictions, claims, employment.
- Additional drivers – information on any additional drivers to be covered.
- Modifications – any existing changes to your car or any you'd like to make in the future.
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 (89.4 KB)
Car Insurance Product Information Document
PDF (84.6 KB)
Aviva Signature Motor Insurance Policy
PDF (477.3 KB)
Motor cover limits
PDF (138.3 KB)
motoring-in-europe.pdf
PDF (262.7 KB)
Breakdown Cover terms and conditions
PDF (235.8 KB)
About our Insurance services
PDF (31.6 KB)