Over 50s Car Insurance

You can take out Car Insurance as long as you are and feel fit enough to drive. We have used our expertise and research into the needs of older people and selected LV= to provide Car Insurance suitable for our customers. LV= cover provides car insurance up to the age of 110.

Younger named drivers can be included on the policy, subject to acceptance by our insurer, LV=.

​Yes, there are two ways to do this with LV=. You can either take out a multi-car insurance policy, or you can take out two separate car insurance policies. If you choose our multi car insurance, you can insure up to 6 vehicles on one policy, as long as they’re registered to the same address.

If you need to add another vehicle to your policy temporarily, you'll need to call LV= for a quote on 0330 678 5226

Lines Open:

• 8am - 8pm Monday to Friday
• 9am - 5pm Saturday and Bank Holidays
• 10am - 4pm Sunday 

Calls may be recorded. For Text Phone first dial 18001

No claim discount (NCD), also known as a No Claim Bonus, is a discount on your car insurance premium that your insurer may offer as a reward for not having made a claim against your policy. Typically, you earn one year of NCD for every year you don't make a claim on your car insurance. If you have more than 4 years of NCD, you can protect them by adding Protected No Claim Discount (PNCD) as an optional extra to your policy. Find out more about NCD here.

If you have nine or more years no claim discount (NCD), you’ll be able to secure the maximum discount when taking out a new Car Insurance policy.  

No. If you have taken out an LV= policy through Age UK Trading, windscreen claims won’t affect your no claim discount.

For example, if you get a chip in your windscreen and it needs to be repaired.

Yes, you can add Protected No Claim Discount (PNCD) as an Optional Extra to your policy. That way, if you make a claim on your policy (and LV= can't recover their costs from the person or people who are at fault) your NCD won’t be lost or reduced.

Having pre-existing medical conditions should not affect your quote, but UK law requires you to report certain conditions to the Driver and Vehicle Licensing Agency (DVLA) and, if they deem you to be unfit for driving, you will be refused cover.

Legally, you must be able to read a car number plate from 20 metres away to be able to drive, so it is advised to schedule regular eye tests to ensure your vision is at its best. You can schedule an eye test at the opticians. It is your responsibility to notify your insurance provider of any changes to your medical conditions that the DVLA need to be aware of, to ensure you are still covered under an existing policy.

You don’t necessarily have to disclose a medical condition to your insurance provider. However, you are required by law to declare any conditions that affect your driving to the Driver and Vehicle Licensing Agency (DVLA). Here are a few examples of conditions you may need to alert the DVLA about:

• Epilepsy
• Strokes
• Some cancers
• Heart condition
• Hearing issues (only if you drive a bus, coach, or lorry)
• Eyesight issues

Click here for more information.

If you’re long-sighted, short sighted, or colour blind, you won’t need to disclose this to your car insurance provider. But you must tell DVLA if you’ve got any other problem with your eyesight that affects both of your eyes, or the remaining eye if you only have one eye. It is also a legal requirement that you wear glasses or contact lenses, if these have been prescribed.

No, you do not need to disclose whether you wear glasses to your car insurance provider. However, you are legally required to wear glasses or contact lenses while driving, if these have been prescribed. Failure to do so could mean you face prosecution. You may also invalidate your car insurance, which will mean you can’t make a claim, should you get into an accident.

No, you are not required to undergo a health check before getting an over 50s car insurance quote. However, if you have a medical condition that may affect your driving, you are legally required to alert the DVLA. Should your driving licence be revoked or suspended, you will then need to inform your insurance provider.

Yes, you can add Motor Breakdown cover as an Optional Extra to your policy. Motor Breakdown is provided by Britannia Rescue.

Yes, you can take out Motor Legal cover as an Optional Extra to your policy. Motor Legal cover protects you from the potential costs of legal action (up to £100,000) if you're involved in a car accident.

You can use Motor Legal cover to help you in a number of situations including:

• Taking action against a road user
• Defending yourself against a motoring prosecution
• Recovering any uninsured losses like personal injury compensation
• Loss of earnings or hire car costs while your vehicle is being fixed

If you are not currently using your car, or if you keep it laid up in a garage during the winter months, you can inform the Driver and Vehicle Licensing Agency (DVLA) and obtain a Statutory Off Road Notice (SORN). Vehicles with a SORN are not required to be insured while they remain off the road. It is important to note, however, that you could lose your No Claim Discount if you do not maintain a car insurance policy in your name for more than two years.

Defaqto are a UK leading independent financial information business. The Car Insurance available through us is provided by LV= and has been given a 5 Star Rating.

You should always reach out to your car insurance provider if your personal circumstances have changed. In the case of retirement, you may even find the cost of your policy goes down, if it means you plan on driving less. Of course, occupation is just one factor that goes into determining the cost of your car insurance. Retirement may not make any changes to your policy, but it’s good practice to be open with your insurer.

There will be age limits in place for many car insurance products, including breakdown cover. These limits vary from provider to provider. At Age UK Trading, breakdown cover is provided by Britannia Rescue, which covers drivers up to the age of 110. However, all drivers will be subject to our provider’s Terms and Conditions and some vehicles may be excluded.

Typically car insurance is cheapest for those in their 50s and 60s, owing to the fact that these are often drivers with decades of driving history and experience. Over 75s might begin to pay a bit more and over 80s will usually have higher premiums. There are a lot more factors besides age that determine how much you pay for your car insurance. Read about how car insurance premiums are calculated here for more information.

The answer to this question will ultimately depend on your personal circumstances as these determine the type of car insurance that is best suited to your needs. This applies both to cover level and Optional Extras. Our guide comparing comprehensive with third party cover might be helpful in understanding which cover level is best for you. We believe that the Car Insurance available through Age UK Trading fulfils the needs of the over 50s.

The easiest way to get an Over 50s Car Insurance quote is to get an online or telephone quote depending on what you prefer. Find out how to get in touch for a quote here.

Insurers are not permitted to discriminate based on gender. Your gender will therefore not determine your car insurance premium. This is determined by your driving history and length of driving  among other factors. Read more about how your car insurance premium is calculated here.

Yes, new drivers over 50 can get car insurance. You may find that your premium is higher because you don’t have a driving history, however you should be able to get the cover that you require despite being a new driver.

You can pay by debit or credit card or by monthly or annual direct debit, provided you meet the affordability checks. If you need to speak about other ways to pay, please contact the team at LV=.

Auto-renewal can offer you peace of mind that your insurance will remain in place when it comes to your renewal.

When you give your consent to auto-renew your policy, LV= will issue your renewal documents, which will include details of your cover and any associated costs and inform you that the policy will auto-renew without any need for you to make contact and confirm.

The consent will remain in force unless you change it, which you can do at any time, or if the policy is cancelled.

You'll automatically have an account if you saved a quote or if you chose to sign up after buying a policy. Visit www.lv.com/ageco/car-insurance to log in to your account or set up a new one.

Your saved car insurance quotes are valid until the cover start date. You'll still be able to view them in your account after that point, but you won't be able to buy them. Simply start a new quote if your old one’s no longer valid.

When you saved your quote, you should have received an email from LV= with details of your quote and how to access it again. If the email isn't in your inbox, please check your spam or junk folders in case it's in there. If you still can't find it, you can re-set your password in My Account by clicking ‘Login’ and then the ‘I’ve forgotten my password’ link on the following page.

Understanding our customers and their needs has always informed the products we offer and who we work with to provide them. By choosing LV=, we will be continuing to work with a partner that shares our values and dedication to customers enjoying their later life.​

LV= is a leading insurance business offering a range of general insurance products. They are proud to be one of the UK’s largest personal lines insurers. Throughout their 180 year history, they have put people and customers at the heart of everything they do.

We have selected Britannia Rescue to provide Motor Breakdown cover to our customers. With their 42 year history, they have put their people and customers at the heart of everything they do. Britannia Rescue is there for customers 24/7, 365 days a year and has 4,000 breakdown professionals across the UK.

Underwritten by Liverpool Victoria Insurance Company (LVIC).