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Richard_Y

car insurance for 65+ drivers

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I hope this forum is the right place for this - it's not a caravan insurance question as such, so I chose here to post.

I'm due to renew my car insurance soon, me being 65+, clean record, with Volvo V70 and from time to time towing a 5m caravan.

I'm currently with LV= but know there are firms specialising in older and retired drivers. Reviews I found for some, like Rias, are frankly discouraging.

 

We have van insurance & breakdown cover already.

 

Any comments, recommendations, "avoid this  firm like the plague" info, would be most welcome, please.

 

Thank you.

 

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Use comparison sites and then check out the insurers who don't use those sites.

 

No one company is best for any group so individual recommendations are worth little.

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I have just changed to LV. Passed my 65th 10 years ago. As far as I know there is no significance to being 65 years old?

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65 isn’t the issue, some insurers start to crank the premium up at 70. 

 

The best possible advice I can give in regards to insurance insurance is to shop around and NOT just on the comparison websites either.

 

I am currently with LV (65 this year) and they gave me far and away the best deal. Rias were a joke! Nearly twice the LV premium, likewise Saga were not competitive BUT every driver is different so shopping around EVERY year is essential.

 

Andy

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Thanks for these. Sadly comparison websites don't work for me - I still do a little freelance work, and they don't have a category for me. ( A combination of  historical musician and storyteller.) And if we don't disclose all such stuff they get upset.  My wife & I have both had insurers turn us down in the past because music was part of our living, on the assumption that we'd naturally be driving home fuelled by alcohol and drugs at 3 in the morning! Hence my hope for comments here, which have already helped.

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Your other option of course is to get a broker to do all the leg work for you!

 

In the past I have used “A Plan” (Google search will find them) and I was VERY impressed with their service and the deal they found me.

 

Andy

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Hi, i have just changed from Direct Line to LV and i am 71, LV  quoted me £60 less than Direct Line  

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In my experience, any insurance company which claims they give special rates to people in a cetain category (Over-60, railway season ticket holders, house owners, under 6000 miles pa etc) actually charges uncompetitive rates.  They rely on your assuming you are getting a good deal and will look no further.

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In some of the newspapers at the weekend a subsidiary of Age-concern inserted a leaflet for car insurance for oldies.   They stated that more than 10% of their customers paid £180 or less for their annual premium.   The insurance for my second car is due at the end of the month so I gave them a try.     The smallest car imaginable - a Citroen C1; 998cc and 8 years old.   They wanted £650 per annum.  

Then I tried several comparison sites.   For the same policy with Axa the quotes varied by as much as £50.   Finally I  negotiated from Confused.com for £365 however by the time I'd added breakdown and NCP the final figure was £401. 

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I'm an "older" man, retired, ex L.G.V. driver. I ALWAYS shop around at renewal time and, for the last 5 years, AXA has given the best quote for me, even beating their own quote once when I "accidentally" mixed up the quotes which I got from other companies. The worst one, I found, was SAGA. They gave me a fantastic quote when I turned 50 but at renewal the price almost doubled, so I went elsewhere. They have not got anywhere near being the best quote for me since then (I do check) B)

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My insurance is due in a week, did some searching & here's the results,

LV-- 439.30p

More than,-- 660.43p

Age U.K.-- 1,213.60p

As i am with L.V. already......... 

P.S.-- i am 75 & the above is for a fully Comp policy.

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Both of us have been with LV= for years and found them to be competitive, we are both over 70, we also get a discount for being members of CSMA now Boundless, also, our Insurance cover of Fully Comp is extended FOC for Europe

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Thanks all, that's truly helpful. Obviously I'll make some phone calls, but on the strength of this, there are some I'll save making!

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LV seems to give many people a good deal but they're always 50% more than the best when I check them - maybe it's the high Grouping  of my car that puts them off.

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Just now, Black Grouse said:

LV seems to give many people a good deal but they're always 50% more than the best when I check them - maybe it's the high Grouping  of my car that puts them off.

 

Why be so mysterious! Tell us all who gives you such a better deal??

 

Andy

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Hi Richard,

I'm 69 drive a 2 litre Nissan Qashqai+2 automatic 2010 model. I have a clean driving licence with three years no claim. I insure with AVIVA fully comp with a courtesy car if ours is off the road, with my wife who is 62 also as a driver and this year I'm paying £219. I informed them I was towing, and have a towbar declared as a "non standard" fitting.  Aviva are not on the price comparison web sites, but have an excellent web site for a quote. I might add I get a slight discount as I also do my house/contents insurance with them, I have found their prices very good.  I had to make a couple of claims when my car was dented twice whilst I wasn't even in it, but amazingly they didn't increase my premium at the next renewal, hence I have stayed with them.

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As said always worth shopping around for insurance and I was with LV for many years and it was a annual process by them of sending out a price then it was phone call to them that I can get insurance for less and the price would reduce to a sensible level .

 

 

Dave

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10 hours ago, Mr Plodd said:

 

Why be so mysterious! Tell us all who gives you such a better deal??

 

Andy

 

Ageas, via a broker - but comparison sites get close, sometimes cheaper but the broker then does a price match.

 

When I had a couple of SP30's within the last 5 years, LV declined to quote me.

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10 hours ago, Black Grouse said:

LV seems to give many people a good deal but they're always 50% more than the best when I check them - maybe it's the high Grouping  of my car that puts them off.

 

Don't think so - my Group is 43 and LV cheapest and easily so.  3rd year with them now and have done full comparison check every year.  Also get discount for tow bar (reduced rear end damage) even though I told them it's detachable!

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M & S for me - but it depends so much on location, mileage, type of car, and so on. Some policies include European cover, some don't, and some include breakdown and recovery. There are so many variables. 

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10 minutes ago, SamD said:

 

Don't think so - my Group is 43 and LV cheapest and easily so.  3rd year with them now and have done full comparison check every year.  Also get discount for tow bar (reduced rear end damage) even though I told them it's detachable!

 

Strange - my Touareg is also Group 43 but LV quoted £603 while Ageas are £436 - I don't check LV every year but it's been similar for best part of 10 years.

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9 minutes ago, moorgate said:

 Some policies include European cover, some don't,

 

 

And of those who do, most offer 90 days whilst LV give 180.

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2 years ago, (me 67 wife 64), Aviva renewal was £700+ for both cars, (mine SsangYong Rexton 2.0L, hers BMW1 series 2.0L). A few phone calls and the price dropped to £450 for both with Saga. They had been consistently been the highest quotes in previous years, refusing to price match. I accepted their quote and last years renewal quote was the lowest so we stayed with them. This year (Feb 2019) their price had risen, so a few calls and I got a quote for around £150 cheaper. A phone call to them and they agreed to price match so, we stayed with Saga. (TV money expert Martin Lewis suggests checking renewal prices one month before it's due. Don't know why.)

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13 hours ago, gray1 said:

Hi, i have just changed from Direct Line to LV and i am 71, LV  quoted me £60 less than Direct Line  

 

Strange how some Insurers can come out better for some people but not others.

I have been with Direct Line for around 5 years now and always cheapest.

LV and Saga are always a good bit more expensive than Direct Line on our two cars.

When I get the Direct Line renewal notifications I always ring them and ask what they can do with premiums, and usually end up with a good 10% further discount.

Renewals due in June so shall soon see what happens this year.

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