Over 80s car insurance is all about giving experienced drivers cover that fits their lifestyle. You still get the usual options, whether that’s third party, third party fire and theft, or fully comprehensive, plus the common extras like legal cover, breakdown cover and key protection.

Some over 80s policies go further, offering extras you don’t usually get with standard cover, such as onward travel if your car is off the road, extended European cover for big trips, and the reassurance that someone else can take the wheel if you feel unwell. Together, these benefits help protect you, your car and your passengers so you can enjoy the drive with confidence.

When it comes to the cost, car insurance for over 80s can be more expensive than for other age groups, although it can still be cheaper than for young drivers. Make sure you compare policies and premiums to track down the best deal, rather than just accepting your current insurer’s renewal offer.

What isn’t covered by over 80s car insurance will depend on the insurer and the level of cover you choose. Always check the policy wording carefully, as exclusions can vary from one provider to another.

As an example, one leading insurer offering fully comprehensive cover as standard on over 80s car insurance does not include the following:

• Unlisted drivers: Anyone not named on the policy will not be covered to drive the car.

• Other vehicles: Damage to any vehicle you’re driving that isn’t the one insured on the policy.

• Key-related thefts: Theft claims may be declined if the car was left unlocked, running or with the keys inside.

• Breakdowns: Mechanical or electrical failures are not covered by car insurance.

• Previously written-off vehicles: Cars classed as Category A or Category B write-offs are excluded.

• Converted vehicles: Campervans, motorhomes and vehicles converted for sleeping or cooking are not covered.

• Certain manufacturers and modifications: Vehicles made by specialist camper manufacturers, or those fitted with features like pop-top roofs, beds, or cooking facilities, are excluded.

This isn’t a full list, and exclusions will vary by policy. Comparing insurers and reviewing the fine print is the best way to understand exactly what is and isn’t included in your cover.

According to the Association of British Insurers (ABI), in the third quarter of 2025 (July - September), the average cost of car insurance in the UK was approximately £551. That’s £13 cheaper than the previous quarter. Whilst this figure covers both comprehensive and third-party premiums, comprehensive policies are surprisingly often the cheapest option despite offering the highest level of cover.

Premiums usually fall as drivers age, with drivers in their fifties typically enjoying some of the cheaper premiums. They tend to increase again for drivers in their sixties onwards, and can be on the high side when you reach your 80s. That’s one reason why it’s so important to compare policies and premiums instead of just accepting your renewal quote each year.

Exactly how much your premium will be will depend on a number of factors, including these:

• Your job: Some jobs mean more time on the road or in higher-risk areas, which can bump up your premium. If you are retired, this could mean lower premiums.

• Amount of excess: Choosing a higher voluntary excess can lower your premium, but it means paying more yourself if you make a claim.

• Type of car: Insurers look at how expensive, powerful and desirable your car is, plus how safe and reliable they think it will be. Bigger engines usually mean higher costs, and cars that are often targeted by thieves can raise your premium too.

• Your postcode: Urban areas with higher traffic or theft rates typically have higher premiums, in addition to living in an area prone to flooding.

• Modifications: Expensive speakers and in-car entertainment systems can make your car more attractive to thieves, which may increase your insurance costs. Performance upgrades can also bump up premiums.

• How often you drive: Using your car daily, especially for commuting, usually costs more than just driving occasionally.

• Car insurance group: Cars are placed into insurance groups (1–50) based on factors like repair costs, safety features and performance. The higher the group, the more you’ll usually pay.