Over 60s and Over 70s Car Insurance

Unfortunately, you may find that the cost of your car insurance policy starts to rise once you turn 70. Whilst older drivers are often more careful and experienced drivers, insurers tend to class them as higher risk. On the plus side, you may still drive fewer miles than many other drivers, which can help to balance the cost of your policy.

It’s worth bearing in mind that if you let your insurance lapse before your 75^th birthday, it can become more difficult to find a new insurer over 75.

You’ll need to renew your driving license when you turn 70 and every 3 years after that. You can renew your license with the DVLA up to 3 months before your 70^th birthday. You will not need to retake your driving test, and you will be able to continue driving as long as you do not develop any health conditions that can impact your safety on the road.

Yes, our friendly team of advisors are here to talk you through any questions about arranging your cover. They’ll guide you through the decision-making process with their specialist knowledge. If you’d rather speak to the same person every time you call us, just let us know.

Yes, you can take out an additional policy as and when your relative needs to practice driving in your car. 

Many factors have an impact on your premium, including your car's insurance group, your annual mileage, your job, where you live, your age, how long you've been driving, previous motoring convictions, the number of drivers on your policy and any previous incidents and claims. 

If your policy has been cancelled by your insurer, we have access to insurers that may be able to provide a quotation. 

We work with a range of insurers, with options available that don't require the installation of a black box.

Yes. We are able to approach our panel of insurers for customers with previous convictions to see if they are able to provide a quotation.

This is the first part of each claim which you (not your insurer) must pay. There are two types of excess:

Compulsory excess - this is an excess that has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided. A compulsory excess may be required if you drive a particular vehicle or you have inexperienced drivers on your policy. There is also a compulsory excess for fire, theft, windscreen claims or malicious damage.

Voluntary excess - This will apply where you agree with your insurer to pay a greater part of each claim, in addition to your compulsory excess. A voluntary excess can be increased or decreased at your request during your online quotation and it may affect your premium.

Yes, you should inform your insurer of any incident the insured vehicle is involved in, so that your policy is always fully up to date, even if no claim is to be made. All incidents should be reported to 0800 9537 537.

If you would prefer to spread the cost of your car insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.