Insurance for Independent Living at Any Age

Driving your own car is one of the first signs of true independence. Passing the driving test and suddenly having the freedom to go wherever you want, whenever you want, is one of the most liberating feelings. Something many people do notice, however, is that their car insurance is pretty expensive when they are younger. There aren’t too many great things about getting older, but one of them is that your car insurance does tend to be cheaper. You are considered less of a risk on the road due to years of experience, and if you are lucky enough to build up a solid no-claims discount then this will knock pounds off your quote.

According to the Independent, one way for younger drivers to bring down the cost of their car insurance is to add an older person as a named driver. The insurance industry recognises that having an older, more experienced person behind the wheel is less likely to result in an accident.

Driving Assessment


You may have heard that you have to retake your driving test when you reach the age of 70. This isn’t actually the case, but you do need to renew your driving licence (and every three years thereafter). If you passed your test when you were 18 and you’re now approaching 70, you might want to consider having your driving skills assessed via an Experienced Driver Assessment (run by the Royal Society for the Prevention of Accidents). This isn’t a pass-or-fail type of test – you will be assessed by an experienced and qualified instructor who will give you advice on any ways you could improve your driving. It can be easy to fall into bad driving habits, or to simply not be up to date with any new thinking or legislation surrounding driving, so these assessments are a good idea.

Stay Safe

Unfortunately, with age comes an array of medical issues. While many of these are relatively harmless, you do need to keep a check on anything which may affect your ability to drive safely. In particular, you need to be able to read a number plate from 20.5 metres away, so make sure you have regular eye tests and keep any eyewear prescriptions up to date. You’ll need to let the DVLA know about worsening conditions, including epilepsy, diabetes, heart problems, Parkinson’s disease and limb problems which may affect your driving.

If you keep a good check on your health and eyesight and have a reassessment of your driving, there is no reason at all why you shouldn’t continue driving for as long as you are fit and able. Do be realistic, though. If you feel that you aren’t able to drive safely or with confidence, then you have a responsibility not to get behind a wheel – it simply isn’t worth it. If you feel confident and comfortable, however, there is a good range of motor insurance designed for the over 50s available, so do shop around to find a good deal.

Age isn’t a barrier to many things these days, and in the case of driving insurance it can be a real positive as experience is considered a more valuable asset than youth.


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