Car Insurance for Over 80
If you are over 80 and looking for car insurance, you will already have found that finding a competitive quote can be difficult.
Perhaps your existing company has raised their price significantly this year, or perhaps you have been unable to find a reasonable quote from the online car insurance comparison sites.
Fortunately, Herts Insurance Consultants are able to help in most cases, and where other companies are not interested in your business, you will find we are keen to insure older drivers and offer reasonable and fair premiums. Complete our callback form now and we will ring you back to take you through a quote.
As a specialist insurance broker, Herts Insurance are experts in covering drivers who are overlooked by the mainstream car insurance providers. Elderly drivers in particular can have real trouble getting a reasonable car insurance quote, because many car insurers mistakenly assume that older drivers are more accident prone.
We know this isn't necessarily the case, which is why our over eighties rates are competitive, even for drivers who have trouble getting a quote elsewhere. As a broker we search over 80 insurance schemes to find the best policy for your needs, at the most competitive price.
Why Over 80s can have Car Insurance problems
Many of our competitors assume that older drivers will make more claims. They think this because they assume that slower reaction times will lead to more accidents and that older bodies will be more susceptible to injury.
For this reason many car insurance companies are keen to get elderly drivers off their books, so they will either increase prices to the point at which older customers leave, or else simply refuse to offer cover to the elderly. This can be only the start of problems over 80s can face in sourcing car insurance, because many other mainstream car insurance companies operate in exactly the same way, so shopping around can be a daunting task.
Why we Love to Insure Over 80s
Of course, reactions do slow down with age, eyesight can begin to fail and bodies do become more frail. But older drivers make up for these problems with the increased experience that comes with age.
Elderly drivers take more care, travel a little more slowly and tend to use the road less than younger motorists. And being retired they tend to travel at less busy times of the day and visit fewer high risk areas.
In fact, statistics from the Institute of Advanced Motorists show that pensioners, despite making up 8% of all drivers are only involved in around 4% of accidents that cause an injury. This compares very favourably with drivers under 25, who make up 15% of the driving population, but are involved in 34% of such accidents.
And by understanding all of this, HIC are able to offer drivers over 80 insurance at a very competitive price.
By rewarding the experience that comes with age, we can offer you a high quality policy for much less than you might expect.
Our specialist policies are tailor-made for the needs of the older motorist - here are some of the features you can expect from your policy...
- Flexible limited mileage options
- Cover for all types of car
- Free European green card for up to 90 days
- Independent Agreed Value cover (optional)
- Salvage retention
- Uninsured loss recovery for non-fault claims
- Free legal cover up to £100,000
- Left hand drive models are not a problem
And we also offer a range of additional discounts for:
- Limited Mileage
- Second car policies
- Security Precautions
- Extra Discounts of up to 20% for enthusiasts
You can call HIC on 0344 381 6530, use our online call back service (by either filling in the email form telling us when you would like us to call you or by texting the word 'Quote' to 07781 472736) or get a Over 80s Car insurance quote online, right now, by clicking the button below.
**sample quotes are cover as stated for a UK driver with a clean license (unless stated otherwise). These illustrative car insurance quotes, valid as at 11/8/2013, are provided for information only and do not form the basis of any contract or tender.
Terms and conditions apply.