Car Insurance for Over 50s

You can take out Car Insurance as long as you are and feel fit enough to drive. We have used our expertise and research into the needs of older people and selected LV= to provide Car Insurance suitable for our customers. LV= cover provides car insurance up to the age of 110.

Younger named drivers can be included on the policy, subject to acceptance by our insurer, LV=.

Yes, there are two ways to do this with LV=. You can either take out a multi-car insurance policy, or you can take out two separate car insurance policies. If you choose multi car insurance, you’ll receive an extra discount and you can insure up to 6 vehicles on one policy.

If you need to add another vehicle to your policy temporarily, you'll need to call LV= for a quote on 0330 678 5226

Lines Open:

• 8am - 8pm Monday to Friday
• 9am - 5pm Saturday
• 9am - 5pm Sunday and Bank Holidays

Calls will be recorded. For Text Phone first dial 18001

This is a discount on your Car Insurance premium if you have not made a claim in previous years.

If you have nine or more years no claim discount (NCD), you’ll be able to secure the maximum discount when taking out a new Car Insurance policy.  

No. If you have taken out an LV= policy through Age Co, windscreen claims won’t affect your no claim discount.

For example, if you get a chip in your windscreen and it needs to be repaired.

Yes, you can add Protected NCD as an Optional Extra to your policy. That way, if you make a claim on your policy (and LV= can't recover their costs from the person or people who are at fault) your NCD won’t be lost or reduced.

Having pre-existing medical conditions should not affect your quote, but UK law requires you to report certain conditions to the Driver and Vehicle Licensing Agency (DVLA) and, if they deem you to be unfit for driving, you will be refused cover.

Legally, you must be able to read a car number plate from 20 metres away to be able to drive, so it is advised to schedule regular eye tests to ensure your vision is at its best. You can schedule an eye test at the opticians. It is your responsibility to notify your insurance provider of any changes to your medical conditions that the DVLA need to be aware of, to ensure you are still covered under an existing policy.

Yes, you can add Motor Breakdown cover as an Optional Extra to your policy. Motor Breakdown is provided by LV= Britannia Rescue.

Yes, you can take out Motor Legal cover as an Optional Extra to your policy. Motor Legal cover protects you from the potential costs of legal action (up to £100,000) if you're involved in a car accident.

You can use Motor Legal cover to help you in a number of situations including:

• Taking action against a road user
• Defending yourself against a motoring prosecution
• Recovering any uninsured losses like personal injury compensation
• Loss of earnings or hire car costs while your vehicle is being fixed

If you are not currently using your car, or if you keep it laid up in a garage during the winter months, you can inform the Driver and Vehicle Licensing Agency (DVLA) and obtain a Statutory Off Road Notice (SORN). Vehicles with a SORN are not required to be insured while they remain off the road. It is important to note, however, that you could lose your no-claims bonus if you do not maintain a car insurance policy in your name for more than two years.

Defaqto are a UK leading independent financial information business. The Car Insurance we offer from LV= has been given a 5 Star Rating.

You can pay by debit and credit card or by monthly or annual direct debit, provided you meet the affordability checks. If you need to speak about other ways to pay, please contact the team at LV=.

Auto-renewal can offer you peace of mind that your insurance will remain in place when it comes to your renewal.

When you give your consent to auto-renew your policy, LV= will issue your renewal documents, which will include details of your cover and any associated costs and inform you that the policy will auto-renew without any need for you to make contact and confirm.

The consent will remain in force unless you change it, which you can do at any time, or if the policy is cancelled.

You'll automatically have an account if you saved a quote or if you chose to sign up after buying a policy. Visit www.lv.com/ageco/car-insurance to log in to your account or set up a new one.

Your saved car insurance quotes are valid until the cover start date. You'll still be able to view them in your account after that point, but you won't be able to buy them. Simply start a new quote if your old one’s no longer valid.

When you saved your quote, you should have received an email from LV= with details of your quote and how to access it again. If the email isn't in your inbox, please check your spam or junk folders in case it's in there. If you still can't find it, you can re-set your password in My Account by clicking ‘Login’ and then the ‘I’ve forgotten my password’ link on the following page.

Whether you’re in your 50s, 60s, 70s, 80s, 90s or over, we believe LV= is able to deliver great cover for experienced drivers, along with excellent customer service and UK-based call centres.

Understanding our customers and their needs has always informed the products we offer and who we work with to provide them. By choosing LV=, we will be continuing to work with a partner that shares our values and dedication to customers enjoying their later life.

LV= is a leading insurance business offering a range of general insurance products. They are proud to be one of the UK’s largest personal lines insurers. Throughout their 180 year history, they have put people and customers at the heart of everything they do.