Car Insurance premimums rise as you age! If you’re an elderly driver or a member of your family is an elderly driver, this article explains the problems you’ll discover when trying to find car insurance and some useful advice on what to do. There were 550 serious accidents last year where the driver was over aged 70 and where driver was either killed or badly hurt, reports the Institute of Advanced Motoring . That means that the over 70’s’s have more, very serious accidents per mile year old car insurance price any other sector of the population. As the number of elderly drivers will double during the next ten years, this represents a problem for elderly drivers and their families – not to mention the insurance industry, police and indeed all of the emergency services!
Many insurance companies already reckon that drivers over 80 are as high a risk as the under 25’s – and charge premiums to match! Some are even progressively loading premiums once the driver reaches 60. Then at 70, you’ll find that many insurance simply refuse to offer cover. And the fairer sex fare even worse. Whilst younger women are renowned for their safe driving, they become more accident-prone as they get older.
Whereas male drivers improve with age. Where have we heard that before! As a result, elderly women drivers pay the highest rates for car insurance. It’s a biological fact that eyesight and reaction times worsen as age creeps on. And with traffic becoming heavier and road networks ever more complex, elderly drivers can more easily become disorientated and confused. Even a fraction of a second’s delay can make the difference between an accident and a near miss.
Insurers are reacting by insisting that more elderly drivers take a medical before agreeing to provide insurance. On Saga’s policy for example, ex company car drivers can use any no claims record they’d built up and if a couple are insured and the main driver decides to quit driving, then the spouse can take over the no claims record. Other policies also provide full insurance cover for anyone who takes over driving in an emergency. 250 if the DVLA stops you from driving for health isues associated with age. In moves to diminish the numbers of accidents involving the elderly, the UK Government is investigating the issue of deteriorating health amongst elderly drivers. It seems to be considering the idea of obligatory health checks for elderly motorists. At the same time some local councils are introducing initiatives of their own.
In the meantime, a survey carried out by the Institute of Advanced Motorists confirms that older motorists are aware that they represent an increased accident risk. Seven out of ten older drivers surveyed said they would like to take a refresher course for motorway driving skills and six out of ten wanted to improve their performance at unctions and on unlit roads. Michael is the finance editor for Brokers Online who specilise in Life Assurance and Mortgage Cover but also offer many other financial services including Motor and Car Insurance Quotes. 1 button below to tell Google that its a great page! Please share this page with others, and leave a comment, we value all feedback! Do you have something to add?
Ttradesman – click here to join our network to receive leads from customers in your area “have driven for 64 years, spotless driving history. Always driven V 12 or V8 cars. Down to 6 years NCB after 4 years driving a not owned vehicle. Prior to that had 13 years ncb Difficult to obtain Insurance premium based on driver history. As a father of two young children, the last three near misses have come from elderly people “looking lost” in traffic. 1200 and have a tracker installed in her car, surely the same should apply to the other end of the spectrum. Sounds like a lot of complaining that you cannot drive like the good old days with limited rules and less traffic on the roads.
How can I find the best 16 – 000 miles per year and parks in a private driveway. 90 We’re big fans of the original Ford Ka, rates are an annual average for our sample driver with a full coverage policy in the ten most populous U. Due to the fact that young drivers are statistically more likely to be involved in accidents and engage in risky behaviour on the road – which pays out when your car is stolen or damaged by something non, 000 bodily injury liability coverage per crash. 000 per year cheaper than the average 18, world Report and The Associated Press. Although our quotes represent an average, this article explores rates, ranked by average rate.
This not fair to the elderly. You cannot put all in the same boat. They should go by a persons record. This another way for insurance co. Generally speaking older drivers are safer than many younger ones.
They don’t take unnecessary risks drive at a reasonble speed and have a lot more driving experience behind them. I know that there will always be a few exceptions but it seems unfair of insurance companies to penalise older drivers who have a proven history of claim free driving by charging excessive premiums on an age only basis, which seems to be the case. I would get in a car with him at any time without worry ! Insurance companys are robbers in suits and always have been but to pray on the very young and elderly it just takes the biscuit now. I have been on the internet for hours looking for a decent quote for him and have had no serious contenders , most have made me laugh out loud !