Car insurance for pensioners in the UK

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Car Insurance For Pensioners

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* 7-8% of Apricot car insurance customers over 35 paid less than £250 between June 2020 to June 2021. Different age ranges will be priced differently.

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Car insurance for pensioners

In order to drive a car on a public highway in the United Kingdom, it is essential to have car insurance. The nature of this insurance will be determined by a number of factors, including your occupation. In fact, there are even specific policies, for those who have completed their working life. Here we will examine the opportunities for pensioners in the world of car insurance.

What is pensioner car insurance?

Insurance companies assess the risks applicants pose according to a range of national statistical data. It is unsurprising that public servants like police officers or NHS staff rate as individuals who are unlikely to take risks behind the wheel of a car, but pensioners are also seen as less reckless than other drivers too.

Why do I need pensioner car insurance?

If you no longer have full time employment and are receiving a pension, it is advisable to seek specific pensioner car insurance for your vehicle. Providers of these specialist policies will be able to tailor your specific situation more simply than other insurers and can therefore be less pricey.

As such, it is worth taking a look at car insurance for pensioners to find a good deal.

How will being a pensioner affect my car insurance?

Car insurance providers track national data which determines how risky certain groups of individuals are. Doctors and nurses, for example, are thought to require the sort of demeanour at work that will make them responsible behind the wheel of a car, and the same assessment applies to pensioners.

While you might have assumed that your age and employment was an impediment to finding car insurance, you may find that pensioner car insurance covers you more appropriately and could be more reasonably priced.

How much does car insurance for pensioners cost?

Insurers will take account of a range of factors when offering pensioners car insurance policies, just as they would for any other group. The make and model of the car to be insured, the driving history of the pensioner and their age will all affect the cost of the premium.

There will also be the nature of the policy itself to factor in. Third party, inclusive of fire and theft or not, or fully comprehensive policies will alter the final outlay. There may also be an opportunity, to limit your mileage on your policy if you no longer need to use your vehicle for work which could further reduce your premium.

Does it make a difference to my car insurance if retire to a different location?

It is not uncommon when individuals retire that they want to either downsize their accommodation or choose to relocate to somewhere close to their family or perhaps even a dream destination. Where you live will always have an impact on your car insurance and this is no different for pensioners. If you move from an urban setting and decide to live in the countryside, your premium could well be lower, but that is also dependant on the vehicle being kept in a safe environment.