Senior and Mature Drive - Arkwright Insurance

Senior & Mature Driver


What are the Factors Senior & Mature Driver Affecting Premiums?


If you’re driving habits remain the same and your driving record remains the same your car insurance premium changes over the time.   Generally when the driver becomes middle aged after acquiring years of No Claims Bonus and experience, the insurance premium rate decreases.  Once the driver becomes senior or mature, the insurance premium rate increases.  Car insurance for senior and mature drivers cost more due to being more prone to accidents than middle-aged drivers.  Senior and mature people have aged related changes such as hearing, vision, slower reflexes, medications and health conditions. 


Having said this older driver suffers more serious injuries and more fatalities regardless of the accident severity. This can mean that treating older driver is more expensive when compare to younger or middle-aged drive.  These are some of the factors that can increase the premium rate for senior and mature drivers.


Here’s what you need to know about saving on car insurance in your 50s, 60s, 70s and beyond:-


Car Insurance for Over 50s


Car insurance for drivers over 50 is normally cheaper than younger and older drivers. This is because drivers in their 50s are known to be the safest and with some a lot years of experience and still in good health. 


Car Insurance for Over 60s


Drivers above 60 are likely to pay less for car insurance than what they paid between the ages of 50 and 65. Having this is not the rule as some insurers may decide to raise premiums depending on several factors such as, driving history, health or where they live.


Car Insurance for Over 70s


Drivers above 70 will find that their premium will be higher than what they have paid in previous years due to being prone to accidents and where their injuries sustained would be more serious and higher fatalities than younger drivers.


Here are the most important tips:

  • Maintaining your vehicle – Have your car/vehicle checked regularly for any faults to reduce breakdowns and chances of accidents.
  • Maintaining your health – Have regular vision, hearing and general health checked. Also keep any prescribed glasses, hearing aids and medications up to date.
  • Adjusting and getting used to your vehicle – Adjust your seat for adequate vision.
  • Staying physically active and healthy – Staying physically health and active may help with quick reaction times.
  • Reviewing your medications – Understand Ensure you understand your medications your medications work and if there are any side effects that may affect you’re driving, then simply just don’t drive. If you check the medication advice sheet it should state about driving or operating machinery after taking the medicine then this is pretty obvious that your driving can be impaired or affected.
  • Sharpening your driving skills – Take refreshers driving lessons which can give you greater confidence in driving as this may help with lowering your insurance premium rate. Defensive driver classes and behind the wheel refresher courses can sharpen your skills and lead to lower insurance rates.
  • Creating a necessary, precautionary and healthy buffer zone – Avoid driving through busy routes and times and avoid driving too close to vehicles in front of you. Plan your route before you set off in your car to ensure you don’t stuck in traffic.