Car insurance for older drivers.
Learn about car insurance for older drivers. And how to find the right cover with Tesco Car Insurance.
Published: 20 March 2026
Page contents
What’s covered with older driver insurance?
The cover you get with your car insurance depends on the type of policy you go for, regardless of your age. So the main thing with older driver insurance, as with any policy, is to find cover that’s right for you.
That means, not just the right price, but:
- a level of cover that meets your needsa level of cover that meets your needs
- features and benefits you can usefeatures and benefits you can use
- help and support you’ll get from your providerhelp and support you’ll get from your provider
With Tesco Car Insurance, it’s easy to check your options and compare cover levels. We’re here to help if you have any questions. And you can save money with your Clubcard.
How to find the best car insurance for older drivers
If you’re an older driver, focus on the features you’ll use, fair pricing for how you drive, and good customer service.
Start with your needs
Be clear on these things. It can help you to find the best car insurance to meet your needs as an older driver.
- How many miles do you drive? How many miles do you drive?
- Where do you park? Where do you park?
- Are there any named drivers? Are there any named drivers?
- Do you have any medical conditions to declare? Do you have any medical conditions to declare?
Compare cover, not just price
Look at what’s included with your cover. And also any limits.
With Tesco Car Insurance, you can choose from 3 levels of comprehensive cover - Bronze, Silver or Gold. And you can add optional extras like Breakdown Cover and Key Cover to get more cover for an additional cost.
Check customer support
At Tesco Insurance, we know how much our customers count on us. That’s why we’re here to help and support you, with:
- UK-based customer serviceUK-based customer service
- 24-hour accident reporting in your online account24-hour accident reporting in your online account
- 99% of Car Insurance claims paid (July 2024-June 2025).99% of Car Insurance claims paid (July 2024-June 2025).
Remember your no claims discount
A long, clean driving record with no claims can help you to get you the right cover and could lower your premiums.
You can usually take your no claims discount to a new provider. And you can pay extra to protect your no claims discount as an add-on to your car insurance policy.
You can learn more about your no claims discount in our guide - No claims discount explained.
Set a sensible voluntary excess
A higher voluntary excess can lower your premium, but it means you’ll pay more towards a claim. You should set an amount that you can afford, not just now, but in the future.
You can learn more about voluntary excess in our guide - How does voluntary excess work on car insurance?
Be accurate with your mileage
If you’re doing less mileage since retiring, make sure you tell us the correct figure when getting a Car Insurance quote. Don’t guess too low - it could affect your cover.
Park your car securely
Parking your car on a driveway, or in a garage, can help to reduce the risk of something happening to it - and keep the price of your policy down. Approved alarms and immobilisers can also help to reduce the risk.
You can learn more about parking and storing your car in our guide - Parking, storage and your car insurance.
Time your renewal
The best time to look for car insurance is usually a few weeks before your renewal, when you get your renewal invite. Timing it right can help you to compare cover calmly and avoid a last minute decision.
Use your Clubcard
When you buy Tesco Car Insurance, you’ll get a guaranteed discount with your Clubcard.
How does age affect your car insurance premiums?
Your driving experience helps when it comes to car insurance, but there can be more risk as you get older too. The price you pay will often go down in your 50s and 60s, then go up again when you hit your 70s.
- The cost of your car insurance is based on risk. That includes your age, driving history, car, mileage, postcode and more.The cost of your car insurance is based on risk. That includes your age, driving history, car, mileage, postcode and more.
- Many drivers can expect lower premiums in mid-life, based on their experience and a clean driving record.Many drivers can expect lower premiums in mid-life, based on their experience and a clean driving record.
- For over 70s car insurance, prices can rise with increased risk.For over 70s car insurance, prices can rise with increased risk.
- Risk and price can vary from person to person. Your driving record, claims history and mileage still matter most.Risk and price can vary from person to person. Your driving record, claims history and mileage still matter most.
- If you’re looking for the best car insurance for older drivers, compare features and excesses too. Price is only part of the picture.If you’re looking for the best car insurance for older drivers, compare features and excesses too. Price is only part of the picture.
With Tesco Car Insurance, your quote can be tailored to you, with a choice of:
- 3 levels of cover - Bronze, Silver or Gold3 levels of cover - Bronze, Silver or Gold
- Optional extras - including Motor Legal Protection and an Upgraded Courtesy CarOptional extras - including Motor Legal Protection and an Upgraded Courtesy Car.
You can learn more about add-ons and extras in our guide - Car insurance add-ons and extras.
When to disclose medical conditions to your car insurance provider
If you have any medical conditions, you might need to tell us about them. It depends on what they are and whether they could affect your driving.
When you get a Tesco Car Insurance quote, we’ll ask you to confirm that you:
- Have told the DVLA (or relevant licensing authority) about any medical condition you have that could affect your ability to drive safely. And they've agreed to issue you a licence.Have told the DVLA (or relevant licensing authority) about any medical condition you have that could affect your ability to drive safely. And they've agreed to issue you a licence.
This is only to check you’ve got a valid driving licence. We’ll assess your cover fairly, and we won’t penalise you for having a medical condition.
Make sure your driving licence and car insurance are valid
Follow these steps. It’ll keep you legal and help us to provide the right cover.
- In the UK, you must tell the DVLA about a medical condition that could affect your driving.In the UK, you must tell the DVLA about a medical condition that could affect your driving.
- You must also tell us, if we’re your insurer. If you don’t, your policy might not be valid.You must also tell us, if we’re your insurer. If you don’t, your policy might not be valid.
- Common examples include eyesight conditions, heart conditions, diabetes with hypos and sleep apnoea.Common examples include eyesight conditions, heart conditions, diabetes with hypos and sleep apnoea.
- If your condition changes, you must tell us (or your insurer, if it’s not us) and the DVLA.If your condition changes, you must tell us (or your insurer, if it’s not us) and the DVLA.
You can check with the DVLA to see if you need to disclose a medical condition - Check if a health condition affects your driving - Gov.uk.
When to renew your licence
You need to renew your driving licence when you reach age 70. And you’ll have to renew it every 3 years after that.
Here’s how it works:
- The DVLA will remind you when it’s time to renew. And it’s free to do so.The DVLA will remind you when it’s time to renew. And it’s free to do so.
- You can renew online or by post.You can renew online or by post.
- You’ll need to confirm your eyesight meets the legal standard.You’ll need to confirm your eyesight meets the legal standard.
- You have to declare any medical conditions that could affect your driving.You have to declare any medical conditions that could affect your driving.
If you have Tesco Car Insurance, please let us know if the status of your licence changes.
We might ask you to confirm you’ve renewed your licence. So it’s important to keep it in date.
How to renew your licence
If you’re 70 or over, you can find out about renewing your licence from the DVLA - Renew your driving licence if you're 70 or over - Gov.uk.
At the time of writing, the government’s proposing changes to how you renew your driving licence if you’re over 70*. And, as reported by BBC News, over 70s could be banned from driving if they fail a compulsory eye test in the future**.
Make a note of your mileage changes
You might drive less after you retire. Make sure you update your mileage on your car insurance, so the price you pay reflects how you really drive.
- Annual mileage is a key rating factor when it comes to car insurance. A lower mileage can help to bring down the cost of your cover.Annual mileage is a key rating factor when it comes to car insurance. A lower mileage can help to bring down the cost of your cover.
- Don’t guess too low. Be accurate to avoid problems if you make a claim.Don’t guess too low. Be accurate to avoid problems if you make a claim.
- If your driving pattern changes, tell us (or your insurer, if it’s not us) mid term.If your driving pattern changes, tell us (or your insurer, if it’s not us) mid term.
You’ll need to tell us your annual mileage when you get a quote for Tesco Car Insurance. But you can ask to change it later if you use your car more than you thought you would.
Reap the rewards of your experience
A long, clean record and a strong no claims discount can help to keep the cost of your car insurance down.
Here’s a few pointers:
- Long driving experience, no points and claim free years can lead to lower than average prices.Long driving experience, no points and claim free years can lead to lower than average prices.
- Build and protect your no claims discount, if you can.Build and protect your no claims discount, if you can.
- Consider advanced driver training if you want extra confidence.Consider advanced driver training if you want extra confidence.
- Avoid ‘fronting’ - it’s illegal. That’s when someone puts themselves down as the main driver on a car insurance policy when they’re not. The real main driver is usually a younger or higher risk driver who’s only listed as a ‘named driver’ to get cheaper insurance.Avoid ‘fronting’ - it’s illegal. That’s when someone puts themselves down as the main driver on a car insurance policy when they’re not. The real main driver is usually a younger or higher risk driver who’s only listed as a ‘named driver’ to get cheaper insurance.
- With Tesco Car Insurance, your no claims discount can reduce your price. You can also pay extra to protect your no claims discount.With Tesco Car Insurance, your no claims discount can reduce your price. You can also pay extra to protect your no claims discount.
You can learn more about fronting in our guide - What is fronting?
Top tips to keep your car cover affordable
Small changes can help. Pick the right cover, set a sensible excess, and make your car easier to insure if you’re looking for older driver insurance.
- Choose the right cover level. Tesco Car Insurance offers Bronze, Silver and Gold. Pick the features you’ll use.Choose the right cover level. Tesco Car Insurance offers Bronze, Silver and Gold. Pick the features you’ll use.
- Consider a higher voluntary excess if you can afford it. It usually lowers your premium.Consider a higher voluntary excess if you can afford it. It usually lowers your premium.
- Keep your car secure. Use approved alarms or immobilisers if appropriate. Park off road where you can.Keep your car secure. Use approved alarms or immobilisers if appropriate. Park off road where you can.
- Maintain your car. Good tyres, working lights and regular servicing help reduce risk.Maintain your car. Good tyres, working lights and regular servicing help reduce risk.
- Review your annual mileage and usage. Update your insurer if things change.Review your annual mileage and usage. Update your insurer if things change.
- Think about named drivers. Only add them if they genuinely use the car.Think about named drivers. Only add them if they genuinely use the car.
- Pay annually if it’s cheaper for you.Pay annually if it’s cheaper for you.
- Shop around before renewal. Usually when you get your renewal invite.Shop around before renewal. Usually when you get your renewal invite.
- Save money with your Clubcard on Tesco Car Insurance.Save money with your Clubcard on Tesco Car Insurance.
Tesco Car Insurance for older drivers
At Tesco Insurance, we can help you to save money on car cover, whatever your age.
Clubcard discount
Tesco Car Insurance comes with Clubcard Prices. That means you’ll get money off just by having a Tesco Clubcard.
If you don’t already have one, find out about Clubcard.
With our special offer, you can get 10% off Car Insurance with your Clubcard until 15 May 2026. Excludes add ons. Terms and conditions apply.
No claims discount
If you’re a new or renewing customer, your no claims discount can also help you to save money on Car Insurance.
Help for Car Insurance customers
If you’re a Tesco Car Insurance customer, find out how to manage your policy, get in touch or make a claim.
Important information
Tesco Car Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.
Motor Legal Protection is underwritten by AMTrust Specialty Limited.
Tesco Insurance Breakdown Cover is provided, administered and underwritten by RAC Insurance Ltd.
Key Cover is underwritten by AA Underwriting Insurance Company Ltd. Claims are handled by Keycare.
Upgraded Courtesy Car Cover is underwritten by Tesco Underwriting Ltd.
You’ll find complete details of the cover, monetary limits, exclusions, excesses and terms in the Tesco Car Insurance policy booklet.
Our sources
*Driving licences for the over-70s - House of Commons Library, 23 October 2025
*Open consultation - Mandatory eyesight testing for older drivers - Department of Transport, 7 January 2026
**Over-70s face driving ban for failing eye tests - BBC News, 11 August 2025
Learn more about Car Insurance
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