What if I am a mature driver?

Drivers over the age of 50 tend to have less than average number of accidents and as such deserve a discount on their car insurance premiums. However not all insurance companies recognise this claiming behaviour and offer the over 50’s market a discounted premium.

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What types of Motor Insurance Policy are available?: Since 1930 it has been a legal requirement for all drivers of motor vehicles to be covered by insurance for a minimum of third party claims, that means you have to be insured against accidents that are caused by you and have damaged a ‘third party’s’ vehicle.
What is Third party fire and theft Motor insurance?: Whilst technically your legal requirements for motor insurance are covered by a third party only policy they only protect the people with whom you share the roads, not yourself. The law requires that people who are involved in an accident that is not caused by themselves, be compensated. So, with third party insurance you may be protected against other people's claims against you, but not if you are responsible for the accident.
What to do if you have an accident: In many circumstances you will not be able to prevent an accident, especially if the accident is not your fault. If you are involved in an accident, there are several steps you need to undertake.
What are the road tax rates by specific type of vehicle?: The collection and administration of road tax is done by the DVLA (Driver and Vehicle Licensing Agency). The DVLA is responsible for all regions of the UK. Their aim is to facilitate safe and responsible driving throughout the UK. In addition to road tax they are also responsible for keeping a registry of all vehicles and qualified drivers.
Am I insured to drive someone else's car?: Many motor insurance providers will allow their comprehensive policy holders to drive any other vehicle, as long as it is already insured by another driver. This means that you can drive your friend's car BUT it is likely that you will only be insured to third party level.

It is because not all car insurance companies out there will provide you with the premium discount that you are owed that you should get several quotes, some from specialist mature driver insurance companies and some from the more generic insurance companies.

Car insurers that provide specialist policies for older drivers in the UK often not only offer you a car insurance policy at the right price, but will also give you cover that is tailored precisely to your needs (limited mileage etc).

It is not a good idea to stick with the same insurer just because you always have done – shop around, you could find you save yourself a lot of money on your car insurance premiums.