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Is there a general age at which pensioners have to pay a premium for car insurance?

10Wbulb
10Wbulb Posts: 26 Forumite
Eighth Anniversary 10 Posts Combo Breaker
edited 26 June 2019 at 12:40PM in Insurance & life assurance
The title says it all.

EDIT: meaning at what general age do pensioners have to pay an additional premium or excess because of their age.

2nd EDIT: and is the additional/extra premium likely to be 50 to 100%
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Comments

  • Quentin
    Quentin Posts: 40,405 Forumite
    All policyholders have to pay the premium to get a policy - even pensioners!
  • 10Wbulb
    10Wbulb Posts: 26 Forumite
    Eighth Anniversary 10 Posts Combo Breaker
    All right clever pants, I mean an additional premium or excess because of their age!
  • p00hsticks
    p00hsticks Posts: 13,816 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think it depends on the particular insurer, but in general I've heard that premiums start to rise once you get to the point where you have to reapply for your licence at 70
  • Quentin
    Quentin Posts: 40,405 Forumite
    edited 26 June 2019 at 11:39AM
    10Wbulb wrote: »
    All right clever pants, I mean an additional premium or excess because of their age!

    Calm down

    Your OP (which you have now edited) did simply say "the title says it all"
    Pensioners are on the warpath over free telly and are always looking for freebies aren't they??

    Now you've explained your title then there's no answer.

    As you get into OAP your premium gets loaded each year, just as it gets cheaper when you are a teenager!
  • Robin9
    Robin9 Posts: 12,416 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If you want to cut your premium keep an eye on the annual mileage you declare - no point in paying for the 20,000 you did when you were at work when you only do 5,000 miles in retirement
    Never pay on an estimated bill. Always read and understand your bill
  • 10Wbulb
    10Wbulb Posts: 26 Forumite
    Eighth Anniversary 10 Posts Combo Breaker
    I wasn't looking for freebies, I was looking for info!

    It's precisely because of smarty pants people like you that I rarely visit this forum, go suck eggs.
  • Kernel_Sanders
    Kernel_Sanders Posts: 3,617 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    10Wbulb wrote: »
    All right clever pants, I mean an additional premium or excess because of their age!
    No, you can only pay an excess if you make a claim....
  • 10Wbulb
    10Wbulb Posts: 26 Forumite
    Eighth Anniversary 10 Posts Combo Breaker
    Kernel_Sanders wrote: »
    No, you can only pay an excess if you make a claim....

    But is the excess likely to increase with age?
  • Robin9
    Robin9 Posts: 12,416 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    10Wbulb wrote: »
    But is the excess likely to increase with age?

    No - because you choose the level of excess
    Never pay on an estimated bill. Always read and understand your bill
  • Quentin
    Quentin Posts: 40,405 Forumite
    Robin9 wrote: »
    No - because you choose the level of excess

    The policyholder only chooses the level for voluntary excesses, but cannot choose the level for any compulsory excesses (except by shopping round!)
This discussion has been closed.
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