Motor insurance for over 80 year old driver

easy

(also posted in the Motoring section)

Hi,  any advice welcome please
My elderly friend is 83 still driving (only very local,  I doubt he racks up 2k miles per year).  He is still safe- I went out with him a couple of weeks ago to check.   
Drives a Volvo V50
He made an insurance claim last year,  as someone drove into his parked car,  but drove away,  so it wasn't his fault,  but had to claim to put the damage right.

His insurance renewal has come through.  at over £700 
Any tips before I run the comparisons for him.
We're thinking of adding his grandson  (25,  clean licence)  to the policy,  will that help ?

easy

Hi,  any advice welcome please
My elderly friend is 83 still driving (only very local,  I doubt he racks up 2k miles per year).  He is still safe- I went out with him a couple of weeks ago to check.   
Drives a Volvo V50
He made an insurance claim last year,  as someone drove into his parked car,  but drove away,  so it wasn't his fault,  but had to claim to put the damage right.

His insurance renewal has come through.  at over £700 
Any tips before I run the comparisons for him.
We're thinking of adding his grandson  (25,  clean licence)  to the policy,  will that help ?

GrumpyDil

The usual ones, problem is he's at the age where insurance goes up and driving that low mileage probably increases his premium.

Adding a named driver isn't a bad idea, doesn't need to be a relative so he could add a friend if that would improve the quote. 

Oh and you shouldn't post the same question more than once, even if it is on different boards.

DullGreyGuy

Adding a named driver may help, particularly a close relative but at 25 they are young and may well push the price up. Any reason for skipping a generation? 

easy

DullGreyGuy said:

Adding a named driver may help, particularly a close relative but at 25 they are young and may well push the price up. Any reason for skipping a generation? 

Because the car is a manual,  and his daughter only drives auto.  If he ever needed the car driven by anyone else,  it's his grandson he would ask.   I thought once over 25 one was no longer a young driver?  He's had his licence since 18,  and also a C2 licence (ambulance crew, blue-light trained)

Mildly_Miffed

My mother's a few years older, lives in a very quiet rural area, drives a smaller lower-risk car. Clean licence, no accidents for a decade and a half.

Best premium I got for her was about that figure.
She had been blithely renewing, and paying double.
Adding me (50s, totally clean licence) as named driver put the premium up slightly.

DullGreyGuy

Its certainly a lot less than a 19 year old would be but typically its still a bit higher than someone in 30s-50s

elsien

easy said:

DullGreyGuy said:

Adding a named driver may help, particularly a close relative but at 25 they are young and may well push the price up. Any reason for skipping a generation? 

Because the car is a manual,  and his daughter only drives auto.  If he ever needed the car driven by anyone else,  it's his grandson he would ask.   I thought once over 25 one was no longer a young driver?  He's had his licence since 18,  and also a C2 licence (ambulance crew, blue-light trained)

It doesn’t need to be driven by anyone else. My brother is a named driver on my policy and hasn’t set foot behind the wheel of any car for the last 40 years. 

As long as the daughter has a manual license then it’s worth putting her name on the quotes to check how much difference it makes. Unless she genuinely does want someone else to be able to drive the car if necessary, and they can’t do it on their own policy.

elsien

Duplicate thread. You need to keep these together for consistency. 

MikeJXE

Personal experience I’m 84 years old. Spent years driving manual, now auto Jaguar XE 2016 2L diesel no claims ever,  no points, insurance £811.00

It an age thing I’m sorry to say. 

I have tried the named driver route. 45 year old, no claims no points with little effect, 

After trying comparison sites in the recent past and getting quotes in access of £1/2,000.00 I took the advice on here to increase my milage from 5,000 to 7,000 thats where my reduction came about

I chose Tesco last year at £860, the renewal was £912. 00 so I tried the comparison sites and Tesco was £870.00 so I rang them up, 

Apparently my cover was slightly different to the online offer as mine included roadside assistance but after the guy had a word with his line manager they decided to apply loyal customer discount so I paid £811.00

Try upping  the milage when getting a quote, if your doing it online delete cookies and history each time 

elsien

Surely to up the mileage you need to be actually expecting to do the mileage. Although people's circumstances do change and it's not an exact science, I would have thought that adding mileage on that you know you will not be  doing just to reduce the premiums would come under the heading of misleading the insurer?