I have no idea if it offers good value for older drivers, as I am a mere 46, but I have my insurance through Vitality. You get a little telematics box as standard and cashback for days where.you don't drive or you drive entirely within to the acceptable parameters. I think that then carries over into excess reduction in subsequent years. I don't know that it's actually good value, but it makes me feel like a winner (and makes me drive a bit more carefully).

That sounds interesting. Thank you. My granddaughter has a box in her little car, but I don't suppose my premium would be anything like she is charged, at age 19.

I'll keep shopping around, as usual.

I have yet to find a magic bullet to deal with Insurance costs. Well proven fact that risk of a claim increases with age.

That may only be true (on average) once the policy holder is over 75, not generally, otherwise 17yo's would be the safest group on the road, which they patently are not.

As stated nothing beats shopping around. Some companies offer better rates if you have got an advanced driving qualification but normally only a few percent less. As premiums increase the savings become more beneficial

Some firms appear to be more generous as regards length of no claims, i.e. they value it more and thus give more of a discount. Still, I suspect that most will more likely make a better offer to a younger potential customer, at least if they're over 30, than someone nearing the end of their driving career, mainly because it could lead to a far longer, and thus more profitable, business relationship.

I've heard a good amount of positive accounts about LV, including from my dad, who worked in insurance all his working lifem though never for them or any subsidiary. He changed from Axa (who took over his old firm and provider of 'staff' [and retired ones] policy, Guardian/GRE) to LV about 5 or so years ago. Seems happy to stay with them.

NFU always come near or at the top of the league tables for customer service, but as has been said, that doesn't come cheap - they were always twice the price I paid in premiums.

I was with RAC originally back when I bought my first car, but they jacked the prices up steadily, so I changed to esure and stayed with them until they started doing the same about 3-5 years ago. I'm now with quotemehappy, who gave the same level of cover to esure but at about 30% less.

Can't say how 'good' they are generally because you really only know when you claim, like when mcb100 has done. That's always the problem with insurance.