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Car insurance for the elderly - Trilogy

Last year my mother, who is over eighty years old, paid over £400 for her car insurance. We did alot of searching on the internet yet that was the best figure we could find. This year we found insurance for less than £250 with LV, a very pleasant surprise!

Car insurance for the elderly - RT

I've heard of a few people that get good deals from LV - but I've just got a quote from them for £480 as against my existing broker quoting £360, and LV's compulsory excesses are much higher - either I'm an undersirable risk or my car is (Group 14) !!

Edited by RT on 01/06/2013 at 14:22

Car insurance for the elderly - thunderbird

Dad is 85. Last year his insurance was just over £400 at Aviva which included breakdown, rescue etc.

Just before his renewal he had an accident (his fault) plus he has been diagnosed in the early stages of Alzheimers. At renewal his premium increased to £420 but I rang up and asked if they could improve the quote, immediately dropped to £360.

Pays to ask, better in our pocket than theirs.

Car insurance for the elderly - brum

Can someone with alzheimers get car insurance? Can they remember if they had an accident in the last five years etc etc? Do they remember to declare the condition to their insurer?

I'm not trying to make jokes, but I seriously doubt if someone with Alzheimers should be driving a car at all.

Car insurance for the elderly - Bycro

Can someone with alzheimers get car insurance? Can they remember if they had an accident in the last five years etc etc? Do they remember to declare the condition to their insurer?

I'm not trying to make jokes, but I seriously doubt if someone with Alzheimers should be driving a car at all.

I think you raise a very valid point brum.
Car insurance for the elderly - RT

Can someone with alzheimers get car insurance? Can they remember if they had an accident in the last five years etc etc? Do they remember to declare the condition to their insurer?

I'm not trying to make jokes, but I seriously doubt if someone with Alzheimers should be driving a car at all.

The diagnosis of early stage Alzheimers happens more often these days as the medical profession expands it's knowledge - these patients would simply have gone undetected in the past until the later stages of the disease became apparent.

There are many conditions and diseases that notification to DVLA of their early stages doesn't warrant surrender of the driving licence - usually accompanied by a DVLA condition that doctors' advice on medication, etc is taken.

Car insurance for the elderly - thunderbird

Can someone with alzheimers get car insurance? Can they remember if they had an accident in the last five years etc etc? Do they remember to declare the condition to their insurer?

I'm not trying to make jokes, but I seriously doubt if someone with Alzheimers should be driving a car at all.

When he was diagnosed we had to send a form to the DVLA and notify his insurers. The DVLA then contacted his GP and Consultant and based on their advice gave him a licence for 12 months after which he has to re-apply. The insurers made a note but there was no additional premium, they are happy since he has done the correct thing notifying the DVLA and the professionals say its OK to drive.

Dad has been diagnosed and is getting treatment to slow down the prgression of the disease. How many people out there with Alzheimers are never diagnosed and carry on driving.

Car insurance for the elderly - Trilogy

The compulsory excess was £250, but by paying an extra £14, we got it down to £150. Also, we got about 15% because I'm already insured with them. We didn't go for breakdown cover as I've heard good reviews about www.autoaidbreakdown.co.uk/

Car insurance for the elderly - Auristocrat

We've been insured for a while with LV. A group 8 and a group 10 car.

Compulsory excess of £50 for accidents, £100 theft, increased personal accident cover, courtesy car, class 1 business use for both of us on each car and guaranteed NCD - premiums £296 and £320. Highish risk postcode (Birmingham).

Car insurance for the elderly - Engineer Andy

My Dad (70) recently changed his policy (also covering my Mum for their car - a Fiesta) from his old staff policy (he worked for several years for a firm bought by Axa) to LV, as he was rather annoyed at the poor customer care and eventually high price (despite their "staff pensioner discount").

He's said since that LV appear to be more customer-focused along the more traditional type of insurer, rather than the "dot com" approach with (in his and my view) poorly-trained/qualified customer services staff that others appear to have. I've looked at LV, but aren't that cheap compared to other yet, but I am only 39. Similar thing happened with NFU Mutual - many good reviews, but were much more expensive (more than twice the price) at over £650 for relatively low mileage in a low risk area/career.

I wonder what older posters think of the insurers who only deal with the over 50s, like Saga - I had heard that (unsubstantiated - I think I saw it on BBC's Watchdog once), like "women only" insurers, they jack up the price because people think they'll get a cheaper price because its a limited service - most (if not all) general insurers never quote seperate average price for men and women, just an average overall.

I also wonder if, once in the "over 70" (or 80) age bracket that most insurers will not want your business without charging extortionate rates, as appears to happen with travel insurance.

Car insurance for the elderly - alastairq

how old is 'old?'

I find SAGA to be a waste-of-time.

I tend to use Co-op....can be a tad antiquated in their processes...but their Customer advisers are real people, who are happy to chat given the chance.[you got oneof those? waddya fink of them? I'm looking to buy one, are they good? etc etc]

Even got my b/down cover via the policy....on the adviser's advice.....he'd discovered that, attached to the policy, the cover was cheaper, and included more features, than similar obtained directly from Brtannia [their b/down company]...essentially, if attached to the policy, one got several upgrades!

Not that I needed them....won't get me driving in any o' them furrin' places no more!

Car insurance for the elderly - RT

We've been insured for a while with LV. A group 8 and a group 10 car.

Compulsory excess of £50 for accidents, £100 theft, increased personal accident cover, courtesy car, class 1 business use for both of us on each car and guaranteed NCD - premiums £296 and £320. Highish risk postcode (Birmingham).

Must be me then - we live in a low risk postcode north of Birmingham - no business use or commuting (retired) but they still want £200 compulsory excess and a high premium.

Stick with the devil I know, I guess.

Car insurance for the elderly - Avant

A couple of years ago I moved the Z3 insurance to SAGA (Send All Grannies Away) as they were the cheapest on the comparison site I looked at. They reduced the premium in the second year, and when I sold the Z3 last month they were quick to refund me the rest of the year's premium.

Insurance premiums are a mystery, and kept that way deliberately by the companies. So it's no surprise that one company might have done well for me but been a waste of time for another.

Car insurance for the elderly - jamie745

Insurance companies essentially have a big button at their HQ labelled 'randomiser.' They use this button to calculate your policy.

Car insurance for the elderly - madf

Sometimes they want your cutom if bauisiness is slack and you are a good risk.

Car insurance for the elderly - Andrew-T

Age: 74. Full NCD, below-average annual mileage, fully comp, two named drivers, low-risk area, £250 excess.

First car, Pug 207 SW : LV= £190, plus breakdown cover

Second car, 205 convertible : Adrian Flux £150

(temporary third car, 205 convertible) : Saga £150

I don't think they are all bad, but I haven't claimed for 10 years ...

Edited by Andrew-T on 04/06/2013 at 21:35