Bargain Car Insurance - can new-style policies really lower prices? Pt 2

Older drivers are still at a disadvantage when it comes to ( secured loans ) insurance costs. With Government plans to introduce regular eye tests, along with other medical checks to be carried out three-yearly,

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Life Insurance News

driving in your older years could become prohibitively expensive. Charity Age Concern wants tests of driving fitness to be based on ability, not age, but the Association of British Insurers want mandatory tests based on a set period. Old age, they say, can slow the reflexes and eyesight can deteriorate, meaning that elderly drivers are at higher risk of ( mortgages ) accidents. According to the Association, the rate of serious or fatal accidents rises after middle age, with more accidents of all kinds per mile driven. Passengers and other road users are also all at higher risk.

After the age of 60, car insurance premiums start to get ( life insurance quotes ) higher again as underwriters become wary of taking on new clients. Here's a typical scenario from the AA: a 21 year old woman, paying £326 as a new driver, will qualify for a much reduced cost of £197at 60. Should she choose to drive at 80, however, the premium will have risen sharply to a sky-high £460.

But all is not lost; there are specific policies tailored for the older driver. With the retirement age set to rise and people expecting to enjoy a more active old age, there is clearly a need for better insurance for the elderly. Age Concern, Saga and Help the Aged all offer their own ( life insurance quotations ) specially designed policies. In fact, there are more options every day - contact an online broker and they should be able to give you all the most up-to-date information you need.

It's your policy - shop around, and make sure it's giving you what you want as well as what you pay for!