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Over-50s’ Car Insurance

We think that safer, older motorists deserve extensive cover and lower premiums…

By the time you're in your fifties, you've had plenty of time to prove how good a driver you are. You’re either a safe bet on the road or you're not – and you’ve got a claims record that shows it.

We value older drivers because they’re usually safe and experienced. You know the roads, you know how to handle a crisis and you know you’ve got nothing to prove. Our Car Insurance policies are straightforward and comprehensive. Read on to find out more.

We like individuals

We know that the over-fifties are a diverse bunch.

Whether you’re still bringing up a family or caring for grandchildren, working or retired. Taking advantage of your free bus pass and driving less often, or touring the UK in your sports car. Whatever you’re doing, we’ll find the right cover for you.

We reward experience

If you're a safe and respectful driver, you shouldn't have to pay higher premiums because of other motorists. That's why we offer a 70% discount for drivers with at least five years of No Claim Discount.

All other people aged 19 and over on your policy can earn their own No Claim Discount too. They can’t transfer it to other insurers, but they will be able to get a cheaper premium from us if they take out a policy in their own name in the future

Our benefits

Eight days of full policy cover in the European Union (EU), at no extra cost

Which might make that driving tour of France just a little bit more appealing.

24-hour accident recovery

So if your car isn’t safe to drive following an insured accident, we’ll come and get it, day or night.

Replacing stolen keys

If your car keys are stolen, then we’ll pay for the keys and locks to be replaced (up to a cost of £750). And we'll arrange it all too, to save you a bit of time.

Handy extras to add to your policy

So that you can make sure you’ve got the right cover for your car and never find yourself without the right insurance.

Taking your car abroad

If you take your car to Europe for more than eight days a year, then you might want to add our Extended Foreign Use option to your policy.

It's £30* a year extra, and it means you have the same level of cover in the EU that you get in the UK, all year round (as long as each trip is 90 days or fewer).

Getting a courtesy car

One of our most popular add-ons is Enhanced Courtesy Car cover, which costs £18.50 a year*, so if your car’s stolen, or if it’s a write-off, you can have a saloon or hatchback similar to your own (up to a maximum of 1.8ltrs).

Covering legal expenses

Having our Motor Legal Expenses Insurance costs £25 a year* and gives you up to £100,000 of legal fees cover, so you could claim back any money you lost on missed appointments or days off work. It also includes a legal advice service.

Breaking down

Our Car Breakdown Cover is £51* in your first year and normally £62* a year after that.  

It’s worth checking if you already have breakdown cover as part of another package – your bank account, for example. We don't want you to pay for something you don't need.

*Please bear in mind the cost for any of these services may vary when you come to renew your insurance.

Keeping your premiums down

As you reach an age where you have more freedom and fewer responsibilities, no doubt you’ve got something better to spend your money on than car insurance premiums.

We want to help you keep your insurance costs down, which is why we offer such a substantial No Claim Discount, but there are other things that you can do to lower your premiums, like:

  • not driving as many miles
  • using your garage or driveway to store your car overnight, if you have one.

The type of car you have will also have a big impact on the premium we offer, so if you're planning on splashing out on a sports car as a retirement present to yourself, it might be worth getting a quote for the insurance before you buy it.

Most people reduce their premiums by raising their excess or not buying add-ons, but this can be a risky approach. Make sure the overall excess is an amount you can actually afford, and don't leave yourself underinsured by cutting back on services that you really need.

Exclusions and limitations apply, please refer to policy documents for full details.

Co‑op Car Insurance is normally available to customers aged 17 to 75 years only.

Motor Breakdown Cover and Accident Recovery Service are provided on behalf of Co-op Insurance by AXA Assistance (U.K.) Ltd; Registered in England and Wales under company number 02638890. Registered Office: The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. AXA Assistance (U.K.) Ltd is authorised and regulated by the Financial Conduct Authority under register number 439069.

Breakdown offer only applies when purchased with Co-op Car Insurance. Not available on Co-op Ecoinsurance. No obligation to purchase as part of the policy, this is an added extra.

Motor Legal Expenses cover is underwritten by CIS General Insurance Limited, with the legal services provided by Co-op Legal Services, a trading name of Co-operative Legal Services Limited; registered in England and Wales under company number 05671209. Registered office: 1 Angel Square, Manchester M60 0AG. Co-op Legal Services is authorised and regulated by the Solicitors Regulation Authority under registration number 567391. Co-op Legal Services' professional rules are set out in the SRA Code of Conduct. The SRA Handbook, which includes the SRA Code of Conduct, is available online at

Applicants for insurance are subject to normal underwriting criteria.