Over 50s car insurance

Over 50s car insurance? Get a quote today and see how much you could save...

Name: Over 50s Car Insurance. 5% Online Discount. Get A Quote | LV=
Brand: LV=

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Want to know more about our over 50s car insurance?

What optional extras can I get with over 50s car insurance?
Read customer reviews on Trustpilot
Question about over 50s car insurance? Our frequently asked questions have the answer...
What's not covered with our over 50s car insurance?

You're in good company. Cover your car with us and join over 3 million people like you we're already looking after.

We're a Which? Recommended Provider for 11 years running

Why choose LV= for over 50s car insurance?

Experienced drivers can save money on their car insurance
Lifetime guarantee on repairs when using our recommended repairer service, for as long as you own the vehicle. Labour only, excludes parts
5% discount when you buy car insurance online (excludes optional extras)

So, what’s covered with our over 50s car insurance?

Our over 50s car insurance protects you against all manner of motoring mishaps

Accidental damage cover...
Scratched or dented your car? We pay for repairs so it's like it never happened.
Uninsured driver promise
If the other driver's not insured and the accident's not your fault, you keep your no claim discount and there's no excess to pay - you just need the details of the other vehicle and driver.
Misfuelling cover
Accidentally added the wrong fuel? We'll pay to fix the damage to your engine and drain and flush the tank. You'll just need to pay your excess.
European cover
Get covered in the EU for up to 180 days a year at the same level as your UK cover. Perfecto! Find out more about driving in the EU.
Vandalism promise
If your car's vandalised and you have to claim, you keep your no claim discount - you'll just need to pay your excess. Here's what to do if your car's been vandalised.
Replacement child car seats
We’ll replace your child car seats if your car has been in an accident – even if there’s no apparent damage.
New locks and keys...
if your keys are lost or stolen. Accidents happen! Lost your car keys? Here's what to do...

Why is LV= over 50s car insurance cheaper?

If you've been a safe driver for a number of years, over 50s can get a much better price than younger drivers who haven't had as much experience behind the wheel.

Over 50s tend to take fewer risks, drive less and stick to speed limits.
The more driving experience you have, the less likely you are to claim.
This is taken into account when calculating your premium, so you'll benefit from cheaper car insurance.
Apart from risk, many other factors can affect your price. Remember, the cheapest car insurance is unlikely to offer the most comprehensive cover.

Find out more about how we calculate car insurance premiums

Take a look at our LV= car insurance customer reviews

Thanks to all our customers who have rated us ‘Excellent’ on Trustpilot!

What affects the price of over 50s car insurance?

Many things can affect what you pay for over 50s car insurance. Here are some of the factors we consider:

Age and driving experience – the more experienced you are as a driver, the less likely you are to claim.
Any points on your licence – driving convictions will affect your price. Be honest with your insurer from the start and you'll still be covered.
The type of car – smaller, less expensive, less powerful cars are usually cheaper to insure.
Where you live – areas with typically lower claims and crime rates have a positive influence on the cost of car insurance.
When and how far you drive – the less you drive, the less likely you are to be in an accident.
No Claim Discount – the more NCD you’ve built up, the better your price is likely to be.
Legislation – sometimes new regulations can affect your price.
Parts and labour – the cost of parts and labour are increasing and this has a knock-on effect on the price of insurance premiums.
The rising cost of claims – more sophisticated cars are usually more expensive to repair.

You might be worried about the cost of living - make sure you're only paying for the cover you need. Read our top tips for cheaper car insurance.

What are car insurance groups?

There are 50 car insurance groups with a ranking system to help insurers work out premiums.

The less likely a car is to be damaged and the cheaper the cost of repair, the lower its insurance group. Fast accelerating, high performance cars are usually in the higher insurance groups.

Read our guide for more on how we work out the cost of car insurance.

Frequently Asked Questions

Can I insure two cars at the same time?

Yes, there are two ways to do this. You can either take out a multi car insurance policy, or you can take out two separate car insurance policies. If you choose our multi car insurance, we'll give you an extra discount and you can insure up to 6 vehicles on one policy.

Get a car insurance quote online.

If you want to add another vehicle to your policy temporarily, you'll need to call us for a quote on 0330 678 6545

Lines Open:

9am - 5pm Monday to Friday
Closed Saturday, Sunday and Bank Holidays

For TextPhone first dial 18001. Calls will be recorded.

Am I covered to drive other cars?

If it shows cover for Driving Other Cars on your policy documents, we'll cover you so you're legally allowed to drive someone else's privately owned car, even if you aren't named on their insurance. This type of cover is referred to as Third Party Only.

This means if you're involved in an accident that's your fault, our policy will cover any damage you may cause to a third party or their property, but we won't cover the car you're driving at all. The owner won't be able to claim for the damage you caused to their car under their own policy either, as you're not named on their insurance.

Whether you’re covered or not, by law the owner still needs to make sure they’ve insured the car to avoid any issues with the police.

As the cover is minimal it's only meant to be used on rare occasions or in emergencies, if you'll be driving someone else’s car on a regular basis, you should get yourself added to their insurance.

If you can't find your LV= insurance documents:

Just log in or register for an online account plus download the Alexa Skill to make fact-finding easier.

How do I request proof of my no claim discount (NCD)?

Am I covered if I put the wrong fuel in?

Damage caused by using wrong fuel – if you’ve accidentally started your car after using the wrong fuel, we’ll pay to fix the resulting damage to the engine and drain & flush the fuel tank*. You’ll just have to pay your excess. We’ll agree with you how best to arrange repair - if you’ve already made arrangements we’ll only consider payment if you provide us with receipts for the work.

To make a claim for misfuelling, please call us on 0330 678 5550 - we'll be happy to help. Lines open 24/7 (Calls will be recorded). For Text Phone first dial 18001.

How can I get the maximum no claim discount?

Have another question?

More about LV= car insurance

What's not covered?

Any drivers who aren't named on the policy
Damage to any car you're driving that's not the car you've insured with us
If the car's stolen when the keys were left in the car, the engine was running or it was left unlocked
Mechanical or electrical breakdown
Any vehicle that's already been classified as a Category A or Category B write-off

Read our most common examples of what's not covered in our claims considerations guide

Optional extras

Check out our range of optional extras

Motor legal expenses

£25.99 per year

For £25.99 per year, Motor legal expenses cove r protects you from the potential costs of legal action if you're involved in a car accident.

You might need legal help to take action against a road user - or defending against a motoring prosecution. This can be expensive so we’ll cover you for up to £100,000 in legal expenses.

You can use motor legal expenses cover to help you recover any uninsured losses, like personal injury compensation, loss of earnings or hire car costs while your vehicle is being fixed. Find out more about Motor Legal Expenses.

Guaranteed hire car if yours is off the road

£19.90 per year

Our guaranteed hire car cover promises you use of a hire car if your own car is being repaired by our recommended repairer service, or has been stolen or written off.

The cheapest hire car we offer is £19.90 per year and you're guaranteed a small 3 door hatchback hire car.

For £49.99 per year, you're guaranteed a medium family sized car with 5 doors or a 7-seater. Find out more about Guaranteed Hire Car.

Extended personal accident cover

£100,000 personal accident cover

If you, your partner or a named driver on the policy suffer a serious injury while travelling in, or getting in or out of your car, our comprehensive car insurance protects you with £10,000 personal accident cover.

For just £15 per year, you can increase your personal accident cover to £100,000 (per eligible person).

You'll also benefit from additional cash payments if you, your partner, or a named driver are admitted to hospital or have broken bones because of an accident in the car.

You can also get sessions with a physio or a mental wellbeing specialist to help your recovery.

Find out more about Extended Personal Accident Cover.

Breakdown cover

From £24 per year

You can add breakdown cover to your car insurance from just £24 per year for each car.

Britannia Rescue gives you access to over 4,000 breakdown professionals across the UK who will help to keep you moving. There are five levels of cover to choose from Roadside Assist to UK and European Assist. Find out more about Breakdown Cover.

Protected no claim discount (NCD)

You earn a year of no claim discount (or no claim bonus) for every year you don’t claim on your car insurance. The more years of NCD you’ve built up, the bigger the discount on your car insurance when you renew. With LV= you can earn up to a maximum of 9 years NCD.

If you have to make a claim on your policy, and we can't recover our costs from the person or people who are at fault, your NCD may be reduced.

If you’ve earned four or more years NCD, you can add this optional extra to protect your NCD for the life of your LV= policy. Find out more about Protected No Claims.

Policy documents

What do our customers think of our car insurance?

See all car insurance reviews

We're always in top gear when it comes to car cover

Our awards and recognition

Given the prestigious Defaqto 5 Star Rating
A Which? Recommended Provider for 11 years running
LV= car insurance rated 4.7 out of 5 based on 3,482 customer reviews independently verified by Feefo
Correct as of 20 January 2025

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