£1k insurance for 86 yr old Fiesta driver?

[Frimley111R]

My mum's car insurance has doubled in a year. She's 86 but a good driver with no claims etc living in a nice area and doing 3000 miles a year. Cheapest quote on a comparison site is nearly £1000!

Is this the std for car insurance now? Her Fiesta is only worth £4000 too.

It's possible that her age affects the premium but it was only half this year ago.

[trickywoo]

Prices have shot up generally and the old and young all get hit with the age group risk profile.

[fflump]

Shop around. Your mother’s underwriter probably has some cliff edge risk profile for over 85s.

[Frimley111R]

Will have another look, thanks

[PurpleTurtle]

My 82yo Mum has a Polo with AA, it has increased considerably this year.

I shopped around via Compare The Market, ended up paying 60% of what AA were asking.

[anonymous-user]

Frimley111R said:

It's possible that her age affects the premium but it was only half this year ago.

It's more than possible, it's a certainty. Premiums will be higher due to increased risk usually from 75+, and then jump up again once you go past 85.

[balise]

Not surprised, the risk profile rises quite steeply as you get older. It may be worth adding younger people to the policy maybe?

[Puddenchucker]

Recently had similar with an elderly family member.
Last year just over £400. Renewal £640.
After a bit of use of the comparison sites, down to just under £420.

[Sheepshanks]

Frimley111R said:

It's possible that her age affects the premium but it was only half this year ago.

My Wife is 64 and her insurance went up 68% this year. Shopped around and anyone you'd heard of was even higher. I tried getting quotes with her as 45 and they were slightly dearer.

Going back 4 or 5 yrs, FIL was paying £200/mth at 90 for his Astra.

[Dingu]

Also worth note that the value of her car isn’t that relevant. That’s a known capped cost. if she hits something then that’s unknown and often much more costly. Especially if someone is injured.

[richhead]

My mums has shot up this year, she is 81 and has a 10 year old Fiesta, good area, garaged etc, she did have an at fault claim about 3 years ago tho, although it didnt seem to affect the premium at the time.
Shopping around managed to get it down to around 600 from memory.
2 years ago it was 200.
TBF i went in her car the other day, and she is starting to show signs of "old person" driving, she was always a very good driver.
Not to worried atm, but feel "that talk" will be on the cards soon.
The joys of elderly parents, they are a worry, especialy as shes on her own now.

[MustangGT]

Dingu said:

Also worth note that the value of her car isn’t that relevant. That’s a known capped cost. if she hits something then that’s unknown and often much more costly. Especially if someone is injured.

Indeed, and new or nearly new cars are generally less to insure than older ones, the insurance companies believe you are going to be more careful with it.

[Vizsla]

Chris Peacock said:

Frimley111R said:

It's possible that her age affects the premium but it was only half this year ago.

It's more than possible, it's a certainty. Premiums will be higher due to increased risk usually from 75+, and then jump up again once you go past 85.

Bear in mind that ALL premiums have gone up quite steeply in the last year or so, I don't know anyone whose premium has not.

Having said that, you can't argue with the stats - old folk do have exponentially more accidents as they age (I'm 77, oh goody!) I'm still pretty fit and alert, no medical issues at all, but my fantasy of getting a Ferrari if we win the lottery is probably just that, doubt I'd get any quotes at all.

Use Moneysupermarket and accept the cheapest, switching every year is very little hassle.

[Sheepshanks]

MustangGT said:

Dingu said:

Also worth note that the value of her car isn’t that relevant. That’s a known capped cost. if she hits something then that’s unknown and often much more costly. Especially if someone is injured.

Indeed, and new or nearly new cars are generally less to insure than older ones, the insurance companies believe you are going to be more careful with it.

In ‘testing’ different parameters to see what could be changed to affect wife’s car insurance I reduced the value of her car from £20K to £5K - most quotes dropped 25%. Others didn’t change but could be they value off the reg number.

[languagetimothy]

richhead said:

My mums has shot up this year, she is 81 and has a 10 year old Fiesta, good area, garaged etc, she did have an at fault claim about 3 years ago tho, although it didnt seem to affect the premium at the time.
Shopping around managed to get it down to around 600 from memory.
2 years ago it was 200.
TBF i went in her car the other day, and she is starting to show signs of "old person" driving, she was always a very good driver.
Not to worried atm, but feel "that talk" will be on the cards soon.
The joys of elderly parents, they are a worry, especialy as shes on her own now.

My late mother was 86, but she stopped driving at 84 after having a disagreement with a friends driveway wall…car was an old, but very good condition and low mileage Clio. Insurance wrote it off. (Shame, I had my eye on it as a shed!). Anyway… I had “that talk” with her, I had also a few years before pointing out that all the money she sp3nds on insurance, fuel, servicing etc she could get cabs and she often had friends, or me, taking her somewhere.

Anywho.. think she was with SAGA.. maybe..

[Dracoro]

MustangGT said:

Indeed, and new or nearly new cars are generally less to insure than older ones, the insurance companies believe you are going to be more careful with it.

More likely that modern cars have collision avoidance systems, I would have thought....

[anyoldcardave]

Dracoro said:

MustangGT said:

Indeed, and new or nearly new cars are generally less to insure than older ones, the insurance companies believe you are going to be more careful with it.

More likely that modern cars have collision avoidance systems, I would have thought....

That is very true for young drivers, not sure it is for the Elderly, tech can be very confusing to them, not all, but for some it is way too much.

[Dracoro]

anyoldcardave said:

Dracoro said:

MustangGT said:

Indeed, and new or nearly new cars are generally less to insure than older ones, the insurance companies believe you are going to be more careful with it.

More likely that modern cars have collision avoidance systems, I would have thought....

That is very true for young drivers, not sure it is for the Elderly, tech can be very confusing to them, not all, but for some it is way too much.

The most common accident as I recall is someone driving up back of someone else (not concentrating, in traffic etc..., happens all the time).
So the front collision avoidance reduces that significantly - one reason why I was surprised a few years ago that insurance (middle aged driver btw) on my old Golf R was so cheap.

As this on by default on most (modern) cars, it's a feature that affects all user/age groups. This will assist drivers whether or not they are confused by it. All they know if that the car stopped itself before ramming up the back of someone

[Kevin-2g5x2]

My 96 yr old Dad must be one of the oldest drivers in Uk (Sure someone on here will know someone older), drives a qashqai 2.0 auto, last year paid £800, and says he won't pay over a grand at renewal in October, I've started shopping around for him and think he's in for a shock, cheapest £1200 most expensive £4k. Having been a rep all his working life and driven everywhere will find it hard to call it a day, don't want to get into a 'too old to be safe driving' debate on here, had the debate with him, laughs that Saga who are supposed to support the elderly are one of the most expensive, he feels he's got another year left in him, we'll see at renewal!.

[Missy Charm]

Didn't realize they were making the Fiesta 86 years ago...