We’ve talked a lot about young people and their car insurance needs – but what about drivers at the other end of the scale? People who have reached the age of 50 are likely to have a bit more cash to splash on luxury goods like cars. When you have a nice car, there is no doubt that you will want to protect it with specialised car insurance.
Car insurance is a legal requirement in the UK, meaning that motorists need to have a policy in place before they hit the road. This is for good reason, too, as if you should be unfortunate enough to be involved in an accident, insurance will make sure you are not left out of pocket and having to think about financial matters when you should be concentrating on other things.
Car insurance from Staysure offers a number of perks, including a free courtesy car, 90 days of European cover, which is included free, and specialised classic car insurance if you need it. What’s more, motorists can tailor car insurance to their own individual needs, like breakdown, legal and windscreen cover. There is also a 24 hours claims line in case drivers get stuck and need help.
If you’re an over-50s motorist, make the most of reduced premiums
While every driver is different, with age comes experience, and the great thing about using a insurer that specialises in over-50s motorists is that they can pass these savings back onto you. Over-50s insurance companies are experienced in dealing with this demographic, meaning they know the types of things you want from your cover.
Make sure you add on legal expenses cover
Legal expenses cover is an essential add on for any driver. If you have ever been in a collision you will know that there can be a bit of a legal dispute afterwards. Spending a little extra when you take out your policy could save you literally thousands of pounds in the long term. For example, Staysure customers only have to shell out £18 extra on their policy to protect themselves against up to £100,000 of legal costs.
Furthermore, people who take out this option will also have experts on hand to help them claim back any uninsured losses, such as policy excess, damage to clothes, luggage or belongings, compensation if you are injured and compensation to your family should the accident be fatal.
There are many ways in which you can cut your premium
People who realise the importance of having a good car insurance premium but want to save a bit of money can do so rather easily. There are a number of ways to cut the money you need to pay out on car insurance, and one such is example is for you to keep your car safe at night. Garages and driveways are known to be a big deterrent for thieves, so it makes sense that making sure your car is tucked up safely at night will drive down premiums.
Increasing car security by installing a car alarm or an immobiliser does not have to cost you much, but it can really reduce the cost of car insurance simply because, once again, it makes your vehicle more difficult to steal.
Cutting your annual mileage, increasing excesses and building a No Claims Discount are other great ways to ensure you have a great policy without shelling out that much.
- This is an advertorial for Staysure car insurance
Is the Editor of the Parkers website and price guide, formerly editor of Classic Car Weekly, and launch editor/creator of Modern Classics magazine. Has contributed to various motoring titles including Octane, Practical Classics, Evo, Honest John, CAR magazine, Autocar, Pistonheads, Diesel Car, Practical Performance Car, Performance French Car, Car Mechanics, Jaguar World Monthly, MG Enthusiast, Modern MINI, Practical Classics, Fifth Gear Website, Radio 4, and the the Motoring Independent...
Likes 'conditionally challenged' motors and taking them on unfeasible adventures all across Europe.