The breakthrough with my mum was adding up what it cost her to keep the car and proposing she put that into a taxi fund.
I believe that NFU and Cornish Mutual insurance won’t take on new customers over the age of 70. I’m keeping a foot in both camps to keep my options open!
When we had almost been wiped out by the late MiL driving we decided enough was enough.Do what we did with my dad when he got too old to drive, my brother managed to lock the handbrake up so tight Dad couldn’t release it so decided himself not to bother driving again
Yes = it's called Saga
www.ageco.co.uk
Neither are Saga - but they are good. They paid out when my 1st PVC was stolen, and because it was so old and hard to value, they paid me £2k more than it cost me to buy.Age UK also do car insurance but they aren't cheap!
Over 70s Car Insurance - Get a Quote Today | Age Co (owned by Age UK)
Age Co Over 70s Car Insurance provided by LV=. Every Age Co Sale Helps Age UK's Charity Work. Get A Quote Online.
Have you tried third party fire and theft?
Admiral don’t load insurance until age 90!
The problem that you have now is that when you are obtaining quotes insurance companies ask have you ever been refused insurance and your reply will be yes and then they will add a premium to your quote.
I know I am a little late to this discussion, but having recently assisted my mother in renewing her insurance at the age of 84, we came across some similar issues. We insured through Tesco Bank and they were 'reasonably' priced compared to others that would offer insurance. Her problem was that for most of her life she was the named driver on my father's insurance, prior to him being diagnosed with Alzheimer's and not being ablate drive any more, and therefore hadn't had the full NCD that she could. Tesco have applied 7 years now on her policy, even though she has not had an accident or conviction in 45 years! This makes a difference of more than £100 to the premium than if the maximum of 9+ was applied, but hopefully they will continue to keep insuring her for the foreseeable future as they don't appear to refuse based on age alone.
Ditto - Suggesting Tesco Bank.
I’m with Saga for my car and motorhome.
Think about how you would / or your parent would feel it they caused a serious accident and you knew beforehand that they weren’t fit to drive.
This is actually why wording on insurance is very important. Legally the OP has NOT been ‘refused’ insurance so he doesn’t need to declare any refusal. As previously been said he has only been advised that on renewal he will not meet the criteria so if he does not apply to them he will not have been refused.
It would be interesting to ask for this evidence from a reliable source that backs up the claim that at 75 one suddenly becomes a greater risk than when one was 74yrs old.
I think there's a great difference between not fit to drive and thought to be not fit to drive just because of age?
Has anyone said that age alone should be a reason to stop driving? I think most posts mentioned age as the likelihood of loss of capacity increases with age unless anyone thinks otherwise . As we all know age doesn't come alone. My dad gave up driving after pulling out in front of another car and causing an accident I suspect my mum said she wouldn't go in the car anymore with him. My mil has recently had a small accident after driving through a red light. Both could have caused a death had a motorcyclist been involved. Should everyone sit back and say that the person involved is able to assess their own fitness and not comment? Which is better saying something before there's a more serious accident or waiting until there is one.Not fit to drive, I agree should stop or be stopped, that’s just common sense.
The OP just can’t get insurance and asked for some ideas. The thread then moved onto effectively suggesting that age is the major factor in stopping driving and how to stop your aged relatives from driving.. Surely it should be based on capacity to drive and not age.
it maybe a sliding scale of probabilities not that you suddenly become incapable but from a population of X y number will have physical and cognitive decline and therefor a greater risk in insurance terms. No that doesn't mean some people are less capable.It would be interesting to ask for this evidence from a reliable source that backs up the claim that at 75 one suddenly becomes a greater risk than when one was 74yrs old.
Can someone, more techi than I, provide it on here?
but these days he will be amongst those in the aging population whose skills are diminishing and probably due to his Parkinson's. Mind you I wouldn't be the one to tell him to consider if he should still be driving 
Ageism is getting to be a real problem and an excuse for increasing premiums so difficult to avoid if you want to stay on the road.
Have you tried a comparison website like Confused.com ? As previously said when asked if you've ever had insurance refused answer NO, the insurer has declined to insure you not refused. A very subtle but big difference.
Yep, she is the kind of risk which puts up prices for that cohort.It may be time to have "that awkward" chat with her if she's missing Red lights and hitting stuff...
Cheers
Red.
It is rarely cheaper now, and some insurers will not promote it.
Although I have been retired five years now, I used to be head of customer services and business retention of an over 50s insurer. In the course of my role I had access to the claims data for all the cohorts by age. The evidence was clear that there was a significantly higher claims ratio as drivers aged, particularly from 75 up,and from 80 up it was pretty horrendous.It would be interesting to ask for this evidence from a reliable source that backs up the claim that at 75 one suddenly becomes a greater risk than when one was 74yrs old.
Can someone, more techi than I, provide it on here?
...they are!Insurance companies! It gives you the impression they're just after your money!
I was more concerned for any Motorcyclist, Cyclist or Pedestrian that she could maim or kill and her mental state should she do so TBH.
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