How does car insurance for older drivers work?
We understand that older drivers often have years of experience behind the wheel, but once you hit 65, insurance prices can start to climb. That’s why we’ve partnered with Ticker to offer telematic car insurance for over 65s. If you drive well, you could get a better price at renewal, helping you manage rising insurance costs for older drivers.
Who are Ticker?
RAC have teamed up with Ticker, an award winning, UK-based telematics insurance specialist. Rated ‘Excellent’ on Trustpilot, with Ticker you manage your black box insurance policy directly through the RAC Black Box app.
Customer support is provided through app-based chat only (always with a real person). This is unless you’re making a claim – the claims phone line is open 24/7.
How does it work?
When you choose our cover, you’ll receive your self-install black box directly to your door. You’ll receive clear instructions on where to install it, and then you’ll start seeing weekly feedback on your driving in the app.
This will give you feedback on how you actually drive — things like smooth braking, careful speed, and safe cornering. No restrictions, just fair, simple data that reflects your real driving habits.
Device sent by post
You’ll receive a self-fit telematics device in the post along with simple instructions on how to install it.
Simple setup
You’ll need to register in the app within 24 hours of your cover starting. The device needs to be installed as soon as you receive it.
Check the RAC Black Box app
Your app will confirm your device is connected. Your score will be updated in the app every Monday.
Manage your policy via the RAC Black Box app
With this insurance for older drivers, customer service is fully digital via the RAC Black Box app, so there is no need to wait to speak to someone on the phone. The app is where you’ll find everything you need to manage your cover, all in one place. You can make quick changes to your policy, start a chat with an online agent, get help with making a claim or renew your policy. In the app you’ll also be able to view your current driving score - the higher your score, the more likely you’re to get a lower price when it's time to renew.
Is older driver insurance right for me?
If you're 65 or over and want fair pricing based on how you drive, this cover could be a great fit. It's ideal for considerate, experienced drivers who want to stay in control of rising insurance costs
You can be offered cover if:
- At least one driver on the policy is aged 65 or older
- All drivers on the policy own a full UK driving licence, held for 5 years or more
- The vehicle is privately owned and worth less than £50,000
Is older driver insurance right for me?
If you're 65 or over and want fair pricing based on how you drive, this cover could be a great fit. It's ideal for considerate, experienced drivers who want to stay in control of rising insurance costs
You can be offered cover if:
- At least one driver on the policy is aged 65 or older
- All drivers on the policy own a full UK driving licence, held for 5 years or more
- The vehicle is privately owned and worth less than £50,000
What does it include?
This insurance is comprehensive as standard. This means you’ll receive a number of benefits when you choose this insurance for older drivers. This includes:
- Personal accident cover for the driver and others
- Protection if you’re hit by an uninsured driver
- A courtesy car if yours is with our nominated repairer
- Child seat cover up to £150 per seat
- Cover when driving in Europe up to 30 days
What does it include?
This insurance is comprehensive as standard. This means you’ll receive a number of benefits when you choose this insurance for older drivers. This includes:
- Personal accident cover for the driver and others
- Protection if you’re hit by an uninsured driver
- A courtesy car if yours is with our nominated repairer
- Child seat cover up to £150 per seat
- Cover when driving in Europe up to 30 days
What customers are saying about our partner Ticker
What’s covered with car insurance for older drivers?
What's covered
30 days cover in the European Union (same level of cover you have in the UK)
Cover for accessories
Emergency treatment
Courtesy car as standard (subject to availability and eligibility, if using our nominated repairer)
Repairs guaranteed (for 5 years at approved garages)
Replacement locks and theft of keys
Sound and sat-nav equipment - up to £300
Window glass cover
New car benefit
Personal accident benefit - up to £5,000
Medical expenses - up to £200
Personal belongings - up to £300
Uninsured driver promise
Transport home after an accident - anywhere in GB
Child seat cover
24/7 claims line
What's optional
RAC Breakdown Cover - Choose from a range of cover levels to keep you moving in the event of a breakdown.
Motor Legal Protection - Cover up to £100,000 of legal expenses
NCD Protection - You can add this when you buy your policy
Why older drivers should choose black box cover
We believe that safe driving should be rewarded, no matter your age.
Our black box assesses how you drive throughout your policy. This means you’ll be rewarded for good driving at renewal, helping you avoid rising costs for over 65s.
You stay in control with the RAC Black Box app, where you can check your driving and get help from a real person.
Your driving data is private and never shared with other insurers. It’s a fairer, smarter way for older drivers stay on the road and save money by being a considerate driver.
Insurance for older drivers explained
Car insurance can get more expensive for older drivers, especially after age 65. This is because insurers see a higher risk of accidents as people get older.
This can be due to slower reaction times or age-related health issues. Even if you’ve been driving safely for years, insurers often raise prices based on statistics, not your personal driving history.
That’s why options like black box insurance can help, by showing how safely you really drive and helping you get fairer prices.
Yes, car insurance can be cheaper if you're retired in the UK. That’s because retired drivers often drive less and at quieter times of day, which lowers the risk of accidents.
Many insurers also see retirement as a sign of a more relaxed lifestyle. However, once you reach age 65 and beyond, prices can start to rise again due to age-related risks.
Choosing a policy that looks at how you actually drive, like black box insurance, can help keep your costs down.