Convenient and comprehensive online car insurance for over 40s

woman with phone

Comprehensive car insurance for over 40s

The older we get, the more important it becomes to take better care of our finances. With age comes responsibility, but also experience. This experience is one of the factors that can make cheaper car insurance for over 40s accessible. To drive costs down further, we’ve created a self-service policy that allows you to manage your policy entirely online, 24/7, in our Customer Hub.

Marmalade’s Experienced Driver Insurance is designed for more seasoned drivers. Drivers in this age group are less likely to make a claim, and we want to reward them with comprehensive over-40 car insurance that fits around their needs. Drivers can choose between Essentials and Classic policies, depending on the budget and the level of cover needed.

Does car insurance go down when you turn 40 in the UK?

You’ll probably see your car insurance premiums go down as you head towards middle age. This means that the cost of car insurance for over 40s is often lower than the same level of cover for a younger driver. However, while age is certainly a factor in the cost, it’s far from the only consideration.

The make and model of car, how many miles you drive in a year, your postcode, your driving record and any no-claims information are just a few of the many aspects that an insurer takes into account when calculating your premiums. Of course, the only way to get a true picture of the cost is to get a personalised quote.

Average cost to insure a car for 40 year olds

Drivers aged 25–49 can expect to pay an average of £592 for their annual car insurance premiums, according to the Customer Intelligence Car Insurance Price Index (June 2022).

Compare this to the average cost for under-25s, who are paying almost three times as much for young driver insurance at £1,669. A large part of the reason for this difference is because younger drivers are statistically more likely to be involved in an accident on the road, due to their lack of experience.

Why Experienced Driver Insurance is a good option for drivers in their 40s

Choosing a specialised policy for your age group, such as Marmalade’s Experienced Driver Insurance could be a smart option, as the cover is designed around the needs of older drivers. It’s super convenient as you can manage your policy entirely online at your own convenience using our Customer Hub, and we offer two comprehensive cover options to allow you to select your level of cover.

Marmalade Essentials is our standard level of cover where repairs are guaranteed for five years, and you’ll get a courtesy car whilst your car is in for repairs. Marmalade Classic includes the same great benefits plus enhanced cover levels such as Windscreen cover and our Uninsured Driver Promise that guarantees your No Claims Discount will be reinstated, and your excess reimbursed if you’re unlucky enough to be involved in an accident caused by an uninsured driver.

Why choose Marmalade for over 40s car insurance?

Here’s five great reasons to choose Marmalade for car insurance in your 40s
  • We're rated "Great" by our customers on the independent review site, Trustpilot
  • Manage your policy online 24/7 using our Customer Hub
  • Choose between Marmalade Essentials and Classic cover options
  • Five year guarantee on repairs and courtesy car
  • 24-hour dedicated claims helpline
drivers aged 40 or over
ICS member logo
Customer Service Excellence Awards
BIBA scheme provider logo
First car award 2019 winner logo