What is over 50s Car Insurance?
Comprehensive car insurance for practised drivers
Marmalade offers Over 50s Car Insurance designed for road users who have been driving for a few years. This policy is designed for drivers who are statistically less likely to make a claim and just want convenient, easy-to-manage car insurance. We offer two comprehensive options to help you find the right level of cover for your circumstances.
Factors affecting car insurance premiums
What Affects the Price of Car Insurance?
Insurance prices depend on several factors and can fluctuate for various reasons.
Your car insurance premium depends very much on your personal circumstances. This includes the value of your vehicle, your occupation, your address, and your claims history. Insurers must also consider the cost of labour, parts and more when pricing premiums.
Can I Reduce My Premiums?
There are things you can do to try and bring down the cost of your Over 50s Car Insurance. These include:
Limiting your mileage – driving fewer miles per year makes you less of a risk to your insurer. If you report a low mileage which is true to your usage, your quotes may be cheaper.
Building your No Claims – if you’ve built up a good motoring history without making claims, you may see a reduced premium in return.
Adding security features – by fitting alarms and immobilisers, you make it more difficult for thieves to break into your vehicle. If you have a high-value vehicle, installing such features may be a condition of your insurance.
Weighing up which car you want to purchase – before you buy a new set of wheels, get a quote for insuring it – this will give you a broader understanding of total ownership costs, including your insurance. Cars with bigger engines often cost more to insure.
Thinking about where you park – keeping your car off the road overnight (in a garage or on a private driveway) will lessen the chances of your vehicle being damaged or stolen. This lowers your odds of making a claim and may mean you get a cheaper quote.
Paying annually – if possible, aim to pay your insurance annually instead of monthly. Paying one lump sum will cost you less overall.
Comprehensive Car Insurance for Over 50s
Marmalade’s Over 50s Car Insurance has been developed specifically with the needs of more seasoned drivers in mind. By offering an entirely self-service policy, we give you the ability to manage your policy at your convenience in our Customer Hub.
What's included in your cover?
| Cover type | Marmalade Essentials | Marmalade Classic |
|---|---|---|
| Damage to your car | Up to market value | Up to market value |
| Courtesy car (whilst yours is being repaired at a recommended repairer) | For the duration of repairs | For the duration of repairs |
| Repair Guarantee | 5 years | 5 years |
| Personal Accident | £5,000 | £5,000 |
| Personal Belongings | £150 | £250 |
| Emergency medical treatment | × | £250 |
| Replacement locks and keys | £300 | £750 |
| Using your car abroad | Minimum cover required by law for up to 90 days | Comprehensive cover for up to 90 days |
| Windscreen and glass cover | ||
| Uninsured Driver Promise | × | |
| Vandalism cover | × | |
| New car replacement | × | Up to market value |
This summary does not describe all the Terms and Conditions (PDF 30.8KB) of your policy, so please take the time to read the full details when you get your insurance quote.
Over 50s Car Insurance features:
Our experienced driver insurance offers lots of benefits:
- Your policy is easy to manage in your online account 24/7
- Choose between Marmalade Essentials and Classic cover options
- Five-year guarantee on repairs if you use our recommended repairer
- Courtesy car for the duration of the repairs (unless your car is stolen and not recovered, or a write-off)
- 24-hour dedicated claims helpline
Getting a quote
What you need to get a quote
Car insurance up for renewal? If you’re looking for a quote with a new insurer, there are a few details you’ll need to have to hand…
Personal details such as your address and occupation
Information about your vehicle including make, model and annual mileage
Driving history including any claims or convictions and how many years’ No Claims Discount you have
Policy start date this will be the date your insurance must start to ensure seamless cover
Other drivers we’ll need details of any other drivers you’ll be adding to your policy
Cover type you’ll need to decide in advance whether you want comprehensive, third party, or third party fire and theft cover