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Car Insurance - Cover For Over 80S
6 Answers
I'm currently looking for car insurance, and noticed on one of the sites that anyone over 80 is not covered for personal injury etc. Is this standard? I ask not on behalf of a driver, but we often have my 80 year old mother on board.
Answers
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I'm confused! All car insurance policies within the EU must have, as a very minimum, full third party cover. That means that if the policy holder is responsible for causing injury to others (or damage to their property) the insurer must meet any reasonable claims arising from such injury (or damage). Passengers within a car are just as much 'third parties',...
18:15 Tue 25th Aug 2015
I'm confused!
All car insurance policies within the EU must have, as a very minimum, full third party cover. That means that if the policy holder is responsible for causing injury to others (or damage to their property) the insurer must meet any reasonable claims arising from such injury (or damage). Passengers within a car are just as much 'third parties', for the purposes of the insurance cover, as other motorists and pedestrians are. So I can't see how, if you caused an accident which injured your mother, any insurer could refuse to pay out on any valid claim from her against you. (It would be the equivalent of stating that they wouldn't pay out to an 80yo pedestrian that you knocked down on a zebra crossing. They simply can't make such rules).
Motor insurance policies don't normally provide any personal accident cover for the policy holder or for passengers when the policy holder is not at fault (although, of course, they can still claim against the insurance of a different driver if he caused an accident resulting in their injuries.)
So your reference to an exclusion by virtue of age has got me baffled!
All car insurance policies within the EU must have, as a very minimum, full third party cover. That means that if the policy holder is responsible for causing injury to others (or damage to their property) the insurer must meet any reasonable claims arising from such injury (or damage). Passengers within a car are just as much 'third parties', for the purposes of the insurance cover, as other motorists and pedestrians are. So I can't see how, if you caused an accident which injured your mother, any insurer could refuse to pay out on any valid claim from her against you. (It would be the equivalent of stating that they wouldn't pay out to an 80yo pedestrian that you knocked down on a zebra crossing. They simply can't make such rules).
Motor insurance policies don't normally provide any personal accident cover for the policy holder or for passengers when the policy holder is not at fault (although, of course, they can still claim against the insurance of a different driver if he caused an accident resulting in their injuries.)
So your reference to an exclusion by virtue of age has got me baffled!
Buenchico's right about the third party personal injury aspect - age doesn't come into it.
But if we're talking about personal accident cover, any payout will be regardless of anyone's fault - though many policies do have an age limit due to the frailty of older people (which includes me by the way).
But if we're talking about personal accident cover, any payout will be regardless of anyone's fault - though many policies do have an age limit due to the frailty of older people (which includes me by the way).
Thanks Buenchico - I've been poring over the site for hours now. It is actually personal accident cover that's relevant.
I must have spent hours trying to find a good quote. Our original provider was going to charge £1080 for my Hubby and I plus our eldest son to drive two cars. It looks like I can get good cover from Hastings Premier for about £600 - quite a saving!
I must have spent hours trying to find a good quote. Our original provider was going to charge £1080 for my Hubby and I plus our eldest son to drive two cars. It looks like I can get good cover from Hastings Premier for about £600 - quite a saving!
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