Temporary insurance for over 50s

Skip the annual commitment! Instead of owning a car and buying cover every year, drivers over 50 & 60 can get affordable hourly, daily, weekly or monthly insurance to borrow a car or van instead. Fast quotes and fully comprehensive cover with our easy-to-use app.

2 million+ vehicles insured
9 million+ policies sold

Can you get temporary insurance if you’re over 50?

Yes. It's easy to get a quote in the Cuvva app - and the good thing about being a more experienced driver is you are likely to get a better deal than younger age groups, too! You can borrow almost any car or van using the app if you’re under the age of 70 - getting a fully comprehensive insurance policy of your own in under 5 minutes, for [hourly](https://www.cuvva.com/car-insurance/temporary/1-hour), [daily](https://www.cuvva.com/car-insurance/temporary/1-day) or [weekly](https://www.cuvva.com/car-insurance/temporary/1-week) durations.

car coming out of phone

How does age impact car insurance prices for over 50s?

Car insurance premiums are based on ‘risk’ - in simple terms, how likely it is that you’ll be involved in an incident and need to make a claim, costing the insurer money. The less ‘risky’ a driver, the cheaper their car insurance will be - because the insurer is less likely to have to shell out.

Happily for drivers over 50, older drivers are seen as being less risky than younger drivers. This is because they are broadly more experienced on the road, with years of experience behind the wheel. They are also seen as less likely to drive dangerously or erratically compared to younger drivers. This means that temporary insurance for over 50s will usually be cheaper than the same short-term policies for younger drivers.

This isn’t always the case though, because a lot of things are considered alongside a driver’s age - including their driving history, their location, the car they’re driving, and much more. But it does make a good deal on your car insurance more likely.

a phone with coins on

How much does over 50s temporary insurance cost?

Your car insurance quote depends on a huge number of things, but we’ve found some typical prices to help give you an idea.

Over 50s tend to save on their car insurance. For example, temporary insurance tends to be around 38% cheaper than all the younger age groups combined. For [1 hour’s insurance](https://www.cuvva.com/car-insurance/temporary/1-hour), for example, you can expect to pay around £12.87, which is approximately £3.77 cheaper than other age groups. For [6 hours](https://www.cuvva.com/car-insurance/temporary/1-day), it’s around £16.10, which is around £9.58 cheaper than other age groups.

piggy bank illustration

Short-term, flexible car insurance from Cuvva

Flexibility
Flexibility
Buy a policy in minutes
Extend instantly if you need more time
Policies from 1 hour to 28 days, all sorted via the app
Policy docs sent to your phone
No deposits, interest, tie-ins or credit checks
Peace of mind
Peace of mind
Fully comprehensive cover
Highest category of insurance available
Car owner's no claims bonus is protected
Cover for damage to the vehicle, damage to other people’s vehicles, personal injury plus more
[Breakdown cover](https://support.cuvva.com/en/articles/8167008-breakdown-cover)
Insurance for all
Insurance for all
[Learner driver insurance](https://www.cuvva.com/car-insurance/learner-driver) to nail those manoeuvres
[Temporary van cover](https://www.cuvva.com/car-insurance/temporary-van-insurance) to lighten the load
[Test drive insurance](https://www.cuvva.com/car-insurance/temporary/test-drive) before you buy
[Drive away insurance](https://www.cuvva.com/car-insurance/temporary/drive-away) for new cars
[Borrow a car](https://www.cuvva.com/car-sharing/borrow-a-car) or [lend out your own](https://www.cuvva.com/car-sharing/lend-a-car)

Over 50s insurance common questions

Does Cuvva have any health requirements for mature drivers?
All drivers, regardless of age, must ensure they're fit to drive and meet the eligibility criteria set in the app. If you have any health concerns that may affect your driving, it's important to consult with a medical professional and inform the DVLA if necessary.

What's included, and eligibility criteria

You get the highest level of cover on temporary car insurance - fully comprehensive, just like you would with an annual policy.

What you’re protected against
Damage to your vehicle up to £40k
Damage to third party property up to £2m
Your legal liability to other people arising from an accident
Attempted theft
[Theft](https://www.cuvva.com/how-insurance-works/stolen-cars)
Fire damage
[Carriage of own goods](https://support.cuvva.com/en/articles/89933-can-i-use-cuvva-cover-for-my-business) business use - for vans as well as cars
Up to £400 for after-fit audio equipment and £100 for your things
Driving after 10pm
Who is eligible for temp cover
For full licence holders, you’ll need to be aged 19-70 to use Cuvva. If you’re under 21, you’ll need to have held your licence for at least 1 year
If you’re a provisional licence holder you’ll need to be aged 17 - 40 and not have held your licence for over 5 years
A GB licence holder (that means issued in England, Scotland or Wales)
There’s not a fixed number of accidents, [claims](https://www.cuvva.com/how-insurance-works/car-insurance-claims-explained) or [licence points](https://support.cuvva.com/en/articles/2614434-how-licence-points-affect-your-car-insurance) that would stop you from insuring with us
Your car or van must
Be under 20 years old
Cars need to be worth less than £60,000
Vans/commercial vehicles must be worth less than £40,000
Meet our modification rules. We accept lots, including any to aid a disability, but there are some we can't insure
Meet our insurance group requirements
Not be scrapped or [impounded](https://support.cuvva.com/en/articles/5904217-impounded-vehicles) temporarily
Not be a company car, a hire car or a vehicle on a fleet policy

How to get over 50s insurance fast

1
Get started on the app
It just takes a few taps
2
Add the vehicle
Enter the registration plate
3
Enter your details
Coverage from 1 hour up to 28 days
4
Extend in the app when you need
For easy vehicle borrowing

Any questions?

Forget automated replies and chatbots! Our customer support team is made up of real people - get a response in minutes. We’re on hand between 9am to 9pm every single day. If you have any questions about our short-term car insurance, let’s have a chat.

customer support staff smiling