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Temporary Car Insurance for Over 50s

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Over 50s Car Insurance

If you need insurance coverage for a short period, whether that’s just for an hour or up to one month, our temporary car insurance allows you to quickly and easily get a policy sorted that’s right for you. By only paying for the time you need to drive, there’s no worries about paying more than you need to. Our temporary policies protect the main policy holder’s No Claims Discount if you are borrowing a family or friend’s car too. 

Age is one factor that can have an impact on your short-term vehicle insurance quote. In principle, our insurance for over 50s works just the same as our insurance policies for everyone else, but insurers will look at a driver’s history when assessing how much risk is involved in covering them. Get more details on who we cover here

Our temporary cover for over 50s and 60s is easy to sort, flexible around your needs and gets you on the road in no time. Some details on our insurance policies:

  • We cover drivers aged 18 to 75
  • Cover is fully comprehensive
  • Maximum car value is £65,000
  • No Claims Discount will be protected for the main policy owner
  • Low excess 
  • Policy length ranges from one hour up to 28 days for flexibility

Get a quote in under two minutes by filling in our easy-to-use forms: you’ll be on the road in no time.

What is Temporary Car Insurance for Over 50s?

Temporary car insurance for over 50s works the same as temporary insurance for other age groups, but the price can often change depending on someone’s age.

This type of insurance is available in policies ranging from one hour up to four weeks, depending upon what you need. Most drivers are eligible for temporary insurance, to see your options, head to our short-term car insurance page to begin the process.

How Much Does Temporary Car Insurance Cost for Over 50s?

Prices for temporary insurance vary depending upon a driver’s criteria. A few things are considered, such as driving history, the vehicle being used, location and age. For older drivers with more experience, policies can be cheaper. This isn’t an exact science, as there are multiple factors in play, but it’s sometimes assumed that more mature motorists pose less risk than their younger counterparts. You can get an estimate for what temporary cover would cost on our insurance calculator page.

Does Car Insurance Go Down When You Turn 50 in the UK?

In the UK, over 50s insurance does tend to be cheaper, as older drivers are considered lower risk and less likely to make a claim. This is due to drivers of this age having more experience on the road and potentially having a strong build-up on their No Claims Discount on an annual policy. Due to the experience of drivers this age, the 50-60 age group tends to have the cheapest insurance policies out of any age group.

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Get Car Insurance by the Hour, Day, Week or Month with GoShorty.

GoShorty provides insurance ranging from one hour up to four weeks, making it an extremely flexible service, allowing you to choose a specific policy without having to commit to an expensive annual policy. This is especially useful for drivers who do not plan on driving all year round, allowing you to get short policies as and when you need them.

Due to the quickness of GoShorty’s forms, you can get on the road in no time, making getting a temporary policy much less stressful than arranging annual insurance.

When Does Short Term Car Insurance Come in Handy for Over 50s?

Borrowing a Car: Temporary insurance is ideal for short-term use. If you need a vehicle just for a short period of time, this type of insurance allows you to borrow a friend or family member’s car easily, without the need to get an annual policy on the vehicle – just make sure you have their permission first!

Emergencies: If you are in need of getting somewhere quickly, but find yourself uninsured at the moment, temporary car insurance can be a great option to consider. With our easy-to-use system, you can be on the road in no time.

Car Sharing: If you’re going on a journey but don’t want to leave the driving to one person, car sharing using short-term insurance allows multiple drivers to share the load of driving.

Driving a New Car Home: When taking a new car home, you might not have your annual insurance already set up. In this case, short-term insurance can be an easy way of driving the car home legally before setting up a long-term policy.

Can I Get Over 50s Car Insurance – Am I Eligible?

Before applying for insurance, you must first ensure you are eligible! At the very least, drivers must have a valid driving licence and permission from the owner of the car they intend to drive. There are some other things to consider first however, as we do not insure modified vehicles, we do not insure for any form of motor racing, amongst other criteria. To be sure you are eligible, see the following checklist. 

MID: Please note that all our Short Term Insurance policies are submitted to the Motor Insurance Database (MID) at midnight every day. We recommend always having a copy of your Insurance Certificate with you during the period of cover, and remember that you can always access all of your insurance documents by logging into Your GoShorty.


  • Cars and Commercial Vehicles (up to 3.5 tonnes)
  • Minimum value Cars and Vans: £1* subject to age restrictions
  • Maximum value Cars: £65,000
  • Maximum value Vans: £65,000
  • Social, Domestic and Pleasure or Social, Domestic and Pleasure + Commercial use only – usage will be restricted to social domestic and pleasure purposes, which includes commuting and personal business use only
  • Vehicle must be registered in the UK
  • Foreign use is not permitted
  • Not for exporting – journeys must start and end in the UK
  • Is not imported or left-hand drive and not modified (factory fitted extras or modifications for a disabled driver or passenger, or LPG conversions are acceptable).
  • Has no more than 7 seats and is not a rental or hire vehicle (if commercial – no more than 5 seats)
  • Must not be modified. LPG conversions and Disabled Modified are acceptable
  • Have a valid MOT (if required), is NOT declared as SORN (off-road) with DVLA and has NOT been seized by the police.
  • Not to be used for impounded or seized vehicles (unless specified as impounded cover)
  • Not to be used for any form of motor racing, pacemaking, track days, motor trade usage or hire and reward
  • Not for carrying hazardous goods or use at a hazardous location
  • There is no cover under this policy for vehicles which are insured, owned by, operated by, supplied by, hired or rented from any Claims, Credit hire or Accident Management Company.


  • Private Car – driver aged 18 to 75
  • Commercial Vehicle – driver aged 19 to 75
  • Has a current permanent address as stated throughout this application (please note you may be asked to provide proof of residence in the event of a claim)
  • Has not ever been refused insurance, had a policy cancelled or voided
  • No driving ban in the last 60 months
  • No conviction for any criminal offence or any possible prosecution pending

What You Need to Take Out a Car Insurance Policy for Over 50s

Once you have permission from the vehicle owner, fill out our quote form to get the process started, you will need:

  • Policy duration – How long will you be needing the policy for? Ranging from one hour to 28 days.
  • Personal information – Full name, DoB, permanent address details.
  • Vehicle information – Registration of the car you are looking to insure.
  • Licence details – Licence number, licence type, how long you have held it.

Temporary Car Insurance for Over 50s FAQs

What are the benefits of over 50s car insurance?

Short-term insurance for over 50s is great for using a vehicle for a short period of time, without having to commit long-term. This type of insurance is ideal for short trips, or for just sharing the driving with someone you are travelling with. This type of insurance is great for borrowing  a vehicle too as it does not impact the owner’s No Claims Discount.

Do I need a health check to buy a short-term car insurance policy if I’m over 50?

You do not need a health check to buy a short-term policy, but there are some criteria that you need to hit in order to be eligible, such as having a current permanent address, no pending criminal convictions and no history of being refused insurance. Having said that, if you feel your health is a potential danger to you behind the wheel, make the informed decision before driving.

What is the maximum age GoShorty cover?

We cover private car drivers from 18 to 75 and commercial drivers from 19 to 75. As long as you are under 75 and meet our eligibility criteria, you are able to take out a policy with us, from one hour up to 28 days.

Why is temporary car insurance cheaper if you’re over 50?

This isn’t always the case. Our insurance may be cheaper for those over 50 depending on their driving history. We cannot guarantee a policy will be cheaper just due to age alone; to check how much a policy may be for you, head to our calculator page.

Not found the answer you’re looking for? Either get in touch or checkout our other FAQs

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Want to learn more about short term cover? Discover if you’re eligible and take a look at our blogs to see if temporary car insurance is right for you.

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