It’s sometimes frustrating that we seem to spend a large part of our lives waiting to reach a certain minimum age where we no longer have to pay extra for our insurance and then shortly after, we start finding that we must pay more because we have passed a certain age! It is a fact of life that age is sometimes an issue in some forms of insurance.
Of course, there are understandable reasons behind insurance providers needing to take into account, in some circumstances, the age of a policyholder.
For example, few people would really dispute that a typical 60 year old is unlikely to have the same reaction times when driving a car or caravan as those of a 25 year old.
Even though this might be counterbalanced, to some extent, by the greater experience of the older driver, the reality of life is that insurance providers may feel that older drivers constitute a slightly higher risk than those of the younger age groups.
Unfortunately, sometimes it is difficult to follow the logic when it is ruthlessly applied to caravan insurance. Some insurance providers may, for example, decline to offer an insurance policy to over 60 towing drivers at all.
This appears to be a gross overreaction and disproportionate.
Some insurance policy providers will not take drivers over 60 under cover for the towing of touring caravans.
The logic behind this isn’t always entirely clear but presumably reflects some views that older drivers may be less able to manage a caravan behind the car than younger drivers.
Fortunately, this view is not universal and there are other insurance providers who are more than willing to offer over 60’s touring caravan insurance. At Cover4Caravans we are proud to be able to offer help in such areas and to confirm that we can offer over 60 driver insurance cover.
It is perhaps worth mentioning that towing a caravan is only one aspect of an insurance policy risk profile. In other respects, such as experience in terms of hitching and siting a touring caravan, age may be a positive advantage.
So, in terms of discounts, you may find that cover and discounts are available and over 60’s caravan insurance is perhaps far more cost-attractive than you might anticipate.
Older drivers with convictions
Of course, as you might imagine, driving convictions are an issue for insurance providers irrespective of the age of the driver concerned.
If you have penalty points on your licence, these may adversely affect your insurance premium or any discounts that might be available to other drivers without such convictions.
Upper age limits
Some policies may, in fact, have no absolute upper age limits for towing drivers.
Providing you hold a full and legal licence, it might be possible to find you appropriate insurance cover.
There is absolutely no need to think that your caravanning expeditions may need to come to an end simply because you are approaching 60 or 65 years of age and you cannot get insurance!
We are pleased to say that here at Cover4Caravans we don’t believe in pulling down the shutters in terms of being over 60 and wanting touring caravan insurance. We are happy to take older drivers and indeed younger drivers under cover on this type of policy. We can even help you if you are looking for over 80’s tourer insurance!
We believe that there may be significant advantages to being a more mature owner and driver, running from a reduced risk of over-reaction to road situations, to increased levels of patience, right up to a greater familiarity with the vehicle and things such as reversing in tight spots etc.
So, if your 60th – or even your 80th – birthday is approaching there is no need to start thinking about giving up on caravanning or that you are going to need to start writing some substantially bigger cheques for it.
We’re here to help!