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Breakdown cover age limits
Dear Chris,
I’m having difficulty trying to find out if any of the major breakdown providers put an age limit on the owner of a car requiring breakdown cover.
Charles, via email on 17 January 2011
Our breakdown expert says…
Car breakdowns can happen to anyone, so it’s vital that have reliable and competitively priced breakdown cover - whatever your age is.
Thankfully most major breakdown providers won’t take your age into account when calculating a cover quote, but there are several other factors that they could consider which may impact your ability to get cheap breakdown cover.
Age-related breakdown cover
The majority of breakdown providers will offer cover to any driver, irrespective of their age, provided they hold a valid UK driving licence.
However, a few minor caveats often apply to this rule:
- When applying for vehicle-based breakdown insurance, the age of your car could impact your ability to get cover. The AA, for example, told me that it won’t provide vehicle-based breakdown insurance if your car is more than 10 years old
- The cost of personal breakdown cover - rather than vehicle-based - could be effected by the driver’s age, with the youngest and oldest drivers more likely to pay a premium.
- Some breakdown providers can’t offer breakdown cover to anyone older than 99 years, simply because their computer systems can’t handle more than three age digits.
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