Older drivers should receive checks to make sure they are still capable on the road, it has been claimed.
According to the Association of British Insurers (ABI), those who are unfit to drive should be encouraged to use other methods of transport.
This comes after calls were made to increase the legal driving age and as a result car insurance costs across the UK may go down.
ABI spokesperson Malcolm Tarling added that the tests should not be discriminatory against age, but more against driving skills.
"It's important not to tar people with the same brush, there are responsible older drivers and also very good younger drivers," he said.
The ABI speaks out in the interest of the insurance industry in the UK.
Recently, it praised the way in which the sector dealt with the flooding in the south of England.
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