Australian Seniors™ Car Insurance

Frequently Asked Questions

1. Who is Australian Seniors Insurance Agency™?
2. Why are your telephone conversations recorded?
3. Is your call centre in Australia?
4. Who is the underwriter for Australian Seniors™ Car Insurance?
5. How can I purchase a car insurance policy?
6. Is it safe to purchase car insurance online?
7. What if I have to make a car insurance claim?
8. What are the best ways I can save money on my car insurance?
9. How long does it take to get car insurance?
10. How can I pay for my car insurance securely online?
11. What are the benefits of purchasing car insurance securely online?
12. If I purchase car insurance securely online from Australian Seniors™ when will my insurance start?
13. Are there different ways I can adjust my car insurance premium?
14. What benefits should I seek out when choosing a car insurer?
15. What are some of the factors, which contribute to why I have a different car insurance premium to my friends?
16. What is the difference between a vehicle's agreed and market value?
17. What is the difference between the following types of car insurance Comprehensive, Third Party Fire and Theft and Third Party Property Damage?
18. What personal effects are associated with car insurance?
19. What happens if I don't provide full information about my driving record, past accidents or claims when I am asked?
20. I am having trouble purchasing securely online, what should I do?
21. How do I make a claim?

1. Who is Australian Seniors Insurance Agency™?

Australian Seniors Insurance Agency™ was established in 1998 as a result of the desire of its principals to provide cost effective insurance solutions for the mature Australian Market, a market too often ignored

Australian Seniors™ has since then successfully introduced a comprehensive range of insurance based services and products supported by its selected insurance underwriters that recognise the better risk nature of Australians over 50.

All of Australian Seniors™ underwriters have been specifically selected based upon both their financial standing and their ability and desire to share Australian Seniors™ vision of providing a range of innovative, quality and affordable insurances for Australian Seniors™ over 50, whether they be working or not, pensioners or self funded retirees.

Australian Seniors Insurance Agency™ Pty Ltd (ABN 48 097 746 391) is an authorised representative of A&G Insurance Services Pty Ltd (ABN 61 003 617 909; AFSL 241411). The insurance policies are arranged by A&G Insurance Services on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571).

A&G Insurance Services arranges the car insurance on behalf of the insurer and handles car insurance claims on behalf of the insurer. It also operates the Australian Seniors Insurance Agency™ call centre.Return to Top

2. Why are your telephone conversations recorded?

Telephone calls are recorded for a number of reasons. This is to allow you to avoid all the paperwork you might otherwise encounter. It allows you to arrange the insurance immediately over the phone without delay and helps to keep an accurate record of the information you submitted when you arranged your insurance. It also allows the insurer to manage the claims process and to undertake service quality assessments which helps to ensure the call centre operators are focussing on delivering you the best possible customer service.Return to Top

3. Is your call centre in Australia?

As a Australian Seniors™ customer you will be pleased to know that you'll be assisted by friendly car and home & contents insurance contact centre staff in a state-of-the-art call centre facility located on the Sunshine Coast in Queensland, Australia.Return to Top

4. Who is the underwriter for Australian Seniors™ Car Insurance?

Australian Seniors™ Car Insurance policies are underwritten by Auto & General Insurance Company Limited. Auto & General Insurance Company Limited is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA). Auto & General Insurance Company Limited is a member of the Insurance Council of Australia and participates in the Insurance Code of Practice.Return to Top

5. How can I purchase a car insurance policy?

You have three options to choose from when purchasing Australian Seniors™ Car Insurance:

1. Quote and then buy 24 hours a day, 7 days a week, securely online
2. Complete a quote online then simply call one of the helpful consultants on the number provided at the end of the quote to complete the purchase of your policy
3. Call a helpful consultant on 1800 112 349 to get a quote and purchase over the phoneReturn to Top

6. Is it safe to purchase car insurance online?

To protect your confidential data when you purchase car insurance online, an SSL certificate from Verisign will be used. This Verisign certificate confirms that the webpages for transacting the insurance have been authenticated and verified and sensitive data is safely encrypted.

Verisign are world leaders in internet data security. To view the Verisign verification page please click here.Return to Top

7. What if I have to make a car insurance claim?

If you need to make a car insurance claim call 1800 112 349 and a claims consultant will help you get back on the road as soon as possible.

In most cases you will be able to deal with any car insurance claims requests over the phone. The insurer aims to have all claims processed promptly to avoid any inconvenience.Return to Top

8. What are the best ways I can save money on my car insurance?

There are several ways to make your premium more affordable. These include: restricting drivers by age, increasing your excess, and by installing a combined alarm and immobiliser to reduce the risk of car theft.Return to Top

9. How long does it take to get car insurance?

In most cases you can be insured in one easy online session or phone call. You should have at hand details of your car and driving record and it won't take long at all. You can be insured the day you go online or call and take out a policy, or you can choose a later date for your cover to begin.Return to Top

10. How can I pay for my car insurance securely online?

You can pay for your car insurance online using either a Visa or Mastercard credit card.

11. What are the benefits of purchasing car insurance securely online?

There are many benefits when purchasing insurance online:

• Being able to take out insurance at a time that's suitable for you 24 hours a day, 7 days a week
• Don't have to sign any forms - ever
• Purchasing car insurance online can be up to 20% faster than doing it over the phoneReturn to Top

12. If I purchase car insurance securely online from Australian Seniors™ when will my insurance start?

Just like purchasing insurance over the phone your insurance cover will begin on the date you request the cover to start. You will also receive your policy documents via mail within 5 business days of the purchase date.Return to Top

13. Are there different ways I can adjust my car insurance premium?

When you buy Australian Seniors™ Car Insurance, you have the option of tailoring your policy to help you get the right price.

You can restrict drivers by age, which will reduce the level of perceived risk, therefore lowering the premium you need to pay.

If you are a good driver and your car insurer has all the right information and is evaluating your risk level effectively, you shouldn't have to pay exorbitant prices.

Other optional benefits include:

• Reduce your windscreen excess.
• Protect your No Claim DiscountReturn to Top

14. What benefits should I seek out when choosing a car insurer?

Benefits, which could be important to you include:

• Lifetime guarantee on repairs for as long as you own the vehicle
• Nominate your preferred repairer
• Rating one for life option
• No forms to fill in ever, including application and claim forms
• 21 day money back guarantee if you cancel your policy and have not made a claim

Terms and conditions apply. (Please see our Product Disclosure Statement for details).Return to Top

15. What are some of the factors, which contribute to why I have a different car insurance premium to my friends?

Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. So simple factors that differentiate you and someone else contribute to the assessment of 'risk'.

Risk is primarily affected by the make and model of the car, the age of the driver's and the driver's history, as well as residence. For example, not all insurers treat each suburb the same. In addition where you park the car at night will often affect your premium.

Your driving history and the frequency of claims are also considered carefully.

The insurer's underwriting is more comprehensive than most other car insurers, which allows us to offer more competitive rates to Australian drivers.Return to Top

16. What is the difference between a vehicle's agreed and market value?

Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs. If you want an idea of what your car may be worth you can search for your car on Redbook's website. Agreed value is the amount the insurer agrees to insure your vehicle for during each term of insurance. The value may change each time you renew the policy.

Please see the Australian Seniors™ Car Insurance Product Disclosure Statement for details.Return to Top

17. What is the difference between the following types of car insurance Comprehensive, Third Party Fire and Theft and Third Party Property Damage?

Comprehensive offers the broadest level of cover as it covers damage caused by the car to other people's property, plus cover for the car up to the value you insure it for.

With Third Party Fire and Theft cover, you will get third party property cover below, plus cover for your own car if it is stolen or catches fire.

Third Party Property Damage is the narrowest level of cover we offer; it covers only your liability for damage caused by the car to other people's property, plus a limited amount of cover for the car if damaged in a no fault accident with an uninsured vehicle.

Terms and conditions apply to each type of cover. For more details please see our Product Disclosure Statement for details.Return to Top

18. What personal effects are associated with car insurance?

Personal effects are your personal belongings that are in your car at the time of an accident.

With AUSTRALIAN SENIORS™ Comprehensive Car Insurance, you will have cover for damage to your personal effects resulting from a collision involving your car. Limits do apply (Please see the Australian Seniors™ Car Insurance Product Disclosure Statement for details).Return to Top

19. What happens if I don't provide full information about my driving record, past accidents or claims when I am asked?

This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in part, or not paid at all and/or your policy being cancelled.Return to Top

20. I am having trouble purchasing securely online, what should I do?

If you are having trouble purchasing online please call 1800 112 349 with your quote reference number to hand and our friendly call staff will be able to help.

The Australian Seniors™ Car Insurance call centre is open Monday to Friday between 8.00am and 8.00pm (EST) and Saturday 8.00am to 2.00pm (EST).Return to Top

21. How do I make a claim?

Making a claim on your Australian Seniors™ Car Insurance policy is fast, simple and hassle-free.

We don't believe in making you fill in lengthy, complicated insurance forms, which is why we offer a completely paperless, customer-friendly system to give you the best and fastest possible customer experience.

As an Australian Seniors™ customer, you also have the freedom to nominate a repairer of your choice.

To make a car insurance claim, simply call 1800 112 349 with your claim details and the friendly customer service staff will guide you through the process.