Seniors Car Insurance

At Australian Seniors, we understand that every driver is different. That’s why we offer flexible cover options for over 50s to help you find the perfect fit for you and your car.

With Seniors Car Insurance, you and your vehicle are covered for accidents, theft, or other mishaps that come your way, so you can take the road with confidence. Take control with more choice, more extras, and more savings in your pocket with Australian Seniors.

Choose from our 4 cover options to suit your needs

Best Cover

Comprehensive Car Insurance

  • Cover you can count on
  • New for old replacement for 24 months*
  • Hire car after theft
  • Guarantee on authorised repairs
  • Flexible payment options
  • Agreed value
  • Hassle free claims
  • Emergency repairs and towing costs

Pay as You Drive Insurance

  • Cover you can count on, for less
  • New for old replacement for 24 months*
  • Hire car after theft
  • Guarantee on repairs
  • Flexible payment options
  • Agreed value
  • Hassle free claims
  • Emergency repairs and towing costs

Third Party Property, Fire and Theft

  • Accidental damage
  • Theft and Malicious Damage
  • Fire
  • Legal liability cover
  • Uninsured motorist damage
  • A choice of basic excess
  • Hassle free claims
Economical

Third Party Property Damage Car Insurance

  • Accidental damage to other vehicles
  • Legal liability cover
  • Uninsured driver damage
  • A choice of basic excess
  • Hassle free claims
  • Flexible payment options
  • 14 day cooling off period

Optional Extras

Get additional coverage with these great-value cover options.

Excess-free windscreen cover

Get access to fast, professional repairs with windscreen cover. Carried out in accordance with the latest Australian standard, you’ll get:

  • Complete cover for front windscreen damage
  • One excess-free claim each policy year
  • Access to professional windscreen repairs

Hire car cover

Don’t run the risk of being stranded if your car is damaged or stolen. Optional hire car cover means you always have access to a vehicle.

  • A car when you need it
  • Choose your level of cover
  • Flexible payment options

Roadside assistance

With optional roadside assistance, one phone call is all it takes to get expert assistance with breakdowns, flat tyres and more – anytime, anywhere.

  • Help when you need it - anytime
  • Australia-wide assistance
  • Flexible payment options

Benefits are subject to limits and exclusions (including sub-limits). This is a summary of policy features. For full details please read our Product Disclosure Statement.

Compare car insurance

Choose between Comprehensive or Third Party Property cover, or personalise your policy with our “Pay as You Drive” option – for those who spend less time driving and more time enjoying the finer things in life.

Compare insurance cover types
Benefits Comprehensive Pay as you drive Third Party
Property, Fire & Theft
Third Party
Property Damage
Flexible Payment Options Choose between different payment options to suit your needs.

Yes

Yes

Yes

Yes

Effortless claims Benefit from hassle-free claims, with a 24-hour emergency line and claims agent located in Australia.

Yes

Yes

Yes

Yes

Agreed value Enjoy more control and peace of mind by choosing the agreed value your car is insured for.

Yes

Yes

No

No

A choice of excess Choose your own level of excess to keep premiums low.

Yes

Yes

Yes

Yes

14 day cooling off period If you cancel your policy within 14 days without making a claim, you’ll get your money back, no questions asked.

Yes

Yes

Yes

Yes

No card fees We don’t charge credit card fees, so there are no hidden surprises.

Yes

Yes

Yes

Yes

Compare car insurance cover types
Benefits Comprehensive Pay as you drive Third Party
Property, Fire & Theft
Third Party
Property Damage
New for old replacement If your car is a total loss in the first 24 months, we may replace it with a brand new car – and pay your on-road costs as well

Yes

Yes

No

No

Hire car after theft – up to $70 per day for up to 14 days If your car is stolen, we will organise the hire of a car for you or reimburse you the cost of hiring a car.

Yes

Yes

Yes

No

Only pay for the kilometres you drive Enjoy comprehensive insurance at a fraction of the price, by only paying for the kilometres you’re actually driving. You must buy at least 5,000 km to start

No

Yes

No

No

Towing costs We’ll pay for the reasonable cost of towing your car to a safe place after an accident or if it was stolen and recovered, so you won’t be left stranded

Yes

Yes

Yes

Yes

Trailer and caravan cover If your uninsured trailer or caravan is lost or damaged in an accident, we’ll pay up to $1,000

Yes

Yes

Yes

No

Essential Repairs We’ll pay up to $300 for essential repairs after an accident or theft, so you can continue on your way

Yes

Yes

Yes

No

Personal property cover If you have valuables in your car and they’re damaged in an accident, we cover them too, up to $500

Yes

Yes

Yes

No

Child safety seats and prams We even pay up to $500 to help you replace child safety seats, baby capsules and prams damaged as part of your claim

Yes

Yes

Yes

No

Emergency travel and accommodation costs If your car is stolen or damaged and you’re more than 200 km from home, we’ll pay up to $500 for emergency travel and accommodation

Yes

Yes

Yes

No

Substitute car cover We’ll provide third party property damage cover for any damage you accidentally cause other people’s property when your car can’t be driven and you’re using another car (other than a hire car)

Yes

Yes

Yes

Yes

Lock and key replacement If your car keys are stolen, we’ll pay up to $1,000 towards the cost of having your keys replaced and locks changed

Yes

Yes

Yes

No

Transit cover We’ll pay for damage to your car when it’s being transported within Australia – by rail, road, ship or air

Yes

Yes

Yes

No

Uninsured driver damage If you have an accident with a driver who does not have third party property insurance, and it isn’t your fault, we’ll pay for any damage to your car, up to $3,000

No

No

Yes

Yes

Benefits are subject to limits and exclusions (including sub-limits). This is a summary of policy features. For full details please read our Product Disclosure Statement.
Compare insurance cover types
Options Comprehensive Pay as you drive Third Party
Property, Fire & Theft
Third Party
Property Damage
Roadside assistance Get fast help with breakdowns, batteries and flat tyres from Road Care – anytime, anywhere in Australia

Yes

Yes

Yes

Yes

Hire car cover Make sure you’re never without wheels, with cover for the cost of a hire car when your vehicle is damaged or stolen

Yes

Yes

Yes

No

Excess-free windscreen cover Take care of accidental glass damage without blowing your budget

Yes

Yes

Yes

No

Benefits are subject to limits and exclusions (including sub-limits). This is a summary of policy features. For full details please read our Product Disclosure Statement.

Understanding car insurance

You’ve been driving long enough to know exactly what you need. So for a hassle-free policy that matches your needs, talk to Australian Seniors today.

If you want comprehensive cover but don’t drive that often, a custom Pay As You Drive policy may suit your lifestyle.

Your premiums will depend on the type of vehicle you own, how often you drive, and other specific factors. Find out more by getting a quote online today.

Protect your vehicle with additional coverage such as hire car after theft, trailer and caravan cover, essential repairs and more.

When considering car insurance, it’s important to look beyond just your vehicle. You also need personal cover for yourself as a driver. That’s why Australian Seniors covers both you and your car for personal liability to other people’s property.

Why Australian Seniors?

You and your family need insurance that delivers real value. With Australian Seniors, you get just that and more. 

Peace of mind

Enjoy the confidence of knowing that your policy is backed by the world’s leading underwriters

Award-winning insurance

We’ve got years of experience, helping you to protect your family and assets with award-winning products and award-winning service

Dedicated to seniors

We believe insurance should meet your needs, not someone else’s. That’s why we focus on providing the best possible cover for Australians over 50

Backed by experience

We’ve been doing what we love for years, just like you. Put yourself in good hands with Australian Seniors

Need more help deciding?

Request a FREE information pack

Everything you need to know about car insurance

Car Insurance Frequently Asked Questions

Can I choose my own repairer when I make a claim?

If you need to make a claim and your car needs repairs, we’ll choose a repairer located as close as possible to your home or work from our extensive repairer network. When you use one of our approved repairers, the repairs are covered by a guarantee, so long as you remain the registered owner of the vehicle.

If you prefer to choose your own repairer, you can arrange for a quote and send it to us. But please note that we reserve the right to determine and arrange for repairs to be carried out by our preferred repairer.

Can I change my car insurance excess?

You can increase your excess at any time during your car insurance policy. However, you can only decrease your excess when renewing your policy.

Do I qualify for Pay As You Drive cover?

If you are not driving frequently you could qualify for our Pay as You Drive cover and save money on your car insurance. If you are eligible for our Pay As You Drive cover when obtaining a quote, you will be offered that option.

Do you cover learner drivers?

Yes, we do! If you’re a learner, our car insurance policies cover you as long as:

  • You’re accompanied by a fully licensed driver.
  • You and your accompanied driver’s age is above the age minimum that may be applicable to the vehicle that you are driving.
  • You have a current Learner Drivers Licence, Learners Permit or the equivalent for the state or territory where you live.
  • Please note there may be additional excesses applicable for learner drivers at the time of a claim.

Do you have age restrictions on your car insurance?

To help us offer affordable, fair car insurance premiums for the majority of people, we do have age restrictions on our policies. Generally, we insure drivers up to 99 years of age. However, certain vehicles have higher age minimums.

^ Offer valid for new Car Insurance policies purchased online, savings in first year only. Up to 20% discount consists of a 10% online discount, a 5% discount if you exclude drivers under 25 years of age, and 5% discount for Seniors Card holders. Standard underwriting criteria and minimum premiums apply, which may reduce savings discount. 

* Refund is only eligible if no claims have been made under your policy during cooling off period.

Drive with confidence today

For ultimate peace of mind on the road, talk to our friendly team today. We’re here 8am to 8pm Monday to Friday and 9am to 2pm Saturdays on 13 13 43. You can also request a call-back at a time that suits you.