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TipsDriving less? Get car insurance that matches your lifestyle
Driving less doesn’t mean you should settle for less. That’s why we offer comprehensive car insurance at a price based on the distance you plan to drive. Whether you only take short trips on your daily routine, or simply plan to enjoy more time off the road, Seniors Pay As You Drive cover ensures you’ll never have to worry about the unexpected happening.
Simply advise us how often (or little) you drive each year, and we’ll prepare a quote based on the number of kilometres. You can even increase your end odometer reading allowance if you need to take a few extra trips.
DARE magazine
As a valued Australian Seniors customer, when you take out Seniors Car Insurance, you’ll receive three complimentary issues of DARE magazine. Learn more and view the applicable T&Cs.
Benefits of Seniors Pay as You Drive Insurance
Only pay for the kilometres you drive
With Seniors Pay As You Drive Car Insurance, you’ll get all the benefits of comprehensive cover for less, depending on the distance you drive. Stay protected against accidents, fire, theft, and more.
Increase your end odometer reading over the phone
Whether it’s a short-notice road trip or just for everyday errands, you can increase your kilometres at any time should you end up driving more than expected.
Guaranteed repairs
Our preferred supplier ensures your authorised repairs are carried out in accordance with the latest Australian standard.
Complimentary hire car for thefts
If your car is stolen, you can get back on the road in no time with hire car cover.
Flexible payments and excess
Stay in control of how and when you pay your premiums, as well as the basic excess amount per claim.
Optional Roadside Assistance
With Australian Seniors, one phone call gets you expert mechanical assistance – anytime, anywhere in Australia.
Quick Cover Guide
| Third party property damageCover for damage to someone else’s property if you’re at fault. |
Yes |
| CollisionCover for collision with another car or object, regardless of fault. |
Yes |
| Theft and malicious damageProtection against theft or other deliberate damage to your car, such as arson or vandalism. |
Yes |
| Natural eventsCovers you for damage caused by wind, storm, lightning, or other natural disasters. |
Yes |
| FireFor cover against deliberate or accidental fires. |
Yes |
| New for old replacement*If your car is a total loss in the first 24 months, we may provide you with a brand new car. |
Yes |
| Hire care after theftUp to $70 a day for up to 14 days for hire car if your car is stolen. |
Yes |
| Agreed valueChoose the value your car is insured for in case of total loss or damage. |
Yes |
| Emergency repairs or towing costsWe’ll pay up to $500 for urgent, essential repairs or towing costs after an accident or theft, so you’re never left stranded. |
Yes |
| Personal property coverFor select items in your car damaged in an accident. |
Yes |
| Trailer and caravan repairsUp to $1,000 cover if a correctly attached trailer or caravan is damaged. |
Yes |
| Emergency travel and accommodationUp to $500 cover in case you are left stranded more than 200 kms from your home due to an accident. |
Yes |
| Lock and key replacementUp to $1,000 for a new lock and keys or a recoded lock If your car keys are stolen. |
Yes |
| Transit coverProtection against damage while your car is being transported within Australia. |
Yes |
| Child safety seats and pramsUp to $500 to replace child safety seats, baby capsules or prams in your car. |
Yes |
* In the event of a total loss, provided you are the first registered owner of the vehicle
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.
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 world-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.
Car Insurance FAQsFrequently 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.
Car Insurance Discovery Hub
14 May 2020
How to keep up with changing road rules
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Tips
18 Mar 2020
Is it time to consider PAYD insurance?
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Tips
2 Dec 2019
10 ways tech can make senior driving safer [Infographic]
Everyone wants to stay safe on the road, and with these tech tools you can make each trip more enjoyable and...
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Technology
7 Nov 2019
6 car and driving technologies for Australian seniors
Drive a lot? Here are few low cost, free and inexpensive tech assistants for older people.
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Tips
18 Aug 2019
27 things to consider before purchasing a car
Searching for a new car is an exciting time. But don’t forget the pre-purchase checks. Our handy checklist...
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LifestyleHollard Roadside Assistance™ is provided by Digicall Assist Pty Ltd. ABN 92 152 605 340.To find out more, read the full Terms and Conditions here.
Start driving with confidence today
For total cover for less, call our friendly team now. We’re here 8am to 7pm Monday to Friday, and 9am to 2pm Saturdays on 1300 090 621. You can also request a call-back at a time that suits you.