Driving 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.

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 claimable repairs are carried out in accordance with the latest Australian standards.

Complimentary hire car for thefts

If your car is stolen, you can get back to normal 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.

See more benefits

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Everything you need to know about car insurance

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 $1000 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 $1000 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

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.
* In the event of a total loss, provided you are the first registered owner of the vehicle

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.

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?

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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.

Hollard 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 13 13 43. You can also request a call-back at a time that suits you.