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 apply to 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 ongoing complimentary digital issues of DARE magazine, sent straight to your email inbox. Learn more and view the applicable T&Cs.

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Everything you need to know about car insurance

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.

Apply to increase your end odometer reading

Whether it’s a short-notice road trip or just for everyday errands, you can apply to increase your kilometres over the phone 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.


CollisionCover for collision with another car or object, regardless of fault.


Theft and malicious damageProtection against theft or other deliberate damage to your car, such as arson or vandalism.


Natural eventsCovers you for damage caused by wind, storm, lightning, or other natural disasters.


FireFor cover against deliberate or accidental fires.


New for old replacement3If your car is a total loss in the first 24 months, we may provide you with a brand new car.


Hire care after theftUp to $50 a day for up to 14 days for hire car if your car is stolen.


Agreed valueChoose the value your car is insured for in case of total loss or damage.


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.


Personal property coverFor select items in your car damaged in an accident.


Trailer and caravan repairsUp to $1,000 cover if a correctly attached trailer or caravan is damaged.


Emergency travel and accommodationUp to $500 cover in case you are left stranded more than 200 kms from your home due to an accident.


Lock and key replacementUp to $1,000 for a new lock and keys or a recoded lock If your car keys are stolen.


Transit coverProtection against damage while your car is being transported within Australia.


Child safety seats and pramsUp to $500 to replace child safety seats, baby capsules or prams in your car.


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.

Optional Extras & Services

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.

  • Help when you need it - anytime
  • Cover for most areas in Australia (excluding islands and territories)
  • Flexible payment options
  • Purchase alongside your insurance policy
  • Provided by Digicall Assist

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.

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 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 and exclusions 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.

I've been contacted about a refund - what do I need to do?

Ensure your contact details and payments details are up to date on your account. ​If details are up to date, your refund will land in your account in the timeframe noted on your notification letter.​

If you have any questions about your refund, call us on 1300 919 583 and we can provide more information or help you update your account details.​

Why do you need payment details from me?​
To refund you, we’ll need a bank account or credit card details to send the money to.​

Where do I update my payment details?​
Log into My Account to update your details, or give us a call on 1300 919 583.

My policy is no longer active — what do I need to do?​
If your policy is no longer active, but you need to update your payment details, please give us a call on 1300 919 583 and our staff will be able to process the refund over the phone. ​

What will happen if I don’t respond to your letter or email about a refund?​
To refund you, we’ll need a bank account or credit card details to send the money to.  We encourage you to contact us so that you can receive your refund.

What can I do if I’m not happy with the refund amount?​
If you’re not happy with the refund amount or have a complaint, please contact us on 1300 919 583.

  1. Permit numbers: NSW: TP/03357, ACT: TP 24/00506.1 and SA T24/391. New customers who buy a Seniors Car, Home, Contents, Landlords or Travel Insurance policy by 14 July 2024 will go in the draw for a chance to win 1 of 3 x $10,000 e-Gift Cards (total prize value $30,000). Terms and conditions apply.
  2. or * A discount of 5% is applied to your premium for valid Seniors Card holders. The discount will apply to the first 12 months of your Seniors Car Insurance policy. The discount will be reapplied for 12 months each time your Seniors Car Insurance policy is renewed so long as you continue to hold a valid Seniors Card and we continue to offer the discount. Discount does not apply to taxes or government charges. Discount does not apply to optional non-insurance services including roadside assistance. A Seniors Card is a card issued by various Australian State and Territory governments to permanent residents, over a particular age, who work no more than a set number of paid hours per week, or based on state or territory requirements.
  3. In the event of a total loss, provided you are the first registered owner of the vehicle.

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 on 1300 760 157. We are here 8am to 7pm Monday to Friday. You can also request a call-back at a time that suits you.