Third party car insurance with the extras you need

At Australian Seniors, we understand that sometimes you just need the basics. That’s why we offer third party property damage insurance with extra cover for your own vehicle too. It’s the easiest and most cost-effective way for over 50s to stay confident on the road.

Not only are you covered for damage to other people’s property, but you’ll also have peace of mind knowing your own car is protected against theft and fire.

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 Third Party Property, Fire and Theft Car Insurance

Wide cover with just the basics

You’re covered for at fault-damage to other cars as well as fire, theft, and malicious damage done to your own car. It’s car insurance made simple for over 50s.

Hassle-free claims 24/7

We’re here for you all day, every day in case you need to make a claim.

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.

Covers most areas in Australia

You’re covered in most areas in Australia (excluding islands and territories).

Flexible payments and excess

Stay in control of how and when you pay your premiums, as well as the basic excess amount per claim.

14-day cooling off period

Cancel your policy for a full refund within 14 days if you decide it’s not right for you.

Uninsured motorist extension

You’re covered for up to $3,000 should your car get damaged by an uninsured driver.

What’s covered?

Legal Liability Cover If you’re at fault for an accident, we’ll protect you against the cost of damages to someone else's car or property.


Theft Get peace of mind with cover against theft, including arson.


Fire Protection against fire damage.


Uninsured Motorist Extension You’re covered for up to $3,000 should your car get damaged by an uninsured driver.


Substitute vehicle cover Protection when your car is out of action and you're using another car (not a hire car) that is uninsured – we will cover Third party property damage.


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?

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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 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.

Drive with confidence today

For ultimate peace of mind on the road, talk to our friendly team today 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.