Essential third-party protection for when the unexpected happens

We hope you never have an accident, but sometimes the unexpected happens. If you’re involved in an accident, it's important to know you're covered against the cost of damage to other people's cars and property.

With Seniors Third Party Property Damage Car Insurance, you’re covered in case you’re at fault for an accident, so you can take to the road with confidence wherever you go. 

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.

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Everything you need to know about car insurance

Benefits of Seniors Third-Party Car Insurance

Legal Liability Cover

Seniors Third Party Property Damage Car Insurance protects you against the cost of any damage you cause to someone else's car or property. So, if you’re at fault for an accident, you’ll be covered for any legal liability up to $20 million.

Hassle-free claims 24/7

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

Flexible payments and excess

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

Australia-wide assistance

You’re covered no matter where you are – whether it’s a Sydney peak-hour traffic or out in the bush in Broken Hill.

14-day cooling off period

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

See more benefits

What’s covered?

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


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


Choice of excessFlexibility to choose your own basic excess.


Substitute vehicle coverPeace of mind knowing you’re covered if you are involved in an accident while using a substitute car.


Hassle-free claimsOur claims lodgement team is available 24 hours a day. Whether online or over the phone, making a claim is quick and easy.


Flexible payment optionsChoose a payment option that suits your lifestyle.


14-day cooling off periodGet your money back – no questions asked – if you cancel your policy within 14 days without making a claim.


Optional extras

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 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.

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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.

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 8pm Monday to Friday. You can also request a call-back at a time that suits you.