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TipsSeniors Car Insurance
At Australian Seniors, we understand that every driver is different. That’s why we offer flexible cover options for over 50s to help you find the perfect fit for you and your car.
With Seniors Car Insurance, you and your vehicle are covered for accidents, theft, or other mishaps that come your way, so you can take the road with confidence. Take control with more choice, more extras, and more savings in your pocket with Australian Seniors.
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.
General Insurance Code of Practice
Compare Car Insurance
Choose between Comprehensive or Third Party Property cover, or personalise your policy with our “Pay as You Drive” option – for those who spend less time driving and more time enjoying the finer things in life.
| Benefits | Comprehensive | Pay as you drive | Third Party Property, Fire & Theft |
Third Party Property Damage |
|---|---|---|---|---|
| Flexible Payment Options Choose between different payment options to suit your needs. |
Yes |
Yes |
Yes |
Yes |
| Effortless claims Benefit from hassle-free claims, with a 24-hour emergency line and claims agent located in Australia. |
Yes |
Yes |
Yes |
Yes |
| Agreed value Enjoy more control and peace of mind by choosing the agreed value your car is insured for. |
Yes |
Yes |
No |
No |
| A choice of excess Choose your own level of excess to keep premiums low. |
Yes |
Yes |
Yes |
Yes |
| 14 day cooling off period If you cancel your policy within 14 days without making a claim, you’ll get your money back, no questions asked. |
Yes |
Yes |
Yes |
Yes |
| No card fees We don’t charge credit card fees, so there are no hidden surprises. |
Yes |
Yes |
Yes |
Yes |
| Benefits | Comprehensive | Pay as you drive | Third Party Property, Fire & Theft |
Third Party Property Damage |
|---|---|---|---|---|
| New for old replacement If your car is a total loss in the first 24 months, we may replace it with a brand new car – and pay your on-road costs as well |
Yes |
Yes |
No |
No |
| Hire car after theft – up to $50 per day for up to 14 days If your car is stolen, we will organise the hire of a car for you or reimburse you the cost of hiring a car. |
Yes |
Yes |
Yes |
No |
| Only pay for the kilometres you drive Enjoy comprehensive insurance at a fraction of the price, by only paying for the kilometres you’re actually driving. You must buy at least 5,000 km to start |
No |
Yes |
No |
No |
| Towing costs We’ll pay for the reasonable cost of towing your car to a safe place after an accident or if it was stolen and recovered, so you won’t be left stranded |
Yes |
Yes |
Yes |
Yes |
| Trailer and caravan cover If your uninsured trailer or caravan is lost or damaged in an accident, we’ll pay up to $1,000 |
Yes |
Yes |
Yes |
No |
| Essential Repairs We’ll pay up to $300 for essential repairs after an accident or theft, so you can continue on your way |
Yes |
Yes |
Yes |
No |
| Personal property cover If you have valuables in your car and they’re damaged in an accident, we cover them too, up to $500 |
Yes |
Yes |
Yes |
No |
| Child safety seats and prams We even pay up to $500 to help you replace child safety seats, baby capsules and prams damaged as part of your claim |
Yes |
Yes |
Yes |
No |
| Emergency travel and accommodation costs If your car is stolen or damaged and you’re more than 200 km from home, we’ll pay up to $500 for emergency travel and accommodation |
Yes |
Yes |
Yes |
No |
| Substitute car cover We’ll provide third party property damage cover for any damage you accidentally cause other people’s property when your car can’t be driven and you’re using another car (other than a hire car) |
Yes |
Yes |
Yes |
Yes |
| Lock and key replacement If your car keys are stolen, we’ll pay up to $1,000 towards the cost of having your keys replaced and locks changed |
Yes |
Yes |
Yes |
No |
| Transit cover We’ll pay for damage to your car when it’s being transported within Australia – by rail, road, ship or air |
Yes |
Yes |
Yes |
No |
| Uninsured driver damage If you have an accident with a driver who does not have third party property insurance, and it isn’t your fault, we’ll pay for any damage to your car, up to $3,000 |
No |
No |
Yes |
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.
| Options | Comprehensive | Pay as you drive | Third Party Property, Fire & Theft |
Third Party Property Damage |
|---|---|---|---|---|
| Roadside assistance Get fast help with breakdowns, batteries and flat tyres from Road Care – anytime, anywhere in Australia |
Yes |
Yes |
Yes |
Yes |
| Hire car cover Make sure you’re never without wheels, with cover for the cost of a hire car when your vehicle is damaged or stolen |
Yes |
Yes |
Yes |
No |
| Excess-free windscreen cover Take care of accidental glass damage without blowing your budget |
Yes |
Yes |
Yes |
No |
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.
Award-winning insurance 8 years in a row
Australian Seniors has been recognised for providing real value for the local over 50s market, winning awards for our products and service for 8 consecutive years.
We’re the proud winners of the Reader’s Digest Quality Service Award for 2021 and 2022. We have also been the recipients of the Highly Commended Trusted Brand Award in 2015, 2016, 2018, 2020 and 2021, in the Funeral Insurance category. We were granted the Feefo Gold Trusted Service Award in 2017, 2018, 2019 and 2021.
Australian Seniors is also the ProductReview.com.au 2021 Annual Awards Winner in the overall Insurance category, as well as the 2020 Awards Winner in the Funeral, Car, Home & Contents, Travel, and Pet Insurance categories.
Understanding car insurance
You’ve been driving long enough to know exactly what you need. So for a hassle-free policy that matches your needs, talk to Australian Seniors today.
If you want comprehensive cover but don’t drive that often, a custom Pay As You Drive policy may suit your lifestyle.
Your premiums will depend on the type of vehicle you own, how often you drive, and other specific factors. Find out more by getting a quote online today.
Protect your vehicle with additional coverage such as hire car after theft, trailer and caravan cover, essential repairs and more.
Life's Booming Podcast
Hosted by the ABC’s James Valentine, the ‘Life’s Booming’ podcast is available now!
DARE to indulge?
Our bi-monthly DARE magazine gives you a wealth of new ideas to take on the world you live in, and have the time of your life along the way.
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 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.
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Tips1. Offer valid for new Car Insurance policies purchased online, savings in first year only. Up to 20% discount consists of a 10% online discount, a 5% discount if you exclude drivers under 25 years of age, and 5% discount for Seniors Card holders. Standard underwriting criteria and minimum premiums apply, which may reduce savings discount.
2. Refund is only eligible if no claims have been made under your policy during cooling off period.
Drive with confidence today
For ultimate peace of mind on the road, talk to our friendly team today on 1300 084 702. We are here 8am to 8pm Monday to Friday. You can also request a call-back at a time that suits you.