Stay confident on the road with personalised cover to suit your lifestyle. Whether you’re driving often or just occasionally, Seniors Car Insurance keeps you and your car safe wherever you go.
5% discount for Seniors Card holders1
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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.
Seniors Car Insurance can provide you and your vehicle with cover for accidents, theft, or other mishaps that come your way, so you can take to the road with confidence. Take control with more choice, more extras, and more ways to save with Australian Seniors.
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.
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 replacement2 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 1,000 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 |
| 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 |
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 |
Australian Seniors has been recognised for providing real value for the local over 50s market, winning awards for our products and service for 11 consecutive years.
Australian Seniors has won the Canstar 2023 Most Satisfied Customers Award for Home Insurance.
We’re the proud winners of the Reader’s Digest Quality Service Award in the Funeral Insurance category for 2021, 2022, 2023, 2024 and 2025. We have also been the recipients of the Highly Commended Trusted Brand Award in the Funeral Insurance category for 2015, 2016, 2018, 2020, 2021, 2022 and 2024. In 2023 and 2025, we were the winning recipient of the Trusted Brand Award in the Funeral Insurance category. We were granted the Feefo Gold Trusted Service Award in 2017, 2018, 2019, 2021, 2022, and the Feefo Platinum Trusted Service Award in 2023, 2024 and 2025. We have also received the Mozo People’s Choice Award for Outstanding Customer Satisfaction in 2025.
Australian Seniors is also the ProductReview.com.au 2021, 2022 and 2023 Annual Awards Winner in the overall Insurance category, as well as the 2025 Awards Winner in the Funeral, Life, Car and Home & Contents Insurance categories, 2024 Awards Winner in the Funeral, Car and Home & Contents Insurance categories, and 2020 Awards Winner in the Funeral, Car, Home & Contents, Travel and Pet Insurance categories.
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.
Protect your car today.
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.
Hosted by the ABC’s James Valentine, the ‘Life’s Booming’ podcast is available now!
You and your family need insurance that delivers real value. With Australian Seniors, you get just that and more.
Protect you and your loved ones financially with cover that's simple to use and understand.
We’ve got years of experience, helping you to protect your family and assets with award-winning products and award-winning service.
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.
We’ve been doing what we love for years, just like you. Put yourself in good hands with Australian Seniors.
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.
You can increase your excess at any time during your car insurance policy. However, you can only decrease your excess when renewing your policy.
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.
Yes, we do! If you’re a learner, our car insurance policies cover you as long as:
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.
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.
from 930 reviews
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TipsFor ultimate peace of mind on the road, get a quote from our friendly team today on 1300 084 702. You can also request a call-back at a time that suits you.
