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 and your accompanied driver’s age is above the age minimum that may be applicable to the vehicle that you are driving.
  • 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 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.

Funeral Insurance Frequently Asked Questions

How does Funeral Insurance work?

Funeral insurance is paid in the form of a lump sum benefit your family can use to pay immediate expenses, such as your funeral service or any outstanding debts you may have.

You choose a cover amount to suit you, and pay ongoing premium payments, usually fortnightly or monthly. In the event of claim, your beneficiary will receive your cover amount.

Is Funeral Insurance Tax deductible

In most cases, funeral insurance premiums are not tax deductible. But there’s generally no tax on the benefits that you or your beneficiaries will receive.

However, it’s always possible that tax laws may change in future. What’s more, this may not apply to your specific situation. So, it’s important to seek qualified professional advice about the tax implications of any insurance product.

Do premiums go up?

With some providers, the answer might be ‘yes’, but with Seniors Funeral Insurance Top Cover we promise your premiums will never increase and will reduce by 5% for every 5 years your policy is in force.

When the time comes, your loved ones will be paid either your cover or all of the premiums that you’ve paid – whichever is greater*

*(This is subject to you keeping your policy in force and without changing your level of cover.).

Can I buy funeral insurance for my parents?

Yes - As long as your parents are Australian residents under the age of 79 you’re eligible to apply for Seniors Funeral Insurance.

What is ‘Accidental Death’?

An ‘Accidental Death’ is a death occurring as the direct result of an Accident and where death occurs within 90 days of the Accident.

An ‘Accident’ means an event resulting in bodily injury occurring, where the injury is directly and solely caused by accidental, violent, external and visible means without any other contributing causes and where the injury is not self-inflicted.

Home & Contents Insurance Frequently Asked Questions

How can I save on my home and contents insurance?

There are two easy ways to save. First, improve security and safety. Items such as deadlocks and monitored burglar alarms can usually bring discounts. Second, raise your excess. The excess is the amount of money you have to pay towards a loss before the insurance kicks in. We offer different levels of excess from $0, to $1000. The higher the excess the lower the cost of your insurance.

How much does it cost?

Your premium will depend on many factors such as, the value of your home and contents, the security present, the level of cover you require and the Excess you choose. You may receive a 10% discount by combining your Home & Contents cover. In addition if you have a burglar alarm, you are entitled to a discount. These discounts will be automatically included in your insurance quote when you call 13 13 43.

How much insurance do I need?

The amount of insurance cover you select is known as your ‘sum insured’. For contents cover, you should choose a sum insured that equals the amount it would cost you to replace your insured contents at today’s prices. For your home cover, you should choose a sum insured that equals the amount it would cost you at today’s prices to clear the site and rebuild your home, including any fences or fixed structures on the site. This is known as your home’s replacement value, and should not be confused with market value, which includes the cost of the land.

What if I want to change my insurance cover?

Contact us if you want to change your cover. Changes could include:

  • Changing your address
  • Increasing or decreasing your cover
  • Adding listed items
  • Taking out Personal Property Australia Wide
  • Updating your payment details
  • Cancelling your policy, etc.

You must also contact us if anything changes which might affect the risk we are insuring.

What is home and contents insurance?

Home and contents insurance is a common way to guard against financial loss caused by theft or damage to your home and contents. In return for the premium that you pay us (the insurance company), we may repair or replace your items or pay you a certain sum of money to cover certain losses or damage to your home and contents. The amount we pay for a claim, and the circumstances under which we pay, is subject to the terms and conditions of your contract or “policy”.

Home and contents insurance also automatically covers your Legal Liability to pay compensation for death or bodily injury to other parties, or damage to their property. This “liability” cover applies only when you have been found negligent and are at fault.

Pet Insurance Frequently Asked Questions

How old does my pet have to be for insurance?

You can get insurance for your dog or cat as soon as they are eight weeks old. For Top or Essential Accident & Illness Cover, your pet must be under nine years old to get cover. But for Accident Only Cover, there’s no maximum age for insuring your pet.

Will my pet be covered when it gets older?

Yes. Once you have insurance for your pet, you can keep renewing your policy with us for the rest of its life – as long as there isn’t a break in your cover.

Will I have to pay an excess?

No. There’s no excess to pay – so depending on your level of cover, you may get back up to 80% of all your eligible vet expenses.

Will my pet be covered if they’re not vaccinated?

Yes. If you prefer not to vaccinate your pet, you can still get cover with us. But if they become sick with a disease that could have been prevented by vaccination, we won’t cover any of the cost of their treatment.

Will my pet be covered for hereditary problems?

Yes. We’ll cover treatments for hereditary or congenital problems as long as your pet doesn’t have symptoms before you take out your policy or during any waiting periods. (subject to normal exclusions, as set out in the Policy Booklet)

Travel Insurance Frequently Asked Questions

How much excess will I pay when making a claim?

With our international cover options, you can choose between $0, $100, or $200 excess when setting up your policy. For our domestic cover, the excess payable is $50 per claim.

Can I cancel my travel insurance policy with Australian Seniors?

You are free to cancel your policy at any time, however you will only receive a refund if you cancel within the 14-day cooling off period and you have not exercised any rights under the policy.

Will my children or grandchildren be covered under this policy?

Yes – we will automatically cover any dependent children or grandchildren travelling with you at no extra cost, as long as they are under the age of 21 and listed on your policy. Additional terms and conditions in our Product Disclosure Statement may apply.

Does Seniors Travel Insurance cover trip cancellations?

Yes – cancellations are covered for certain events listed in our Product Disclosure Statement. Please note that we will not cover cancellations due to change of mind (such as if you no longer wish to travel or would like to change your destination).

What is the maximum trip duration covered under Seniors Travel Insurance?

Our single trip policies cover journeys up to 12 months long. 

Get cover today and you could save

Call our friendly team to discuss your needs today. You can also get a quote online in minutes and save up to 30% on selected products.