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Car Insurance

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.

WIN a share of $30,000 in gift cards1 Plus 5% off for Seniors Card holders2

4.7 /5 from 557 reviews

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Seniors 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 ongoing complimentary digital issues of DARE magazine, sent straight to your email inbox. Learn more and view the applicable T&Cs.

We proudly comply with the General Insurance Code of Practice, so you can be sure you’ll receive the highest standard of service with the Australian Seniors team.

Choose from our 4 cover options to suit your needs

Comprehensive Car Insurance

Pay as You Drive Insurance

Third Party Property, Fire and Theft

Third Party Property Damage Car Insurance

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:

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.

Roadside Assistance

With optional Roadside Assistance, one phone call is all it takes to get expert assistance with breakdowns, flat tyres and more.

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.

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.

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Award-winning insurance 10 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 10 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 and 2024. We have also been the recipients of the Highly Commended Trusted Brand Award in the Funeral Insurance category for 2015, 2016, 2018, 2020, 2021 and 2022. In 2023, 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 and 2024.

Australian Seniors is also the ProductReview.com.au 2021, 2022 and 2023 Annual Awards Winner in the overall Insurance category, as well as the 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.

Read more about Our Awards

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.

Customise your car insurance

If you want comprehensive cover but don’t drive that often, a custom Pay As You Drive policy may suit your lifestyle.

How much does Car Insurance cost?

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.

Additional benefits

Protect your vehicle with additional coverage such as hire car after theft, trailer and caravan cover, essential repairs and more. 

Protection for both you and your car

When considering car insurance, it’s important to look beyond just your vehicle. You also need personal cover for yourself as a driver. That’s why Australian Seniors covers both you and your car for personal liability to other people’s property. 

Make the switch to Seniors Car Insurance

WIN a share of $30,000 in gift cards when you buy a Seniors Car Insurance policy by 14 July.1

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.  

Life's Booming Podcast

Hosted by the ABC’s James Valentine, the ‘Life’s Booming’ podcast is available now!

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?

Everything you need to know about car insurance

Tools & Resources

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:

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.

Read what our customers are saying

Trusted Customer

Rated: 5 out of 5

I have just filled this. all the consultants i spoke to were extremely helpful, polite and know their product. i am...

William Osborne

Rated: 4.5 out of 5

Trusted Customer

Rated: 5 out of 5

Nahal (forgive me if spelt wrong) was very helpful, she was thorough in her questions but that was reassuring because...

Trusted Customer

Rated: 4.5 out of 5

Debra Payne

Rated: 4.5 out of 5

Lynne Purdue

Rated: 4 out of 5

Online service easy and straightforward. however calling customer service not so much. extremely frustrating to have...

4.7 /5 from 557 reviews

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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.

All product information displayed on this website is subject to policy terms and conditions (including eligibility criteria, limitations and exclusions).

Your use of this website is subject to the website Terms of Use. This is general information and does not take into account your financial situation. Please consider the relevant Product Disclosure Statement, Financial Services Guide and Target Market Determination available on this website to ensure these products suit your needs. All products are promoted and distributed by Australian Seniors Insurance Agency, a trading name of Greenstone Financial Services Pty Ltd (GFS) ABN 53 128 692 884, AFSL 343079. The insurer for car, home, landlords and pet insurance products is The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, and for life and funeral insurance products is Hannover Life Re of Australasia Ltd ABN 37 062 395 484, AFSL 530811. Seniors Health Insurance is issued by nib Health Funds Limited ABN 83 000 124 381, a registered private health insurer. GFS is an authorised agent of nib and receives commission from nib. Seniors Pet Insurance is arranged and administered through PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. The insurer for travel insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 (Allianz). Seniors Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance (AGA), acting as agent for Allianz. Terms, conditions, limits, and exclusions apply. Sub-limits may apply.

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