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Australian Seniors car insurance review

With 5% off for seniors, budget-friendly policies, and some uncommon benefits, Australian Seniors is worth considering.

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Our verdict

Pros

  • Australian Seniors car insurance is cheaper than the average
  • Seniors Card holders enjoy an extra 5% off their premium
  • Enjoy some uncommon benefits, including transit cover and substitute car cover

Cons

  • Hire car cover is capped at $50 a day - less than many other brands
  • There's no option to choose your own repairer

How does Australian Seniors compare with other car insurers?

We compared over 30 car insurance brands in the 2024 Finder Car Insurance Awards. Australian Seniors comprehensive car insurance is more expensive than most, but does offer some interesting benefits.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Australian Seniors Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover.

    ⭐ Current offers: Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.

    Who it might be good for: People over 50 years old looking for flexible cover options.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    On average, a comprehensive car insurance policy from Australian Seniors costs $1,318 a year - less than the national average of $1,363. These quotes are based on a fictional profile and your own quote will differ.

    Keep in mind, the best car insurance for you may depend on more than just price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Seniors logo$1,503$1,090$1,132$1,084$1,852$1,248$1,318More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare Australian Seniors' policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Australian Seniors Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Up to $50 per day - Up to 14 days
  • Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover.

    ⭐ Current offers: Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.

    Who it might be good for: People over 50 years old looking for flexible cover options.
    Australian Seniors Pay As You Drive
    Optional
  • If your car is written off or stolen in the first 2 years
  • Up to $50 per day - Up to 14 days
  • Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
    Australian Seniors Third Party Fire and Theft
    Optional
  • Up to $50 per day - Up to14 days
  • Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
    Australian Seniors Third Party Property Damage
    Optional
  • Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
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    What additional cover options are available?

    Australian Seniors offers three add-on features to its comprehensive car insurance policies:

    • Excess-free windscreen cover - One excess-free claim to repair or replace your windscreen each year
    • Hire car cover - Get a hire car if your car vehicle is out of action due to any insured event
    • Roadside Assistance - 24/7 recovery service to help you get back on the road

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