Looking for quality car insurance with flexible cover options designed with the needs of older Australians in mind.
Whether you just need the essentials, or you’re looking for complete protection Seniors Car Insurance gives you more choice, more control and more savings.
With discounts available for Seniors Card holders and offering a pay-as-you-drive option, Seniors Car Insurance may be a good choice if you’re older, don’t drive your car as much and are after a seniors’ discount. For a full breakdown of your options, check out our review of what’s covered, what’s excluded, and what’s right for you.
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What cover options does it have?
- Third Party Property Damage. If you’re seeking simple cover, Third Party Property Damage insurance protects you against any accidental damage to other people's cars and property.
- Third Party Property, Fire and Theft. Offering the same cover as Third Party Property Damage with additional protection against fire and theft, or attempted theft.
- Comprehensive. Comprehensive policies cover everything from accidental damage to fire and theft, emergency repairs and even damage to your personal belongings, and come with a range of optional offers (see below).
- Pay as You Drive. If you’re seeking Comprehensive cover but don’t use your car much, you can save with Pay as You Drive insurance. Providing the same level of cover, your premiums will be based on the distance you estimate you’ll drive in the period of the policy.
How does each cover type compare?
|Third Party Property Damage||Third Party Property, Fire and Theft||Comprehensive/Pay as You Drive|
|Theft or attempted theft|
|New for old replacement (24 months)|
|Hire car after theft|
|Trailer and caravan cover|
|Child seats and prams|
|Emergency travel and accommodation|
|Locks and keys|
|Uninsured motorist extension benefit||N/A|
|Hire car cover||optional||optional|
What additional cover options are there?
- Excess-free windscreen cover. The cost of replacing or repairing your windscreen is covered if your windscreen is accidentally broken or damaged. With this optional benefit, your first windscreen claim in any one period of insurance will be excess free. This option only applies to claims where damage is limited to the windscreen, sunroof or window glass.
- Hire car cover. If your car is unavailable due to damage or theft, hire car cover provides you with an approved hire car, to a limit of $70 per day, until repairs are completed on your car or you have reached the maximum hire period shown on your Certificate of Insurance, whichever happens first.
- Roadside assistance. Available as an extra with all insurance policies, this option gives you access to 24-hour roadside assistance service.
What exclusions are there?
As with all insurance policies, there are a number of exclusions you need to keep in mind when selecting your cover. Your claim may be rejected if:
- You lie or provide misleading information on your claim
- You failed to secure your car or you leave it in an unsafe location
- You fail to report the incident to the police as soon as possible in cases of theft, malicious damage or a serious accident
- The person driving your car was under the influence of drugs or alcohol
- The driver is younger than the age restriction of your policy
- Your car was being used in an illegal way or for criminal activities
- Your car was being used for business, taxi or rideshare purposes
- Your car was carrying passengers or loads over the legal limit
- You deliberately caused or authorised the damage or loss
- Your car was damaged or lost outside of Australia
What excess do I need to pay?
If you make a claim and are considered responsible or at fault for the accident, you will be required to pay the applicable excess. The amount of the excess will vary depending on the damage and situation of the incident. Your Certificate of Insurance will show the amount and types of excess that apply to your policy. A claim is only accepted if the total amount you are claiming for is more than any excesses that apply to your claim.
How do I make a claim?
Secure your car and contact any services you may need (ambulance, police or roadside assistance). Gather all details, including full names, contact numbers, licence and registration details for all drivers involved, and lodge your claims by calling 131 343.