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How we picked these
Finder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
The following features and options are provided by Australian Seniors car insurance:
Pay as you drive. A lower-premium option is available for vehicles driven less than 15,000km per year, allowing drivers to pay for less distance covered.
Over-50s specialisation. Policies are designed specifically for the needs of drivers aged 50 and over, focusing on more experienced motorists.
Agreed value choice. Policyholders can select a fixed amount the vehicle is insured for, providing certainty on the payout figure regardless of market fluctuations.
24-month new car replacement. If your car is written off in the first 2 years of its original registration, it can be replaced with a new model of the same make and grade.
Emergency travel and accommodation. Provides up to $500 for travel and accommodation costs if an accident or theft occurs more than 200km from home.
Exclusive perks and rewards. Australian Seniors also offers the free Seniors Community Hub and Australian Seniors app. Designed for Australians over 50, members can access exclusive content, resources and Seniors Rewards, including over $5,000 worth of offers across dining, entertainment, travel and shopping. For more information about the app, head to the Australian Seniors website.
How much does Australian Seniors car insurance cost?
To help give you an idea about Australian Seniors car insurance costs, we gathered annual quotes across their various policy types. Just remember, prices are going to change based on things like your vehicle make, model and year, where the car is parked, driver's age, claim history and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
To determine these insurance costs, we sourced comprehensive, third party fire and theft & third party property damage car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.
What is not covered?
To understand the specific limitations of a policy, it is necessary to read the Product Disclosure Statement. The following list outlines general exclusions that typically apply to Australian Seniors car insurance:
Drivers younger than any age restriction shown in your Certificate of Insurance
Learner drivers not accompanied by a fully licensed driver
Driving under the influence of any drug, alcohol, or exceeding legal blood alcohol limits
Drivers not legally licensed to drive or not complying with licence conditions
Usage for a fee or reward, such as hire car, delivery car, or driving lessons
Motor sports, motor sport trials, or driving on a motor sporting circuit
Mechanical, electrical, or computer breakdowns and failures
Damage arising from wear and tear, rust, or corrosion
Vehicles used while in an unsafe or unroadworthy condition
Pre-existing damage, faulty workmanship, or incomplete repairs
Making a claim
To lodge a car insurance claim, Australian Seniors provides a structured process through their online portal or over the phone:
Prioritise safety. Ensure everyone involved is safe and move the vehicle to a secure location if possible to prevent further damage.
Gather evidence. Take photographs of the damage and the scene, and record the time, location, and circumstances of the incident.
Collect details. Obtain names, contact information, registration numbers, and insurer details from all other parties.
Prepare documentation. Have your driver's licence details and any relevant evidence of ownership, such as receipts or reports, ready for the lodgement.
Lodge the claim. Submit the claim online by logging into the My Account portal, or call the claims team on 13 13 43, available 24/7 for emergency support.
Avoid unauthorised actions. Do not admit fault or liability to anyone except the police, and do not approve any repairs beyond essential work needed to prevent further loss.
FAQs
Australian Seniors is owned by Greenstone Financial Services.
This option provides a premium based on a specific kilometre range for those who drive less frequently. Eligibility is determined during the quote process.
Australian Seniors selects a repairer from its network near your home or work. While you can provide a quote from your own repairer, the insurer determines which repairer is used. Approved repairs include a quality guarantee for as long as you own the car.
Learner drivers are covered if they hold a valid permit and are supervised by a fully licensed driver. Specific excesses or exclusions may apply to these claims.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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