National Seniors Car Insurance Review April 2021 | finder.com.au
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National Seniors Car Insurance

Tailor cover to your needs and enjoy the convenience of a 24/7 claims service.

Alexandra Koster
Alexandra Koster
Updated

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National Seniors Insurance is run by National Seniors Australia, a not-for-profit seniors organisation with more than 200,000 members. As part of its suite of cover options, National Seniors Insurance offers three levels of car insurance protection. Issued by Allianz, these policies provide a wide range of benefits and are backed by 24/7 claims support.

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What policies are available?

Comprehensive Insurance

National Seniors Comprehensive Car Insurance includes accidental loss or damage to your vehicle, including theft or attempted theft, and provides new for old replacement for vehicles less than two years old. Your policy covers towing costs, emergency repairs, personal effects and trailers and caravans, while $20 million of legal liability cover is provided for when your car causes damage to other people’s property.

Third Party Fire and Theft Insurance

If your vehicle suffers accidental loss or damage as a result of fire or theft, you’ll be covered by National Seniors Third Party Fire and Theft Insurance. This includes cover for a hire car after theft and your choice of repairer, while $20 million of legal liability cover is also included for when your car causes damage to someone else’s car or property. You’re also protected for damage resulting from a no-fault accident with an uninsured vehicle.

Third Party Property Damage Insurance

The most basic level of cover available from National Seniors Insurance, Third Party Property Damage Insurance covers $20 million of legal liability when your car causes damage to someone else’s car or property. You’re also protected for damage resulting from a no-fault accident with an uninsured vehicle.

National Seniors car insurance levels of cover

Comprehensive Insurance

  • Covers accidental loss or damage (including theft)
  • New for old replacement on vehicles less than two years old
  • Rental car after theft
  • Cover for emergency repairs, accommodation and towing costs
  • Cover for personal effects
  • Your choice of repairer at no extra cost
  • $20 million legal liability cover
  • No-claim bonus discount of up to 65%
  • Up to 10% online discount
  • Up to 10% safe driver discount

Third Party Fire and Theft Insurance

  • Covers loss or damage caused by fire and theft
  • Towing costs and hire car after theft
  • Your choice of repairer at no extra cost
  • $20 million legal liability cover
  • Cover for uninsured motorist damage
  • Flexible premium payment options
  • 14-day money-back guarantee

Third Party Property Damage Insurance

  • $20 million legal liability cover
  • Cover for uninsured motorist damage
  • Flexible premium payment options
  • 14-day money-back guarantee

What isn't covered?

National Seniors car insurance will not cover your claim if:

  • Your car was being driven by an unlicensed driver
  • Your car was being driven by someone who had been declined cover
  • Your car was being driven by someone under the influence of alcohol or drugs
  • Your car was carrying more people or a larger load than it was designed to carry
  • Your car was being driven while in an unsafe or unroadworthy condition
  • Your car was being used to carry passengers for hire, fare or reward
  • Your car was being used for any kind of motorsport, or for a driver education course that involved travelling at speeds in excess of 100 km/h
  • Your car was being used in connection with the motor trade for demonstrations, experiments, trials or tests
  • It results due to a deliberate, intentional, malicious or criminal act by you, someone named in the policy schedule, or anyone else acting with your consent
  • It is for loss of use of your vehicle
  • It is for tyre damage caused by braking or road punctures, cuts or bursts
  • It is caused by the lawful seizure of your car
  • You fail to properly safeguard your vehicle after an accident, theft or breakdown
  • It is caused by the failure of a computer or similar equipment
  • It is for loss or damage caused by a cyclone, flood or bushfire in the first 72 hours of cover

What excess will be charged?

You may be required to pay an excess when you make a car insurance claim. The following excesses may apply to your National Seniors car insurance policy:

  • Basic excess. The basic excess is the minimum amount payable on all claims. You can choose to increase your excess amount to receive lower premiums.
  • Age excess. This excess is payable when you make a claim for an accident that occurs when your vehicle was being driven by someone under 25 years of age.
  • Undeclared young driver excess. You’ll need to pay this excess when your vehicle was being driven by someone under 25 years of age who is not listed in your policy schedule.
  • Inexperienced driver excess. If you make a claim for an incident when your vehicle was being driven by someone over 25 years of age who has not held their current driver’s licence for more than two consecutive years.
  • Theft excess. You will need to pay this excess when you make a claim for theft or attempted theft.
  • Driver excess. This excess must be paid if the insurer has imposed an excess on a specific driver listed on your policy.
  • Unnamed driver excess. The $2,500 unnamed driver excess applies when you have chosen the named driver option but your vehicle was being driven at the time of an accident by someone not listed on your policy as a named driver.
  • Restricted driver excess. The $2,500 restricted driver excess is payable if you have chosen the restricted driver option but your car was being driven by someone under 25 years of age at the time of an accident.

Steps to save on your policy

The following tips can help you lower the cost of your National Seniors car insurance premiums:

  • Choose a higher excess. You can accept a higher excess in return for lower premiums.
  • Name covered drivers. Restricting cover to named drivers only can lower the cost of your policy.
  • Restrict the age of drivers. If you restrict cover to drivers 25 years or older, you can benefit from cheaper premiums.
  • Buy online. You can save up to 10% if you purchase your Comprehensive policy online.
  • Avoid making claims. A maximum no-claim discount of 65% is available, while National Seniors car insurance also offers a further 10% discount to eligible safe drivers.

Making a claim

It’s quick and easy to make a claim on your National Seniors car insurance policy. Allianz, the issuer of the insurance, offers a 24/7 claims process, allowing you to lodge your claim online or over the phone.

You’ll need to have your policy number ready when you make a claim and you may also be asked to provide:

  • Full details of the incident, including when and where it occurred
  • The names, contact information and insurance details of any other drivers involved
  • The details of any witnesses
  • A police incident report number (in the case of theft and vandalism claims)
  • Proof of ownership of your vehicle

FAQs

National Seniors car insurance offers a wide range of benefits to suit the needs of a variety of drivers. Compare the features and costs of National Seniors car insurance policies with those offered by other insurers to find cover that will help keep you moving.

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