Does National Seniors car insurance feature a cooling-off period?

Yes, 14 days is cooling-off period and it applies to all policies.

Will I need to pay an excess on windscreen claims?

Yes, but you do have the option to remove this excess on your Comprehensive policy by paying an additional premium.

Can I also take advantage of Allianz Roadside Assistance?

Yes, National Seniors Australia members receive 10% off Roadside Assistance.

Can I pay my insurance premiums by the month?

Yes, you have the option to pay your premiums by the month without incurring any extra cost.

National Seniors Car Insurance Review

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National Seniors offers three car insurance policies issued by Allianz, with 24/7 claims support.
Discounts include up to 10% online for Comprehensive and 10% for eligible safe drivers.
Be aware of specific excesses like $2,500 for unnamed or restricted young drivers.

Pros

National Seniors allows you to pay by the month at the same annual cost.
You can choose to insure the car for an agreed value rather than what the market says it’s worth at the time of an accident, providing more financial certainty.
The comprehensive policy allows you to select your own repairer, whereas many insurers uses their own network.

Cons

Premiums may not be competitive for households where younger drivers are listed as occasional drivers.
To access the full range of benefits and the Renewal Invitation Guarantee, you must be a paying member of National Seniors Australia. This adds an annual recurring cost to your total expenses.

Compare National Seniors' car insurance policies

Finder Score	Accidental damage	Roadside assistance	Fire and theft	New Vehicle Replacement	Hire car after theft
9 Excellent National Seniors Comprehensive	9 Excellent		Standalone		If your car is written off in the first 2 years	Up to $100 per day - Up to 30 days	View details Compare product selectionCompare	loading
Not scored yet National Seniors Third Party Property Damage	Not scored yet		Standalone				View details Compare product selectionCompare	loading

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.

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Why choose National Seniors car insurance?

Here are some reasons why a National Seniors might be a good fit for you.

Monthly payment structure. Policyholders have the option to pay their premiums in monthly installments at no additional cost compared to an annual payment.
Renewal invitation guarantee. National Seniors Australia members are guaranteed a renewal invitation for their policy. The company will not decline to renew a policy solely because of the policyholder's age or claims experience.
Customer service parameters. Unlike many corporate providers, the customer service team is not managed based on average call handling times. This allows staff to remain on the phone with customers for as long as necessary to address inquiries.
Revenue model for advocacy. National Seniors Insurance is part of a not-for-profit advocacy organisation. Profits from insurance policies are used to fund research and advocacy efforts focused on issues affecting older Australians, such as the age pension and cost of living.

How much does National Seniors car insurance cost?

To help give you an idea about National 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.

2 of 2 results

Comprehensive annual quote	Third party fire & theft annual quote	Third party property damage annual quote
9 Excellent National Seniors Comprehensive	$1,868.21	N/A	N/A	View details Compare product selectionCompare	loading
Not scored yet National Seniors Third Party Property Damage	N/A	N/A	$585.28	View details Compare product selectionCompare	loading

Showing 2 of 2 results

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 isn't covered by a National Seniors policy?

National Seniors car insurance will not cover your claim if:

Unlicensed driver
Declined cover
Under the influence of alcohol or drugs
Overloading
Unsafe or unroadworthy condition

Malicious or criminal act
Tyre damage
Failure to safeguard your vehicle after an incident
Failure of a computer or similar equipment
Carrying passengers for hire, fare or reward

How to file a claim

Secure the scene and gather details. Before leaving the site of the incident, ensure everyone is safe. If there are other people involved, collect all necessary information.
Document the damage. Take clear photos or videos of the damage to your car and any other vehicles or property involved. If you have a dashcam, save the footage of the incident. This visual evidence helps the insurer understand the extent of the damage and who was at fault.
Lodge your claim online. Visit the Allianz website to use the online claim form. You can start your claim at any time (24/7). You don't need to have every detail ready to begin, as you can add more information later.
Assessment and repairs. Once submitted, a consultant will review your claim and contact you, usually within two business days to provide a claim reference number.

FAQs

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. National Seniors Car Insurance information page
2. National Seniors Car Insurance information PDS (accessed April 2026)

Thank you for your feedback!

Written by

Alexandra Koster

Publisher

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Alexandra Koster was Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs. See full bio

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2 Responses

GregOctober 27, 2023

do you provide insurance on campervans and motorhomes?

Finder

PetaOctober 30, 2023Finder

Hi Greg, you’re best to check the National Seniors Insurance website or call their team.

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National Seniors Car Insurance

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

Key takeaways

Pros

Cons