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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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.
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
Up to 10% online discount
Up to 10% safe driver discount
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.
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
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.
$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.
Is this insurance right for me?
National Seniors Car Insurance has a number of eligibility requirements. For example, your vehicle will need to be roadworthy and registered with the relevant transport authority in Australia. The underwriter of this insurance, Allianz, specifies that the likely financial situation its products are suited to is as follows: "Persons who are able to pay premiums in accordance with the chosen premium structure, and any excess in the event of a claim in accordance with the chosen excess option."
It's crucial that you read the National Seniors' Product Disclosure Statement (PDS) to determine if this car insurance will meet your needs and circumstances.
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
Why you can trust Finder's car insurance experts
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You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
FAQs
Yes, a 14-day cooling-off period applies to all policies.
Yes, but you do have the option to remove this excess on your Comprehensive policy by paying an additional premium.
Yes, if you purchase a new National Seniors Comprehensive Car Insurance policy, you will receive 12 months of Australia-wide roadside assistance.
Yes, you have the option to pay your premiums by the month without incurring any extra cost.
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.
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
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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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching car insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
do you provide insurance on campervans and motorhomes?
Hi Greg, you’re best to check the National Seniors Insurance website or call their team.