Get complete cover without paying for unnecessary extras with Seniors Pay As You Drive – perfect for those driving less and enjoying the finer things in life.
WIN $10,000 cash when you buy a Seniors Car Insurance policy by 31 January 2025.1
5% discount for Seniors Card holders2
Driving less doesn’t mean you should settle for less. That’s why we offer comprehensive car insurance at a price based on the distance you plan to drive. Whether you only take short trips on your daily routine, or simply plan to enjoy more time off the road, Seniors Pay As You Drive cover ensures you’ll never have to worry about the unexpected happening.
Simply advise us how often (or little) you drive each year, and we’ll prepare a quote based on the number of kilometres. You can even apply to increase your end odometer reading allowance if you need to take a few extra trips.
As a valued Australian Seniors customer, when you take out Seniors Car Insurance, you’ll receive ongoing complimentary digital issues of DARE magazine, sent straight to your email inbox. Learn more and view the applicable T&Cs.
With Seniors Pay As You Drive Car Insurance, you’ll get all the benefits of comprehensive cover for less, depending on the distance you plan to drive. Stay protected against accidents, fire, theft, and more.
Whether it’s a short-notice road trip or just for everyday errands, you can apply to increase your kilometres over the phone at any time should you end up driving more than expected.
Our preferred supplier ensures your authorised repairs are carried out in accordance with the latest Australian standard.
If your car is stolen, you can get back on the road in no time with hire car cover.
Stay in control of how and when you pay your premiums, as well as the basic excess amount per claim.
With Australian Seniors, one phone call gets you expert mechanical assistance – anytime, anywhere in Australia.
| Third party property damageCover for damage to someone else’s property if you’re at fault. |
Yes |
| CollisionCover for collision with another car or object, regardless of fault. |
Yes |
| Theft and malicious damageProtection against theft or other deliberate damage to your car, such as arson or vandalism. |
Yes |
| Natural eventsCovers you for damage caused by wind, storm, lightning, or other natural disasters. |
Yes |
| FireFor cover against deliberate or accidental fires. |
Yes |
| New for old replacement3If your car is a total loss in the first 24 months, we may provide you with a brand new car. |
Yes |
| Hire care after theftUp to $50 a day for up to 14 days for hire car if your car is stolen. |
Yes |
| Agreed valueChoose the value your car is insured for in case of total loss or damage. |
Yes |
| Emergency repairs or towing costsWe’ll pay up to $500 for urgent, essential repairs or towing costs after an accident or theft, so you’re never left stranded. |
Yes |
| Personal property coverFor select items in your car damaged in an accident. |
Yes |
| Trailer and caravan repairsUp to $1,000 cover if a correctly attached trailer or caravan is damaged. |
Yes |
| Emergency travel and accommodationUp to $500 cover in case you are left stranded more than 200 kms from your home due to an accident. |
Yes |
| Lock and key replacementUp to $1,000 for a new lock and keys or a recoded lock If your car keys are stolen. |
Yes |
| Transit coverProtection against damage while your car is being transported within Australia. |
Yes |
| Child safety seats and pramsUp to $500 to replace child safety seats, baby capsules or prams in your car. |
Yes |
WIN $10,000 cash when you buy a Seniors Car Insurance policy by 31 January 20251
You and your family need insurance that delivers real value. With Australian Seniors, you get just that and more.
Enjoy the confidence of knowing that your policy is backed by world-leading underwriters.
We’ve got years of experience, helping you to protect your family and assets with award-winning products and award-winning service.
We believe insurance should meet your needs, not someone else’s. That’s why we focus on providing the best possible cover for Australians over 50.
We’ve been doing what we love for years, just like you. Put yourself in good hands with Australian Seniors.
If you need to make a claim and your car needs repairs, we’ll choose a repairer located as close as possible to your home or work from our extensive repairer network. When you use one of our approved repairers, the repairs are covered by a guarantee, so long as you remain the registered owner of the vehicle.
If you prefer to choose your own repairer, you can arrange for a quote and send it to us. But please note that we reserve the right to determine and arrange for repairs to be carried out by our preferred repairer.
You can increase your excess at any time during your car insurance policy. However, you can only decrease your excess when renewing your policy.
If you are not driving frequently you could qualify for our Pay as You Drive cover and save money on your car insurance. If you are eligible for our Pay As You Drive cover when obtaining a quote, you will be offered that option.
Yes, we do! If you’re a learner, our car insurance policies cover you as long as:
To help us offer affordable, fair car insurance premiums for the majority of people, we do have age restrictions on our policies. Generally, we insure drivers up to 99 years of age. However, certain vehicles have higher age minimums.
Ensure your contact details and payments details are up to date on your account. If details are up to date, your refund will land in your account in the timeframe noted on your notification letter.
If you have any questions about your refund, call us on 1300 919 583 and we can provide more information or help you update your account details.
Why do you need payment details from me?
To refund you, we’ll need a bank account or credit card details to send the money to.
Where do I update my payment details?
Log into My Account to update your details, or give us a call on 1300 919 583.
My policy is no longer active — what do I need to do?
If your policy is no longer active, but you need to update your payment details, please give us a call on 1300 919 583 and our staff will be able to process the refund over the phone.
What will happen if I don’t respond to your letter or email about a refund?
To refund you, we’ll need a bank account or credit card details to send the money to. We encourage you to contact us so that you can receive your refund.
What can I do if I’m not happy with the refund amount?
If you’re not happy with the refund amount or have a complaint, please contact us on 1300 919 583.
18 Sep 2022
In the third series of our Life’s Booming podcast, No Regrets, Graciela Szwarcberg, 60, and Hector Poch, 62,...
Read more about Well-travelled couple explore the world in a motorhome
Tips
24 Aug 2022
Winter can create unique driving conditions, here are some things you can do to help you stay safe on the...
Read more about How to stay safe on winter roads
Tips
27 Jan 2022
Road tripping around Australia for your summer break? Preparation is key. Here’s the essential road trip...
Read more about Ready for a summer road trip? Here are some tips
Tips
3 Dec 2021
Who wants to swelter over a hot stove on Christmas Day? New traditions mean there are plenty of ways us...
Read more about How Christmas in Australia has changed over the years
Tips
30 Aug 2021
Driving comes with a sense of independence. But what if your elderly friend or relative is dangerous behind...
Read more about How ageing can affect driving
Tips
22 Jun 2021
Driving licence regulations can change as you get older, so what are the rules for Australian seniors? Here...
Read more about Driver's licence regulations in Australia for seniors
TipsHollard Roadside Assistance™ is provided by Digicall Assist Pty Ltd. ABN 92 152 605 340.To find out more, read the full Terms and Conditions here.
For total cover for less, call our friendly team now on 1300 760 157. We are here 8am to 7pm Monday to Friday. You can also request a call-back at a time that suits you.