Australian Seniors car insurance review

With 5% off for seniors, budget-friendly policies, and some uncommon benefits, Australian Seniors is worth considering.

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Our verdict

Pros

  • Australian Seniors car insurance is cheaper than the average
  • Seniors Card holders enjoy an extra 5% off their premium
  • Enjoy some uncommon benefits, including transit cover and substitute car cover

Cons

  • Hire car cover is capped at $50 a day - less than many other brands
  • There's no option to choose your own repairer

How does Australian Seniors compare with other car insurers?

We compared over 30 car insurance brands in the 2024 Finder Car Insurance Awards. Australian Seniors comprehensive car insurance is more expensive than most, but does offer some interesting benefits.

Features

Product FCI Finder Score Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Finder Score
  • If your car is written off in the first 2 years
  • Optional
    Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover.

    ⭐ Current offers: Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.

    Who it might be good for: People over 50 years old looking for flexible cover options.
    Finder Score
    Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Finder Score
    Optional
  • If your car is written off in the first 2 years
  • Finder Score
  • If your car is written off or stolen in the first 2 years
  • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Finder Score
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for. For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Finder Score for car insurance

    We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.

    Read the full Finder Score methodology

    Price

    On average, a comprehensive car insurance policy from Australian Seniors costs $1,318 a year - less than the national average of $1,362. These quotes are based on a fictional profile and your own quote will differ.

    Keep in mind, the best car insurance for you may depend on more than just price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Seniors logo$1,503$1,090$1,132$1,084$1,852$1,248$1,318More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare Australian Seniors' policies

    Product FCI Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Optional
  • If your car is written off in the first 2 years
  • Up to $50 per day - Up to 14 days
  • Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover.

    ⭐ Current offers: Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.

    Who it might be good for: People over 50 years old looking for flexible cover options.
    Optional
  • If your car is written off or stolen in the first 2 years
  • Up to $50 per day - Up to 14 days
  • Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
    Optional
  • Up to $50 per day - Up to14 days
  • Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
    Optional
  • Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
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    What additional cover options are available?

    Australian Seniors offers three add-on features to its comprehensive car insurance policies:

    • Excess-free windscreen cover - One excess-free claim to repair or replace your windscreen each year
    • Hire car cover - Get a hire car if your car vehicle is out of action due to any insured event
    • Roadside Assistance - 24/7 recovery service to help you get back on the road

    FAQs

    Compare other products from Australian Seniors

    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 239 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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