National Seniors Car Insurance

National Seniors is an Australian insurer geared towards older Australians. It provides car insurance, caravan/trailer insurance, home insurance, landlord insurance, travel insurance, life insurance, health insurance and business insurance.

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See below for a snapshot of National Seniors’s car insurance products on offer for a 50-year-old male living in New South Wales who does not require an extra driver under 25.

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What types of car insurance does National Seniors offer?

National Seniors only offers three levels of car insurance cover – Comprehensive, Property Damage and Fire & Theft. The company’s Comprehensive car insurance covers you for accidents, fire, theft and third party damage for which you may be at fault. The policy includes cover for:

  • New replacement for a vehicle less than two years’ old
  • Legal costs and liability
  • Transportation costs
  • Repairs
  • Personal effects
  • Re-keying and re-coding
  • Guaranteed renewal
  • Rating 1 for life (if applicable)

If you’re unsure as to which kind of car insurance is most appropriate for you, or don’t understand the differences between the different levels of cover, here’s our guide to the different kinds of car insurance.

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How do you buy car insurance from National Seniors?

You can purchase a National Seniors car insurance policy by visiting the company’s website and clicking on the ‘Get a Quote’ button; you can also choose to call National Seniors on 1300 50 50 99. You’ll need to supply multiple details about yourself, such as your car’s model and age, your suburb, parking arrangements, age, sex and family status.

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How do you lodge a claim with National Seniors?

You can lodge a claim with National Seniors online or over the phone. To make an online claim, use the ‘Make A Claim’ button on the National Seniors website. If you’d prefer to make a claim over the phone, use the 24/7 claims hotline by calling 1300 50 50 99 to talk to a helpful consultant. Here’s our guide to navigating the car insurance claims process.

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National Seniors FAQs

National Seniors allows you to add the following as optional extras on your Comprehensive car insurance cover:

  • Removal of basic excess for windscreen claims

All other benefits are included as standard.

Yes, National Seniors allows you to choose between market and agreed value for your vehicle. If you’re not sure which one would be best for your vehicle specifically, here’s an article of ours that may help you make your mind up.

Yes, National Seniors allows you to nominate a higher or lower excess. This may affect the cost of your car insurance premiums; a higher excess will typically result in a lower premium, while a lower excess will typically result in a higher premium. You can change your excess on Comprehensive insurance with the following options:

  • Restricted driver excess – $2,500 any one claim
  • Unnamed driver excess – $2,500 any one claim

Find out more about car insurance excesses here.

Your National Seniors car insurance policy is guaranteed to automatically renew if you choose not to alter it after receiving your renewal notice. If you’re not sure whether to renew or switch, here’s our guide to choosing, and if you do decide to switch car insurance policies, here’s how you do so.

Make sure you compare car insurance policies before simply renewing the same policy, so that you continue to get outstanding value insurance at a great price:

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National Seniors is a company dedicated to providing products for older Australians, and fighting for a fair go for the over 50s. In addition to the wide range of insurance products on offer, the company hosts many events each year Australia-wide, which discuss investing, superannuation and life planning for its customers. National Seniors offers multiple discounts on holidays, food and drink, services and subscriptions for its members, as well as a wide range of information about navigating life after you’ve reached your half century.

The table below displays a snapshot of comprehensive car insurance policies on our database that at the time of writing offer a no claim bonus that isn’t always impacted by hail and flood damage or theft claims. Please note the results are based on a 30-39 year old male who lives in New South Wales and does not require an extra driver under 25 (with link to provider’s website, ordered by Star Rating), so some products may not be available to you. Remember to read the PDS carefully to understand each insurer’s policy on their no claims bonus.

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Written by: Sam Bloom | Last updated: