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Car insurance for seniors

Looking for seniors car insurance? While we don’t offer a specific policy exclusively for seniors, there’s plenty of choice. We’ve got car insurance options for all ages, whether you’re an experienced over-50 driver or just getting started. Explore our range of cover options.

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Why choose NRMA Car Insurance as a senior?

Whether you’re enjoying retirement, caring for grandkids, or heading off on road trips, we offer a range of car insurance options so that you can choose a policy which best suits your needs. While we don’t offer a specific policy exclusively for seniors, there’s plenty of choice.

Wherever the road is taking you:

  • choose the level of cover that suits your needs
  • manage your policy online or over the phone
  • get help from our team when you need it.

You can get a quote online in minutes. Our team is also available to answer your questions by phone and help you understand the features of our policies.

Which level of cover suits you?

Take a look at our car insurance policies

Our entry-level comprehensive policy. Your car will be covered for collision damage, accidental damage to other people’s property, as well as vandalism, theft, fire and severe weather. But with this level of cover, you can’t add any optional benefits. 

Comprehensive Car Insurance offers the protection of our Comprehensive Basics cover, plus new vehicle replacement, cover for personal items, and optional benefits like hire vehicle after an incident.

Our highest level of comprehensive cover. It’s got all the basics plus optional benefits like no excess for glass damage and hire vehicle after an incident automatically included. It also offers higher value limits for certain areas of cover, like daily car hire limits and taxi fare limits. 

Cover for damage you cause to other people's cars or property in an accident, as well as damage to your car by an uninsured driver. This doesn’t cover fire or theft. Your car will be covered for collision damage, accidental damage to other people’s property, as well as vandalism, theft, fire and severe weather. But with this level of cover, you can’t add any optional benefits.

Cover for your car if it's stolen or catches fire, as well as cover for damage to other people's cars and property if you cause an accident.

Why choose NRMA Car Insurance?

Lifetime guarantee

We guarantee the workmanship of all authorised repairs to your car1

Award-winning insurance

You’ll be choosing Australia’s most trusted insurance brand2

100 years of help

With a century of experience, we know how to protect the things you care about

Make sure to read our policy booklets

Read our policy booklets for a full breakdown of what's included, what’s not included, and much more. 

Product Disclosure Statement
Target Market Determination
Premium, Excess & Discounts Guide

Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.

FAQs

Senior car insurance FAQs

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Yes. Seniors can include additional drivers on their car insurance policy.

You might consider the value of your car, your driving frequency, and your budget when weighing up your options.

Comprehensive Car Insurance offers broader protection, while Third Party Property Damage cover could be a more budget-friendly choice. Just keep in mind there's limited or no protection for your own car with Third Party Property Damage cover.

While there are no specific discounts for seniors, there are 3 types of discounts that could apply to your insurance policy with us. To find out more, head to: Our customer discounts.

To get a quote online, we’ll ask for:

  • Details about your car, including its make and model and its registered number plate
  • The level of cover you’d like and details about your car’s condition
  • Details about you, including your date of birth, gender, details on prior claims and how often you drive.

Some states require drivers aged 75 and older to undergo an annual medical assessment or complete a Motor Vehicle Driver Form.

Things you should know

  1. For as long as you own the car.

  2. NRMA Insurance was awarded the Roy Morgan Most Trusted General Insurance Brand in 2022, 2023, 2024 and 2025.