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Looking for award-winning car insurance for seniors?

As a more senior (and perhaps wiser) member of society, you’ve probably been driving for many years, and have a good idea about the types of risks to look out for on the road. However, everyone needs protection when things don’t go to plan while driving. So if you’re looking for car insurance for pensioners and seniors, consider the options available from Youi.

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Quality car insurance for Australian seniors

Here at Youi, we take the time to really get to know who you are, what’s important to you, and how you like to use your car. This means that, when you’re looking to take out seniors car insurance, you might find an option from Youi that suits. So whether you’re a silver nomad navigating the country or you’re just navigating your way to the shops, get in touch with the Youi team today.

Why choose Youi?

Great car insurance for pensioners goes beyond just a good price. It’s about the quality customer service, inclusions and extras that come with it too.

Roadside assistance

With 24/7 roadside assistance, we can help you and your loved ones if your car breaks down – day or night. Some limits and fees apply.¹

Repairs guaranteed

Have peace of mind knowing our quality guarantee will cover all authorised repairs for as long as you own your car.²

24/7 claim support

From the moment you need us until your claim is sorted, our friendly team of insurance specialists is here to help you.

Prefer to speak to a real person?

Sometimes, there’s nothing better than just picking up the phone to talk things through. Give us a call and chat to a knowledgeable Youi team member today as you search for seniors car insurance. We might have a cover to suit you.

What type of cover is right for you?

So you’re looking for seniors car insurance? While we don’t have a specific product for seniors, some of our options might be just what you’re looking for. Read on, as we like to make it crystal clear what is (and isn’t) included in our policies.

Comprehensive insurance

As the name suggests, this is our most comprehensive option, including cover for loss or damage to your car, as well as if your car causes damage to someone else’s car or property. It also includes cover for theft, fire, storms, hail and floods.¹⁰

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Roadside assistance included as standard. Some limits and fees apply.¹
Up to 14 days car hire following a not-at-fault accident.¹
If your new car is a total loss within 2 years of it being first registered, we will replace it or pay you the replacement cost.³

Third Party Fire & Theft

Cover for your car against fire and theft, as well as if your car damages someone else’s car or property.

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Up to 14 days of car hire included after a theft or attempted theft.⁴
Towing and storage costs covered if your car is damaged or can’t be driven after an insured event.⁵
Up to $1,000 combined costs reimbursed for emergency transport, repairs and accommodation if you’re more than 100km from home and your car cannot be driven safely after an insured event.⁶

Third Party Property Only

Cover if your car causes damage to someone else’s car or property.

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Up to $5,000 cover (after excess) against uninsured third parties if the third party was completely at fault for the incident and you provide the required details.⁷
Legal liability up to $20 million.⁸
Counselling services up to $1,500 per person for you, listed drivers and household members after an insured event.⁸

Comprehensive insurance

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Roadside assistance included as standard. Some limits and fees apply.¹
Up to 14 days car hire following a not-at-fault accident.¹
If your new car is a total loss within 2 years of it being first registered, we will replace it or pay you the replacement cost.³

Third Party Fire & Theft

Cover for your car against fire and theft, as well as if your car damages someone else’s car or property.

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Up to 14 days of car hire included after a theft or attempted theft.⁴
Towing and storage costs covered if your car is damaged or can’t be driven after an insured event.⁵
Up to $1,000 combined costs reimbursed for emergency transport, repairs and accommodation if you’re more than 100km from home and your car cannot be driven safely after an insured event.⁶

Third Party Property Only

Cover if your car causes damage to someone else’s car or property.

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Up to $5,000 cover (after excess) against uninsured third parties if the third party was completely at fault for the incident and you provide the required details.⁷
Legal liability up to $20 million.⁸
Counselling services up to $1,500 per person for you, listed drivers and household members after an insured event.⁸

For more details on our car insurance policies, see the Product Disclosure Statement.

After car insurance for pensioners? Compare our options.

The following table makes it nice and clear for you to see what is and isn’t included with our Comprehensive, Third Party Fire & Theft, and Third Party Property Only car insurance.

Comprehensive

Third Party Fire & Theft

Third Party Property Only

A bump here, a scratch there, or maybe something bigger. If someone accidentally damages your car, we’ll cover the cost to replace or repair it.¹

Things like smashed windows and damaged paintwork aren’t always accidents. If someone intentionally damages or vandalises your car, we’ll cover that as well.¹

When the weather’s at its worst, feel confident knowing your car’s covered against accidental damage caused by storm, hail and flood.¹⁰

From bushfires to housefires, dealing with fire is part of life in Australia. If your car sustains damage in a fire, we’ll cover the cost to replace or repair it.⁹

Having your car stolen can really turn life upside down. Get peace of mind knowing we’ll cover your car for damage caused by theft or attempted theft.⁴

When an earthquake hits it can cause major destruction. With Youi, you can feel confident that your car will be covered if it’s damaged.⁴

If your car causes damage to another person’s property, we’ve got you covered for up to $20 million in legal liability.⁸

If your car’s damaged in an insured event and can’t be driven, we’ll cover the reasonable cost of towing it to, and storing it at, the nearest suitable location.⁵

If your car can’t be driven after an insured event, we'll reimburse you up to $100 to get you home or to and from a repairer or hire car provider.⁴

If your car can’t be safely driven after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 combined costs for emergency accommodation, transport and repairs.⁶

We’ll cover the reasonable cost of a hire car for up to 14 days if your car can’t be driven due to theft or an attempted theft.⁴

If your car can’t be driven after an accident where the other driver is at fault, we’ll cover the cost of a hire car until your car is repaired or until we pay out your claim for a total loss.¹

Covered

Optional

Not Covered

Is seniors CTP insurance on your to-do list ? We’ve got options that could help.

NSW CTP Green Slip SA CTP

What are the rules for seniors having a driver’s licence in NSW?

When you reach 75 years of age in NSW, you are required to have a medical assessment every two years to keep your licence. Two months before you turn 75, NSW Roads and Maritime Services will send you a form to take to your doctor.

When you turn 85 in NSW, you may opt for a modified licence. A modified licence allows you to drive certain distances within your local area to access the services you need, such as shopping, community activities and medical appointments. If you want to continue with your unrestricted licence, you must have a yearly medical assessment and pass an on-road driving assessment every two years.

The above information is taken from Transport for New South Wales and is subject to change. Check the government site for updates.

What are the rules for seniors having a driver’s licence in QLD?

For drivers 75 and over in QLD who hold a Queensland driver’s licence, you must carry a current ‘Medical certificate for motor vehicle driver’ form at all times when driving and comply with any of the stated conditions within it. Part of this form must be completed by your health professional, and if you don’t carry the form with you when driving, you could be fined.

The above information is taken from the Queensland Government website and is subject to change. Check the government site for updates.

What are the rules for seniors having a driver’s licence in VIC?

In Victoria, you’re allowed to drive up to any age, on the condition that you’re medically safe to drive. You’re not required to pass a licence test when you reach a certain age, but as you get older, you must notify VicRoads if you have (or develop) a medical condition or disability that could affect your driving.

In some cases, you may be required to undergo a medical review so your fitness to drive can be assessed. This may happen if concerns about your ability to drive safely have been reported to VicRoads.

The above information is taken from the VicRoads website and is subject to change. Check the government site for updates.

What are the rules for seniors having a driver’s licence in WA?

In WA, once you reach the age of 80, you must undergo an annual medical assessment before you can renew your licence. You’ll need to complete a medical assessment certificate and undertake a medical examination with your health professional.

If your health professional is concerned about your fitness to drive, it may be recommended that you take a Practical Driving Assessment before your licence can be renewed.

The above information is taken from the WA Government website and is subject to change. Check the government site for updates.

What are the rules for seniors having a driver’s licence in SA?

In SA, both you and your doctor are required to report any medical condition that could affect your ability to drive safely to the Registrar of Motor Vehicles. When you renew your licence, you may be required to undergo medical assessments, self-assessment and/or a practical driving assessment.

You will be sent a Certificate of Fitness in the mail and asked to visit a medical practitioner for a medical assessment if:

you have a medical condition recorded against your driver’s licence that is subject to a periodic review, or
you are aged 70 or older and hold a licence for a class of vehicle other than a car (e.g. a heavy vehicle or motorbike).

The above information is taken from the SA Government website and is subject to change. Check the government site for updates.

A vineyard at sunset in South Australia.

What are the rules for seniors having a driver’s licence in the ACT?

In the ACT, retaining a driver’s licence is determined by your behaviour and medical fitness to drive, not your age. All ACT drivers need to pass a vision test during the licence application process, and then every 5 years once you turn 45, and every year from 75 years of age.

If you hold a driver’s licence in the ACT, you have a responsibility to report (within 7 days) any long-term or permanent injury or illness that may affect your driving ability, respond truthfully to health professionals, follow any prescribed medical treatments, and comply with conditional licence requirements.

Conditional licence requirements are added onto your licence if you have a medical condition that may affect your driving. These can include:

medical advice, such as ‘glasses must be worn’
required vehicle modifications
driving restrictions, such as ‘must drive only during daylight hours’
requirements to see a health specialist for regular reviews and medical assessments.

Licence holders over the age of 75 must also attend an annual medical examination to ensure continued safety on the road.

The above information is taken from the ACT Government website and is subject to change. Check the government site for updates.

An image of Parliament House in Canberra.

What are the rules for seniors having a driver’s licence in TAS?

In Tasmania, it’s your responsibility to regularly assess your fitness to drive, including any:

permanent or long-term injury or illness you have
changes to your physical or mental condition (including conditions affecting eyesight or hearing)
other factors that could affect your ability to drive (such as certain medications).

If you have a condition that affects your driving, there are a few different potential outcomes in Tasmania. You could:

continue driving
be required to have periodic medical assessments
be required to undertake a driving assessment or occupational therapy driving assessment, or
have conditions put on your licence (e.g. only driving during the day).

The above information is taken from the Tasmanian Older Drivers’ Handbook and is subject to change. Check the government site for updates.

How to save more on car insurance.

Car insurance can be a very worthwhile investment, covering you for various damages and repairs if an accident was to happen. Still, it pays to make sure your insurance works well for your needs, minimises costs and improves your savings.
Understanding which factors affect the cost of your insurance – like your policy, excess and driving history – helps you understand how your insurance is calculated and how you might be able to save.

Consider your car

The make and model, age, condition and value of your car all play a role in how your insurance is calculated.

Reduce risk factors

Parking in a garage, reducing your mileage and ensuring you drive carefully to avoid incurring demerit points may help you save more on your car insurance.

Increase your excess

The excess is what you’ll pay to your insurer if you make a claim. Choosing a higher excess means you might pay more at claim time, but it may help reduce the cost of your policy.

Consider your car

The make and model, age, condition and value of your car all play a role in how your insurance is calculated.

Reduce risk factors

Parking in a garage, reducing your mileage and ensuring you drive carefully to avoid incurring demerit points may help you save more on your car insurance.

Increase your excess

The excess is what you’ll pay to your insurer if you make a claim. Choosing a higher excess means you might pay more at claim time, but it may help reduce the cost of your policy.

Ready to compare car insurance?

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Still have questions in your search for seniors car insurance?

We frequently get questions about seniors car insurance and car insurance for pensioners. You might find answers here.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

Everyone’s situation is different, so there’s no definitive answer as to what the best car insurance is for seniors and pensioners. We may be biased, but we believe Youi is a pretty great option.

Between our awesome customer service, our wide range of inclusions, our suite of optional extras and our 24/7 claims, we’re an insurance provider that offers various types of cover that could be ideal when you’re looking for seniors car insurance. We really care about getting to know you and how you use your vehicle.

Some features to potentially consider when you’re shopping around for car insurance as a senior include:

24/7 claims support
Roadside assistance
Caravan/motorhome contents cover

Age tends to affect car insurance for pensioners and seniors by potentially driving up prices due to the increased perceived risk by insurers. For example, seniors being more prone to age-related illnesses or needing to take a medical test before renewing their licence may be viewed as meaning they’re more likely to be involved in a car accident.

However, there are a number of things you can do to potentially reduce the cost when searching for seniors car insurance, such as:

increasing your excess
finding a secure place to park your car before taking out insurance, such as in a locked garage
restricting the age of the people who can drive your car
checking if you’re eligible for discounts.

Your age may impact your car insurance due to the increased risk perceived by your insurer. For example, your insurer may consider being prone to age-related illnesses or needing to pass several medical tests before renewing driving licences as meaning you’re more likely to be involved in a motor vehicle accident. This, in turn, can drive up the price of car insurance for pensioners.

However, there are a number of things you can do to potentially reduce the cost as you look around for seniors car insurance, such as:

checking if you’re eligible for discounts
restricting the age of the people who can drive your car
finding a secure place to park your car before taking out insurance.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

Guides

Looking for more information? Catch up on our latest guides to navigate your car insurance needs and answer some commonly-asked questions.

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What people are saying

Excellent

4.7 / 5 from over 21,978 reviews.

29 Oct 2024

Was referred to Youi and not disappointed

Enquired about car insurance through Youi after a recommendation from a friend in the car industry. Please I got in contact. Talked to an engaging representative, very knowledgable and easy to talk to. Made me feel comfortable. Answered all my questions and I saved money along the way.

15 Oct 2024

10/10. Customer focused

Youi were very helpful in explaining everything to do with the new car policy I have just taken out. It was a pleasure dealing with the assistant on the other end of the line, and she is a credit to Youi. 10/10

15 Oct 2024

Ease of dealing with Youii

Ease of dealing with Youii. Chanae was more than helpful in setting up a new car policy. No mucking around, this was wrapped up in 10 mins and at a very competitive price.

11 Oct 2024

Amazing service & Price!

Amazing service & information to make an informed choice for car insurance. Saved time, energy & huge dollars. Friendly service & helpful to our needs.

18 Sep 2024

Youi made the whole thing easy...

Youi made the whole ordeal of a car binge the easiest and most pleasant experience ever. The lady on the phone was absolutely lovely and walked me through the process. The auto repairer was professional and easy. The whole thing was seemless. Youi is the best - all our cars are with them!

10 Sep 2024

Outstanding customer service from Elizabeth

Elizabeth was patient, funny and very helpful discussing a car insurance quote I made a few days ago! A+ service, thank you! :)

05 Sep 2024

Amazing customer service representative.…

I would like to say what an amazing experience I had with the consultant today named Nathan , he went above and beyond to get me the best quote of car insurance. It's my first time being with youi and I'm glad I picked this car insurance. I will recommend it to all my family and friends.

14 Aug 2024

Very impressed by Youi’s service

Very impressed by Youi’s service. Very professional, very quick and straight forward, staff extremely friendly. Car booked in to be towed within minutes of speaking to them. Would highly recommend

12 Aug 2024

Made an online claim for damage to my parked car.

Made an online claim for damage to my parked motor vehicle. Within 5 minutes I received a follow up call from Youi to progress my claim. Nothing but support and made the process seem so easy.

12 Aug 2024

Fantastic customer service

Fantastic customer service, they could not have been more helpful. Set the ball rolling very quickly and arranged a convenient time for the car damage to be assessed. So glad we chose Youi.

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Disclaimers

¹ Available with Comprehensive policies. For more details, see the T&Cs.
² Applies for claims where we arrange, authorise and pay a service provider for the repairs. For more details, see the PDS.
³ If your car is a total loss from an insured event within 24 months of it being first registered, we’ll replace it with a new one or pay the equivalent replacement cost.
⁴ Available for Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
⁵ Available for Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS.
⁶ If your car’s unsafe to drive after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation and/or repairs. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
⁷ Available for Third Party Fire & Theft and Third Party Property Only policies. The required details of the uninsured third party involved include the full name of the third party and two of either their phone number, address, driver’s licence number, or the registration number of their vehicle that was involved in the incident. For more details, see the PDS.
⁸ Available with all levels of car insurance except CTP. For more details, see the PDS.
⁹ Loss or damage caused by a bushfire within the first 72 hours of your policy commencing is only covered in limited circumstances. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
¹⁰ Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a flood, storm, hail or bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss, damage or legal liability caused by, resulting or arising from flood, storm, hail or bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. For more details see PDS, TMD and your policy schedule.