An image of an older lady wearing a floral  blouse.

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.

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.

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.

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
Covered
Optional
Not Covered

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.

An image of Sydney harbour

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.

An image of the Gold Coast coastline

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.

An image of the Great Ocean Road

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.

The Elizabeth Quay Bridge in Perth

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.

A road overlooking The Nut in Tasmania.

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.

Ready to compare car insurance?

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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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.