A man driving a car with a woman in the passenger seat

Car Insurance for Seniors

Car insurance for seniors – for the beach days, the milk runs and everything in between.

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AWARD-WINNING INSURANCEWeMoney Car Insurer of the Year

WeMoney - Insurer of the Year - Car Youi's Finder Most Loved Car Insurance Brand 2024 award
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Award winning car insurance

Australians – just like you – think we're doing something right. It's why we won the WeMoney Awards for Car Insurer of the Year, Outstanding Claims Experience and Outstanding Customer Service in 2025.

 

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WeMoney Awards for Car Insurer of the Year, Outstanding Claims Experience and Outstanding Customer Service in 2025

Why choose Youi?

We let you choose from a range of insurance types and optional covers that might fit with how life looks now – whether you’re working less, driving less or just thinking about a change.

Roadside assist

24/7 Roadside assistance

With 24/7 Roadside Assist included as standard with all comprehensive policies, we’re here to help – day or night – if your car breaks down or is immobilised.1

EXPLORE ROADSIDE ASSIST
Quality guarantee

Quality guarantee

We guarantee the quality of authorised repairs for approved claims for as long as you own the car.2

24/7 Claims Lodgement

24/7 claims lodgement

From the moment you need us, our friendly team is here to help – we strive to answer your call in around 30 seconds.3

OUR CLAIMS PROCESS

Speak with a real person

Sometimes, nothing beats picking up the phone to talk things through. If you’re looking for seniors car insurance or needing to make a claim, give us a call.

A Youi staff member on the phone to a customer.

What type of cover is right for you?

If you’re looking for Comprehensive, Third Party Fire & Theft or Third Party Property Only cover that’s easy to manage and backed by real support, start a quote and see how we compare.

Comprehensive

Cover for accidents, theft, fire and some severe weather events, as well as third party property damage.6

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  • 24/7 claims lodgement and roadside assistance1
  • New car replacement if your new car is a total loss 4
  • Cover for storm, flood, and fire damage5
  • Emergency accommodation, transport and repairs6
Comprehensive

Third Party Fire & Theft

Cover for fire and theft, as well as damage to someone else’s car or property.7

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  • Legal liability up to $20 million8
  • Up to $5,000 cover against uninsured third parties9
  • Theft, fire damage, and towing costs covered6
Third Party Fire & Theft

Third Party Property Only

Cover if your car causes damage to someone else’s car or property.7

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  • Legal liability up to $20 million8
  • Up to $5,000 cover against uninsured third parties9
Third Party Property Only

Compare pensioner car insurance

Our comparison table helps you understand what’s included and excluded in our Comprehensive, Third Party Fire & Theft, and Third Party Property Only car insurance policies. For a full list of inclusions, refer to our Car insurance PDS.

Comprehensive
Third Party Fire & Theft
Third Party Property Only
Accidental damage

If someone accidentally damages your car, we’ll cover the cost to replace or repair it.10

Intentional damage

Things like smashed windows and damaged paintwork aren’t always accidents – so if someone intentionally damages or vandalises your car, we’ll cover that as well.10

Storm, hail or flood

When the weather misbehaves, know your car is covered for damage caused by storm, hail or flood.5

Fire

If your car sustains damage in a fire – including bushfire – we’ll cover the cost to replace or repair it.5

Theft

We’ll cover your car for theft, or damage to the car caused by attempted theft of the car.6

Earthquake

If an earthquake hits and causes damage to your car, we’ll cover it.10

Legal liability

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

Towing costs

If your car’s damaged in an insured event and can’t be driven, we’ll cover towing and storage at the nearest suitable location.6

Personal transport

If your car can’t be safely driven after an insured event, we'll reimburse you up to $100 to get you from the scene of the incident, and transport you to and from the car’s repairer or hire car provider.6

Emergency accommodation, transport and repairs

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

Hire car following theft

Where a claim is accepted for theft or attempted theft of your car, we’ll arrange a hire car for up to 21 days.6

Hire car following a not at fault road accident

If your car can’t be driven after an accident and the other driver is at fault, we’ll cover the cost of a hire car until your car is repaired or your total loss claim is paid.10

Covered
Optional
Not Covered

Are you a senior looking for CTP insurance? We’ve got options that might help.

NSW CTP Green Slip SA CTP

Licencing rules in your state

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

When you reach 75 years of age in NSW, you’re 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 – this 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 Queensland drivers over 75 who hold a Queensland driver’s licence, you must always carry a current ‘Medical certificate for motor vehicle driver’ form when driving and comply with 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 exam 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 on car insurance for pensioners

Car insurance for seniors may help cover the cost of repairs or damage if something goes wrong on the road. When you get a quote with Youi, we’ll talk through your options and help you understand where you might save.

Consider your car type

The car you drive – its age, condition, value, and even the make and model – might all play a part in the cost of car insurance for seniors.

Reduce risk factors

It’s the little things that make a difference – parking in a garage, driving less and avoiding demerit points might help you save on seniors car insurance.

Increase your excess

Excess is the amount you’re required  to pay when making a claim. 

A higher excess might mean a lower premium. Just keep in mind – it might mean paying more if you need to claim.

The car you drive – its age, condition, value, and even the make and model – might all play a part in the cost of car insurance for seniors.

It’s the little things that make a difference – parking in a garage, driving less and avoiding demerit points might help you save on seniors car insurance.

Excess is the amount you’re required  to pay when making a claim. 

A higher excess might mean a lower premium. Just keep in mind – it might mean paying more if you need to claim.

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FAQs

Still have questions in your search for car insurance for seniors? We might have the answers.

There’s no one-size-fits-all answer – it depends on what you need and how you use your car. We might be biased, but if you ask us what makes Youi stand out, we’d say it’s our friendly service, cover options and 24/7 claims lodgement support. At the end of the day, it’s about choosing the policy that feels right for you.

Like all insurance, car insurance pricing is based on perceived risk. Age can be one of many factors that insurers consider when calculating premiums. Things like driving history and how often you're on the road may also count when assessing risk.

Youi doesn’t offer a specific pensioner car insurance discount, but your premium is based on factors like driving history, how often you use your car and your vehicle type – so you may still find competitive pricing.

Free car insurance for seniors typically isn’t a thing in Australia. However, some people may qualify for concessions or lower premiums depending on factors like driving habits, vehicle type and claims history. It’s worth comparing your options to find a policy that suits your needs.

Disclaimers

Car Insurance issued by Youi Pty Ltd. Consider the Car PDS and TMD to decide if this product is right for you.
 
1 Youi Roadside Assist available with Comprehensive policies only. Exclusions, limits and additional fees may apply. Cover not available within 24 hours of taking out or upgrading to Comprehensive cover. For more details, see the Youi Roadside Assist T&Cs and Car PDS.
2 Where we arrange, authorise and pay a service provider for repairs, we will guarantee the quality of the repairs for as long as you or a listed driver are the owner of the insured property. The guarantee includes the rectification of any defects caused by poor workmanship, or faulty materials, related to these repairs. For more details, see the Car PDS.
3 Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist.
4 Available with Comprehensive and Third Party Fire & Theft policies only. If your car is a total loss from an insured event which occurs within 24 months of your car first being registered and if you or a listed driver purchased your car new or as a demonstrator car from a licensed dealer, we’ll replace it with a new one, or pay you the market value or agreed value as per your policy schedule. For more details, see the Car PDS.
5 Storm, Hail or Flood available with Comprehensive policies only. Fire available with Comprehensive and Third Party Fire & Theft policies only. 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 the Car PDS.
6 Available with Comprehensive and Third Party Fire & Theft policies only. Limits and exclusions apply. For more details, see the Car PDS.
7 Limits and exclusions apply. For more details, see the Car PDS.
8 Available with all levels of car insurance except CTP. Limits and exclusions apply. For more details, see the Car PDS.
9 Available with Third Party Fire & Theft or Third Party Property Only cover only. For more details, see the Car PDS.
10 Available with Comprehensive policies only. Limits and exclusions may apply. For more details, see the Car PDS.