Over 50s guide to buying Car Insurance
Buying Car Insurance used to involve heading into your local branch or picking up the phone. These days — like just about everything — it’s often done online.
Luckily, there are lots of online tools and resources to help take the hassle out of things like buying seniors car insurance.
How to compare seniors Car Insurance prices online
Look at the premium, excesses, and fees
When comparing over 50s Car Insurance, you might first consider costs like:
- premiums
- excesses, and
- any other fees.
Keep in mind that different prices might represent different levels of cover. For example, while one provider might be cheaper than another, they might not cover as many different events, or they might not cover up to the same amount. Make note of these things and consider what you want covered, and how much you’d need to be paid out after an incident.
To get an understanding of how much insurance will cost with a certain provider, you may need to get a quote.
How to get a quote online
You can get an Apia Car Insurance quote online without committing to a policy. First, you’ll need to choose whether you want a quote for:
- Comprehensive Car Insurance
- Third Party Car Insurance Property Damage Insurance
- Third Party Fire & Theft Insurance
- NSW CTP Green Slip Insurance, or
- ACT MAI Insurance.
You’ll then be taken through a few questions, including some about you, your car, and your driving history. Your answers help us determine the appropriate premiums and excess.
When viewing your quote, you can scroll down and open the ‘View your premium summary’ tab for an overview of how your premium has been calculated. It’ll look something like this:
There’s also a live chat option with if you get stuck or just have a question. Click on the message icon in the bottom right corner to start a chat.
How to compare levels of cover online
Most insurers provide will provide an overview of what they cover on their website. For example, Apia lists what’s covered by Comprehensive Car Insurance on our dedicated page. Make sure to have a read of the Product Disclosure Statement (PDS) for more on what is and isn’t covered.
Check for insurance that caters to your demographic
Some insurance providers cater to specific demographics, like Apia — we only provide insurance for over 50s. This means we’re able to reward our customers for their experience with better insurance products and the service they deserve.
Read more:
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Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car, Caravan, Motorcycle, Motorhome, Boat& Compulsory Third Party Personal Injury (CTP) Insurance.
Limits, exclusions and conditions apply. Please read the Product Disclosure Statement before buying this insurance.
This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
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