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Car Insurance

Save up to 10% on your first year’s premium when you quote and buy a new comprehensive car insurance policy online1, 2

Get a quoteRetrieve a quote
on your 1st year’s premium when you quote & buy a new comprehensive policy online1, 2

Pay by the month at no extra cost7

Choose your own repairer5

Why choose Over Fifty Comprehensive Car Insurance?

With a 24/7 online claims lodgment service, a monthly payment option7 and a choice between Comprehensive and Third Party Property Damage cover, Over Fifty Car Insurance gives you the flexibility so you can choose to manage your car insurance in a way that suits you.

Comprehensive policy inclusions

New for old replacement

New for old replacement of a new vehicle of the same make, model, engine size, features and paint type after a total loss. If:

  • you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer
  • your vehicle is less than 2 years old from its first registration at the time it is declared a total loss;
  • where relevant, your financier has given its written consent; and
    a new replacement vehicle is available in Australia.

Emergency repairs

Cost of emergency repairs after a covered accident – up to $500 for any one incident.

Rental car

Rental car after theft of your vehicle – $100 per day limit, up to 30 days6

Towing costs

Reasonable cost of towing after a covered incident

Replacement locks

Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident

Personal items

Cover for personal items in your vehicle – up to $1,000 for any one incident.

Replacement vehicle cover

Temporary cover on replacement vehicle – 14 days

Emergency accommodation & travel expenses

Cover for reasonable emergency accommodation and travelling expenses after a covered accident, provided that your vehicle was more than 100km from where it is normally parked at night – up to $1,000 for any one incident

Legal liability & legal costs

Cover for your legal liability for loss or damage to other people’s property and legal liability for supplementary bodily injury – up to $20 million for any one event or series of related events – along with legal liability cover when using a substitute vehicle.

Additionally, cover for approved legal costs arising from a claim for liability covered by the policy.

Transportation costs

Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident

Trailer and caravan cover

$1,000 or market value of the trailer or caravan, whichever is the lesser.

Child seat / baby capsule replacement

Cover for replacement of child seat / baby capsule in your vehicle after a covered accident – up to $500 for any one incident

Optional comprehensive covers

Apply to add any of these optional covers for an additional premium and greater cover

Rental car

Rental car following accident, where available – $100 per day limit, up to 30 days6

Windscreen excess removal

Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle – 1 replacement and 2 repairs in any period of insurance

Tools of trade

Cover for tools of trade – up to $3,000 for any one incident

Policy options

Comprehensive Insurance

The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.

Third Party Property Damage

Covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.

Prefer to talk to a real person?

Call our friendly and experienced customer care team (Monday to Friday 8:30am to 6pm AEST)

Call 13 31 30

Policy Documents and Key Fact Sheets

For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance.

How to make a claim

Make a claim 24/7 using our online claims form or call 1300 55 50 30 to speak to a consultant. 

What you need to get started

You’ll need the following details to start your claim. The Claims team will contact you to discuss next steps once your claim is received. 

  • Details of the incident (such as the date, where the damage occurred, any other vehicles involved).
  • Other drivers’ details such as name, address, and licence number (if available)
  • Supporting documents or images (if available).
Over Fifty Insurance Pty Ltd ABN 58 007 165 200 AR 295939 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Any advice provided is general advice only. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.over50insurance.com.au. The relevant Target Market Determination is available by calling 13 31 30. If you purchase this insurance, we will receive a commission that is a percentage of the premium, a profit share and marketing costs.  Ask us for more details before we provide you with services.
1. Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.
2. The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy only. Any online discounts offered are applied to Allianz’s standard rates, excluding optional covers, and are for the first year’s premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
3. Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%. For more information see our PED guide.
5. In certain circumstances we may agree with you to use another repairer than the one that you selected. We will act reasonably in doing so.
6. We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle
7. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.