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 Budget Direct Insurance
Owned By: Members (not-for-profit membership based community organisation) Underwritten By: Allianz Australia Insurance Limited (S&P rating: AA-)

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National Seniors Association Ltd. (National Seniors) was formed in 1991 from the merger of Mature Australia of New South Wales and Later Years of Queensland and a further merger with Self Funded Retirees of Western Australia. National Seniors is a not-for-profit membership based community organisation which has several objectives all beneficial to those over 50 years old.

National Seniors offers car insurance and understands your motor vehicle is one of your most valuable assets. It gives you the freedom to live life to the full and you depend on it to make your life easier. Leave it to National Seniors to protect your personal motor vehicle against loss or damage with our Motor Vehicle insurance.

Source: NSA

Comprehensive Motor
Owned by:
Members (not-for-profit membership based community organisation)
Underwritten by:
Allianz Australia Insurance Limited (S&P rating: AA-)
Owner of Underwriter:
Allianz Group
Pay by the Month:
Yes
Cooling off period:
Cooling off period
24 Hour help line:
Yes
Sum Insured:
Market or Agreed (agreed not available for all vehicles)
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
Yes
Maximum No claim bonus:
65%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
yes (no cover if: restricted driver option is chosen and driver is
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
2 years old
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
$800 (split)
Recovery, towing and storage after accident:
Yes
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
No
Trailer cover available:
$1000
Relacement Keys:
$1000
Rental car following theft:
$75 per day (14 Days)
Rental car after accident:
Optional
Restricted Driver Discounts:
Yes
Windscreen Excess Reduction:
Yes
Variable excess to reduce premium:
Yes
Remove excess for a fee:
No
Third Party Property Motor
Owned by:
Members (not-for-profit membership based community organisation)
Underwritten by:
Allianz Australia Insurance Limited (S&P rating: AA-)
Owner of Underwriter:
Allianz Group
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
NCB is for Comprehensive Only
NCB preserved - if not at fault:
NCB is for Comprehensive Only
Rating 1 Protection:
NCB is for Comprehensive Only
Maximum No claim bonus:
NCB is for Comprehensive Only
Uninsured Motorist Cover:
$4000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
yes (no cover if: restricted driver option is chosen and driver is
Ability to choose repairer:
Yes (uninsured motorist cover)
Lifetime guarantee on repairs:
Yes (uninsured motorist cover)
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Third Party Property (Fire & Theft) Motor
Owned by:
Members (not-for-profit membership based community organisation)
Underwritten by:
Allianz Australia Insurance Limited (S&P rating: AA-)
Owner of Underwriter:
Allianz Group
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market (max $5000)
NCB preserved - if at fault:
NCB is for Comprehensive Only
NCB preserved - if not at fault:
NCB is for Comprehensive Only
Rating 1 Protection:
NCB is for Comprehensive Only
Maximum No claim bonus:
NCB is for Comprehensive Only
Uninsured Motorist Cover:
$4000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (conditions)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
yes (no cover if: restricted driver option is chosen and driver is
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Yes
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
No
Excess
Not at fault claims
No Excess
Basic Excess
WA/TAS/SA/NT=$350, NSW/ACT: $550, QLD: $450
Variable Excess
Yes
<25 years old
SA/TAS/QLD: $450, NSW: $500, ACT: $550, WA: $500, NT: $350
Remove Excess
No
Licensed <2 years
NSW/ACT: $600, TAS: $450, QLD/SA: $500, WA: $500, NT: $350
Theft Excess
Yes
Not Nominated
Nominated Driver policy only - excess is $5,000
Years to Rating 1
5 years
<25 & Not Nominated
NSW/ACT: $900, SA/QLD/WA/TAS/NT: $750
Window & Glass
optional (1 free)
No Claims Discount (ncd)
Rating 2
TAS: 60%, SA/VIC: 55%, NSW/WA/QLD: 50%
Window & Glass
No change if not at fault
Rating 3
TAS: 50%, SA/VIC: 45%, NSW/WA/QLD: 40%
Not your Fault (no-fault)
No change if not at fault
Rating 4
TAS: 40%, VIC: 35%, SA: 33%, NSW/WA/QLD: 30%
Your Fault (at-fault)
downgrade NCD if you don't hold NCD protection
Rating 5
TAS: 30%, VIC: 25%, SA/NSW/WA/QLD: 20%
Lifetime rating 1
No
Rating 6
Zero (0%)
NCD Protection
Optional (rating 1 only)
Rating 1
SA/VIC/TAS: 65%, NSW/WA/QLD: 60%