Receive a 10%* discount on travel insurance policies with a National Seniors Australia membership

Become a member today and discover a host of savings and benefits. T&Cs apply.

The National Seniors difference

Speak to a real person

Call 1300 50 50 99 to speak to a real person who understands you.

Flexible payment options

Pay by the month at no extra cost⁵ and enjoy the flexibility to adjust your excess to reduce your premium⁴.

Supporting older Australians

Your policy helps fund our advocacy work and improve outcomes for older Australians.

Renewal Invitation Guarantee

National Seniors members receive a Renewal Invitation Guarantee.

Policy inclusions

Save up to 10%

Save up to 10%

Save up to 10% on your first year's premium when you quote and buy a new Landlord Insurance policy online¹,³

Enjoy up to 30% No Claim Bonus

Enjoy up to 30% No Claim Bonus

Receive up to 30% No Claim Bonus depending on your claims history²,³

24/7 online claims

24/7 online claims

24/7 online claims lodgement or call 1300 55 50 30 to speak to a real person.

Cover for the unexpected

Cover for the unexpected

National Seniors Landlord Insurance offers cover for your investment property for out of the ordinary but devastating events such as fire⁶, storm and burglary.

Legal liability

Legal liability

National Seniors Landlord Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover only, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.

Making your buildings environmentally friendly

Making your buildings environmentally friendly

If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, National Seniors Landlord Insurance will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.

Contents

Contents

National Seniors Landlord Insurance will pay for repair or replacement of contents you own and provide for your tenant’s use as a result of an insured event. If you have buildings cover only, National Seniors Landlord Insurance will pay up to the lesser of $10,000 or the remainder of the sum insured after payment of the buildings claim, for certain landlords contents under this additional benefit.

Rental costs after an insured event

Rental costs after an insured event

If your buildings are damaged by an insured event and can’t be lived in by your tenant, or access to or use of the buildings is not possible after an insured event National Seniors Landlord Insurance will pay for your loss of rent on the buildings for up to 12 months if you have buildings cover or if your building is part of a strata title development and you have contents cover only.

Rebuilding and professional fees

Rebuilding and professional fees

If you need to rebuild your buildings after total loss or damage, National Seniors Landlord Insurance will help pay the reasonable costs of architects, engineers, surveyors from an insured event and solicitors up to $5,000.

Debris removal

Debris removal

National Seniors Landlord Insurance will cover up to 10% of the building and/or contents sum insured for removing debris from your insured address if your buildings are damaged or destroyed by an insured event.

Contents in the open air at the insured address

Contents in the open air at the insured address

National Seniors Insurance will cover contents in the open air (that you own and that you have provided for your tenants use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $1000.

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Landlord Insurance covers


  • Fire or smoke (including bushfires and grassfires)⁶
  • Theft or burglary
  • Storm⁶ and cyclone⁶, rainwater or run off (not including flood which subject to eligibility may be available under the optional Flood cover)
  • Lightning
  • Water or other liquid damage
  • Impact damage
  • Earthquake⁷ or tsunami
  • Accidental breakage of glass or ceramic items
  • Vandalism or malicious damage
  • Explosion
  • Riots or civil commotion

Optional covers

Rent default & theft by tenant

Option to be covered for loss of rent due to specified rental defaults, up to $10,000 in total for all claims during the period of insurance. Cover for loss or damage to your insured buildings or contents caused by theft, burglary or housebreaking committed by your tenant or invitees of your tenant.

Landlord workers’ compensation cover

Cover for the compensation amount you are liable to pay if you employ a domestic worker and they are injured while working for you at the insured address. Only available in ACT, WA and TAS.

Flood cover

Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies from when you first purchase the policy or increase the amount of cover.

Get a quote

Prefer to speak to a real person?


Product Disclosure Statement 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 insurance. 

The Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) also sets out some information about the cover.

Effective 22 February 2021

View PDS

What our customers have to say

Carolyn, 78 - SA 
Travel Insurance customer

Carolyn, 78 - SA
Travel Insurance customer

I was very impressed by the friendly efficient service I received from Sinead. She answered my many questions with patience and understanding. I got all the clear answers I needed to enable me to confidently decide to take out National Seniors Travel Insurance.

Harry, 71 - QLD
Caravan Insurance customer

Harry, 71 - QLD
Caravan Insurance customer

Jeremy was the most helpful person I have ever spoken to. Thank you so much Jeremy, I wish there were more caring and experienced people like you.

Angus, 79 - QLD
Travel Insurance customer

Angus, 79 - QLD
Travel Insurance customer

What a pleasure it has been to enquire about travel insurance with Sinead. She was so professional and helpful at all times. She was a pleasure to talk with and answered every question I had regarding travel insurance and above all returned my phone calls quickly with any questions she wasn't sure of. National Seniors Insurance are blessed to have such a delightful, helpful person working for them and I would recommend Sinead to any of my friends for travel insurance.

Mandy, 73 - QLD 
Travel Insurance customer

Mandy, 73 - QLD
Travel Insurance customer

I would like to say that Sinead was extremely helpful and knowledgeable in quoting for insurance for a couple of policies we were getting for comparison for. She is very friendly, easy to talk to and makes you feel like a friend rather than just another customer, which I like. I would recommend anyone to contact her for their insurance quotes.

Retrieve a quote


Access an existing quote quickly and easily. 

Retrieve a quote

Make a claim


Lodge your claim online 24/7 or call 1300 55 50 30 and a consultant will help you.

Make a claim

Landlord Insurance calculators


It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. If you don’t have enough cover, you could end up having to cover some of the costs yourself.

Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) - so you should also be careful not to over insure. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home buildings and contents.

How your policy helps older Australians

National Seniors Insurance is part of National Seniors Australia, a leading not-for-profit advocacy organisation giving older people a strong national voice. Our evidence-based advocacy tackles issues such as age discrimination, the Age Pension, cost of living, health costs, and more.

Modest profits from the sale of your policy help us create real change and a better future for all older Australians.

Become a National Seniors Member

Join National Seniors Australia today and receive discounts on everyday essentials and more

Join National Seniors Australia today and receive discounts on everyday essentials and more

National Seniors Australia members have access to a range of benefits and services – including discounts on Travel, Health and Life Insurance.

As a member, save with discounts, expand your social circle through our branches, receive a yearly subscription to Our Generation digital magazine, and access our Financial Information Consultant by phone.

For only $49.50, anyone can become a member and it only takes minutes to join.

Membership makes a difference

Advocacy campaigns

Find out how we make a difference to the lives of all older Australians through research-led advocacy.

Our research

Learn more about our research into older Australians' experiences and perspectives.

Advocacy wins

Take a closer look at the significant advocacy wins we've managed to secure for older Australians.

Some of the benefits of membership

Discounts

Discounts

Save with over 1,000 discounts on groceries, fuel, accommodation, fitness, health care, motor services, books, theme parks, appliances, cinemas, gift cards and more!

Our Generation magazine

Our Generation magazine

Members receive a yearly subscription to Our Generation digital magazine!

Branches

Branches

Expand your social circle, enjoy social events, day-trips, guest speakers and meet like-minded members.

Financial Information Consultant

Financial Information Consultant

Members can speak to a real person to receive up-to-date information on retirement planning, estate planning, Centrelink benefits, investment choices, Aged Care, superannuation, and more!

Competitions

Competitions

Enter and win newly released books, DVDs, CDs, and movie and event tickets with access to exclusive member-only competitions.

Sign up to the Connect Newsletter


Keep updated on technology, advocacy, lifestyle, travel and health news


Disclaimer


National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 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. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.nationalseniorsinsurance.com.au. The relevant Target Market Determination is available by calling 1300 50 50 99. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

Information contained on this website is general information only.

1. Online discount

[Landlord] When you quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount is not applied on renewal.

2. NCB

When you take out a new policy, we calculate your No Claims Bonus based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five year's. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

3. Minimum premiums

If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.

Discounts do not apply to taxes or government charges.

Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected).

Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

4. Excess reduction

Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.

5. Instalment premiums

If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

6. 72 hour waiting period 

We do not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy.

7. Earthquake excess

An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series pf earthquake or tsunamis, during any period of 48 consecutive hours.