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.

Discover 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 cost⁶ and the flexibility to adjust your excess which may reduce your premium⁵.

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.

What's included in your policy

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 Home Insurance policy online¹,⁴

Enjoy up to 30% No Claim Bonus

Enjoy up to 30% No Claim Bonus

Receive up to 30% No Claims Bonus depending on your claims history³,⁴

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 - storm, burglary & fire

Cover for the unexpected - storm, burglary & fire

National Seniors Home and Contents Insurance offers protection for out of the ordinary but devastating events such as fire⁷, storm⁷ and burglary. Within the first 72 hours following a storm, you are covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.

Rebuilding and professional fees

Rebuilding and professional fees

If you need to rebuild your home after total loss or damage, we will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.

Alternative accommodation for you and your pets

Alternative accommodation for you and your pets

If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, we pay the additional costs for temporary accommodation for you up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.

Vandalism or malicious damage

Vandalism or malicious damage

You are covered for loss or damage caused by vandalism or a malicious act.

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 Home and Contents 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.

Replacement locks

Replacement locks

National Seniors Home and Contents Insurance will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen or you believe the key has been copied.

Debris removal

Debris removal

In addition to your buildings sum insured, National Seniors Home and Contents Insurance will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings.

Legal Liability

Legal Liability

National Seniors Home and Contents 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).

Cover when you’re moving house

Cover when you’re moving house

National Seniors Home and Contents Insurance will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are being moved between premises, or in transit (unless you have Accidental damage cover).

Get a quote

Optional cover

Accidental damage

The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.

Portable contents

You can choose optional cover to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home.

Motor burnout

The Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover.

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 add this optional cover or vary the amount of your policy.

Domestic workers’ compensation cover

Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.

Get a quote

Buildings and Contents Insurance covers


  • Fire or smoke (including bushfires and grassfires)⁷
  • Theft or burglary
  • Storm⁷ and cyclone⁷, 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
  • Earthquake⁸ or tsunami
  • Accidental breakage of glass or ceramic items
  • Vandalism or malicious damage
  • Explosion
  • Riots or civil commotion

Prefer to speak to a real person?


Product Disclosure Statement & Key Fact Sheet


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

Effective 22 February 2021

View PDS

Combining home & contents cover

If you take both Buildings and Contents insurance, here’s how they can work together if the unexpected occurs.

Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.

Scenario 1: Your house burns down

You could lose all your buildings, and everything in them. With adequate sums insured under Buildings and Contents covers, you could rebuild and replace your insured belongings.

Scenario 2: A fire damages your kitchen

You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Buildings cover. Then you could replace damaged items like blinds and kitchenware under your Contents cover.

Scenario 3: Home break-in

A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your Buildings cover and replace the items that were stolen under your Contents cover.

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

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.

Home & Contents 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.

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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

[Home] When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.

2. Combined

[Applies to Home & Contents only] A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Buildings and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers. This combined discount does not apply to Landlord Insurance policies.

3. 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 Buildings or Contents insurance claims in the preceding five year's. Landlord customers must have had no landlord insurance claims in the preceding 3 year's. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

4. 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.

5. Excess reduction

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

6. 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.

For more information about promotional or other discounts, please visit our Comprehensive Motor Insurance website here. 

7. 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.

8. 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 of earthquake or tsunamis, during any period of 48 consecutive hours.