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Seniors Home & Contents Insurance

Seniors Home & Contents Insurance

 Verified🏆 2026seniors.com.auABN: 53128692884
Seniors Home & Contents Insurance
4.7

2,778 reviews

Positive vs Negative
94%6%
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Claim Resolution Time
  • <1 hour
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
4.6
Customer Service
4.7
Value for Money
4.5

 AI reviews summary 

Pros
Customer service: Consultants are consistently described as polite, patient, and knowledgeable, providing clear explanations of policy terms over the phone.
Competitive premiums: Pricing is frequently lower than previous insurers, with many reports of substantial savings on home and contents cover.
Website usability: The online quote and application process is straightforward, easy to navigate, and accommodates self-service adjustments.
Efficiency and speed: Applications and quotes are processed quickly, often supported by prompt follow-up calls to finalise details.
Verdict

The service is highly regarded for its affordable premiums and professional customer support staff who simplify the insurance process for seniors. While the initial sign-up and quoting experience is a major strength, there is limited data regarding the long-term claims experience or renewal pricing.

2,778 reviews
5  Ian  · My discussions with Nick were clear and concise. All questions answered with curtesy and respect. The H & C policy was most competitive.
5  Kevin.C  · Very friendly,very informative and easy to understand. Also very helpful
5  Mark  · Spoke directly to customer service, they were extremely helpful with providing me with the information required.
5  John and Tracey  · Jordan was very easy to understand and very polite & helpful.
5  Robert George  · Great presentation from Kerian and time to ask questions and he under stood what we were asking for in our cover
5  Trevor  · Quote and application process was easy, informative and straightforward, plus a timely phone call to finalise the process.
Wendy
Wendy WA
   Verified

Elliot was very professional, helpful, ensured the home and contents insurance policy taken out was explained thoroughly, answered all questions. It was made much easier being able to talk to an employee of Australian Superannuation. The online process was easier to use than other insurance sites. However, I was very grateful for the phone call… Read more ·  1

received from Elliot from Australian Seniors Insurance. Being able to talk to someone without having to go through a half hour process pressing buttons on the phone to finally get to talk to someone. Thank you for valuing my time. Thank you for the excellent service provided.

Kenneth
Kenneth NSW 53 posts
 

I followed the link from this site to the Seniors Home Insurance website. I wanted to get a quote. However, I had to go through the entire questionnaire, even to get a quote. The questionnaire took about five or six minutes of filling in forms and providing personal information. At the end of it all, they refused to give me a quote because the… Read more

level of security I had installed was insufficient. The answer to this question was about 30 seconds into the questionnaire, so the website deliberately wasted several minutes of my time when it knew I was not relevant to them. This is a total disregard of my time and effort, and it's not a company I would ever consider doing business with.

As a side note, they also refused to spell my name correctly. Every time I entered it, they corrected it according to what they thought it should be. Yet another example of their total disregard for potential customers.

Australian Seniors
Australian Seniors    

Hi Kenneth, Thank you for taking the time to… Read more

Reviews with attachments

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Contact.firstnameJanet
Contact.firstnameJanet TAS
   Fair Incentive

Rewarding experience – Knowledgeable and experienced consultant who explained everything I questioned with no hesitance Show reply

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cockatoo
cockatoo 54 posts
 

Tried to get a policy from these people based on their great reviews here. Insurance declined on their website because I was honest and disclosed a home-based hobby "business" that is legally registered but has a turnover of less than a grand a year, is conducted entirely over the web and by post, and doesn't use any machinery or dangerous… Read more

chemicals. Apparently, it doesn't fit the criteria of their underwriters (Hollard). A phone call confirmed this stance. Unbelievable.

Australian Seniors
Australian Seniors    

Hi Cockatoo, Thank you for sharing your review… Read more

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Fred Kay
Fred Kay 3 posts
 

Won’t cover Rockhampton – Very disappointed after reading good reviews that they won’t even provide insurance cover for Rockhampton, this is pathetic for an organisation supposedly looking after seniors!

Australian Seniors
Australian Seniors    

Hi Fred, Thank you for taking the time to… Read more (+2 replies)

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Graham  M.
Graham M. QLD 190 posts
 

The worst of the worst - a waste of my time in even trying to get a quote – I have just spent well over 2 hours in trying to obtain a quote from Australian Seniors for my home / contents and transportable valuables insurance (such as laptop, hearing aids, etc.) - first online, where it proved impossible for me to obtain a quote, as when almost at the end of filling out the information, I was advised to call as I could not… Read more

get an online quote - now 35 plus minutes into my second call as the first call cut out at just under 30 minutes from the Australian Seniors end (but was still showing as a connected call on my mobile). The bottom line is that after all this time, Australian Seniors quote was just over $1300 or 30% more expensive than comparable quotes from other insurers (well not really comparable at all as it turned out, but an inferior cover at significantly higher cost)! Australian Seniors expensive cover premium had higher excesses, was more restrictive and cover had to be significantly downgraded in order for me to even be provided with a quote. Their portable valuables cover was in fact virtually useless to me as it could only cover medical aids out of multiple items I inquired about. I wrongly expected that Australian Seniors would cater for the needs of Seniors in Australia - Unfortunately I found this to not be the case at all! Having spent a lot of time over the past week in trying to obtain comparative quotes prior to renewing my home / contents and transportable valuables insurance, I have found there are vast pricing differences along with great difficulties in the ability to obtain genuinely comparable cover between insurers. This may well be the reason that Canstar, as a comparison site, while suggesting to offer a genuine comparison, do no such thing as you still have to compare each and every insurance individually then make a decision yourself. Canstar's No 1 and first on their list, also 5 star rated as their No 1 insurer of the year turned out to be the most expensive by a significant amount when I did genuine quote comparisons. A question for Australian Seniors - In my case, since they made it impossible for me to obtain a quote online and I had to call them (no other option offered by them for me to proceed), HOW DO I OBTAIN THE 30% DISCOUNT GIVEN FOR OBTAINING A QUOTE ONLINE??????!!!!!!! In theory, the 30% off would have made their premium comparable, but in reality no where near a truly comparative quote given it had higher excesses, was more restrictive and their cover had to be significantly downgraded in order for me to even be provided with a quote by calling them.

Australian Seniors
Australian Seniors    

Hi Graham, Thank you for reaching out and… Read more (+3 replies)

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Joo78
Joo78 NSW 12 posts
   Verified

Beware of e-bike exemption! – Buried inside the PDS you will see "motorised vehicles" are not covered. Turns out this means e-bikes too. My stolen bike claim was denied on this basis. Buyer beware! Show details

Australian Seniors
Australian Seniors    

Hi there, Thank you for providing us insight… Read more (+1 reply)

Latest follow-ups

A nna
A nna 3 posts
 

An Australian in Australia – Person was very efficient with explaining policy and very patient.

 Follow-up  · Price gone up Will look for other insurance

Australian Seniors
Australian Seniors    

Hi Anna, It is great to hear of the service… Read more (+2 replies)

BRUCE Patching
BRUCE Patching QLD 4 posts
   Verified

Found this to be an easy experience to set up my home and contents insurance renewal. Show reply

 Follow-up  · Our old insurance company priced itself out of the market and Seniors was the best coverwise and costwise.

Heinz
Heinz 14 posts
   Verified

Everything was explained thoroughly and all my questions were answered promptly.Thanks Show reply

 Follow-up  · I wasn’t keen on doing it online because I didn’t want to have to do the whole thing myself but I did have some ideas on what to look for and how to get it done so that I don’t feel like I have to be in a position where I could just be able to get it done… and it was straight forward and I think it was definitely value for money ..

Positive reviews

Graham Jackson
Graham Jackson QLD 2 posts
   Verified

Thank you, a prompt phone call from, A S - Joseph, who clarified the Home & Contents policy details for my reference, thank you. The pricing seems competitive, and we trust an ongoing insurance association with A S. Show reply

Kathey CK
Kathey CK NSW 2 posts
   Verified

Wonderful agent. Answered the thousand questions we asked. Because of this (and because they were much cheaper to go with,) we felt safe to purchase our home & content insurance. Show reply

Find out how Seniors Home & Contents Insurance compares to other Home and Contents Insurance

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Julie
Julie
   Verified

I am new to Australian Seniors insurance and was very satisfied with the customer service given by Addican, polite, patient and helpful. I also saved $25 pmth changing from my previous provider and now have a better policy. Show reply

Negative reviews

Wing-Leong C.
Wing-Leong C.
 

Australian Seniors imposes so many conditions in the PDS that when you have a problem and lodge a claim, you will find out your claim cannot be considered because of one of these conditions. The amount you can get for a burnt out motor is minimal relative to the premium paid for years without any claim.

Australian Seniors
Australian Seniors    

Hi Wing-Leong C, Thank you for sharing your… Read more

Vicki
Vicki NSW 2 posts
 

In short, a direct lightning strike to our house resulting in loss of electrical equipment including solar panels and central heating. Lightning strike 7/3/26, claim lodged same day. A straight forward claim, no disputes. In total 11 weeks and 5 days to settle the claim. From our end - phone calls, emails, constant chasing up. From their end -… Read more

delays, losing receipts, multiple visits to inspect damage, stalling tactics, every email, report, settlement statement, returned ph call takes 3-5 business days. They would return our call by letting the phone ring once, then sending an email saying we missed their call - another 3-5 days. In the end, we opted for a cash settlement as they wanted us to sign direct, very dodgy contracts with third party workers. 11 weeks & 5 days for a cash settlement - no work has even begun on repairs. We signed off on the settlement amounts on the 8th & 13th of May 2026 with the understanding money would be processed and in our account within 5 days. Finally, 26th of May 2026 we chased them up again, as no money was in our account, to be told we are processing that today. Disgusting! Shame on you Australian Seniors. Let's not forget that the majority of your customers are older Australians. We have just been sent our renewal. We will not be renewing with Australian Seniors.

Australian Seniors
Australian Seniors    

Hi Vicki, Thank you for bringing your… Read more (+3 replies)

Mike
Mike 35 posts
 

DO NOT GET Australian Seniors Insurance. Their insurance is under written by Hollard's Insurance, probably the worst service insurance company in history. In fact ASIC has already received complaints about their dodgy scam tactics in trying to get out of any claim. Also Australian Seniors Insurance uses Allianz for their Travel Insurance. They… Read more

will treat you as a fraudster as a friend of mine recently went through their claim system and was rejected due to their team of investigating detectives contacting my friend and using a video interview with him, against him. Steer well clear of Australian Seniors Insurance. I feel so sorry for Australian Senior customers. They are meant to be helping Seniors, but all they are doing is ripping them off. They want to take vulnerable people's money and then handball them to HOLLARDS. That right HOLLARDS are garbage. People thinking about this company DO NOT GO WITH with Australian Seniors. If you don't believe what I'm saying call their Claim line and see how long you spend waiting for someone to answer, then you have to listen to their Product Disclosure that's longer than the Novel War and Peace. The wait time is terrible and they do this on purpose so you will probably hang up and not put through your claim. The staff are poorly trained and frankly they are probably painting their fingernails or looking at the sports page on their mobile phone. I had to go through this scam to make a claim. And in the end I gave up and fixed the issue myself. Of course, that what their strategy is, make the customer pay and never help them with their claim. I wouldn't worry though as their are a multitude of insurers out there but be mindful CBA and Real Insurance also use Hollard's. YOU HAVE BEEN WARNED!

Australian Seniors
Australian Seniors    

Hi Mike, Thanks again for reaching out to… Read more (+1 reply)

Recent reviews

Happy As
Happy As NSW 5 posts
   Verified

I rang regarding questions on a quote and had a very helpful operator that talked me through every Australian Seniors.question. Their qupte was a lot cheaper than the police I was due to renew as well. Well done Show reply

Susie
Susie SA 4 posts
   Verified

Kieran was very helpful and had great customer contact skills. He was very thorough in his explanations and gave several different options for our home and contents insurance. Show reply

rleane
rleane NSW 4 posts
   Verified

Our Policy was extremely good value (compared to our renewal with our existing Insurer) and easy to setup with Kieren's (Customer Service Rep) telephone assistance. My research in reading the PDS and other salient documents located on the website were easy to understand. They therefore enabled me to decide the Policy choices would fit our family needs. Show reply

JennyG
JennyG 2 posts
   Verified

Great experience with my consultant. She was very thorough. And I am very happy to have made the change. Also I've saved a lot of dollars by doing so which is important as I am now a pensioner. Show reply

John K.
John K. WA
   Fair Incentive  Verified

Positive precise professional understanding answers to all my questions in a respectful polite manner. Allowing me to obtain the policy I required at the best possible price. Show reply

Find out how Seniors Home & Contents Insurance compares to other Home and Contents Insurance

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Adrienne39
Adrienne39 QLD 5 posts
   Verified

Everything was explained and links to how to calculate various values easy to find and utilise. Finally after filling everything out (so easy and straightforward) I called and had a great friendly and super useful conversation about the insurance. I also checked reviews and was pleased with what I read, all of which gave me confidence to proceed.… Read more ·  1

This feeling confident is no small matter, and I was already worried at my ability to find a new and better insurer, but so glad I didnt just accept the outrageous orice my current insurer quoted. Thank you Australian Seniors making this easier and affordable.

Lynette
Lynette NSW
   Verified

I called and spoke on serval occasions to Joshua , who was extremely patient knowledgeable and efficient. He helped me understand and feel confident and comfortable to move 3 of my policies to seniors insurance from Apia. Show reply

David and Natalie R.
David and Natalie R.
   Verified

The people I spoke with were clear and easy to speak with. The premiums were equal to or better than the competition. I feel that if I need to make a claim, that they will be easy to deal with. Show reply

Rowland
Rowland
   Verified

I compared my current Home Insurer Policy with Seniors Policy and found it financially much more cost effective. After discussing this with Nick, who was very helpful and patient, I decided to transfer to Seniors. Show reply

William
William
   Verified

Very informed, patient and thorough advisor. Very helpful in explaining the policy coverage and excess details. A quite pleasant and informative interview action. Bill Walker Show reply

Rita
Rita NSW
   Verified

Firstly I liked that a real person answered the call after 1 minute and I didn't have to speak to a robot asking me to press 12345.....Secondly the guy I spoke to ,was very good answered all my questions more than once .He made the whole experience simple and easy .Very professional .Within 10 mins I was convinced that its the insurance I needed at a price much cheaper than my previous insurer .Thank you Rita Degiovanni Show reply

Susan
Susan
   Verified

Kieran was exceptional today. His Customer Service skills are outstanding. He was very thorough with going through the form I had filled in online. He was patient and just very good at his job. Thanks Kieran. Show reply

Bruce
Bruce
   Verified

I changed from another big company, and saved over $2000 swapping to Australian Seniors insurance, for home and contents. I don't know how good their claims process is, but having not made a claim in the last 30 years, i will probably never find out. Show reply

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