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Seniors Home & Contents Insurance

Seniors Home & Contents Insurance

 Verified🏆 2026seniors.com.au
Seniors Home & Contents Insurance
4.7

2,671 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 

The overall sentiment for Australian Seniors Home & Contents Insurance is highly positive, primarily driven by competitive pricing and a user-friendly onboarding process. Customers frequently highlight the ease of using the online quote system and the professionalism of the Australian-based phone support. However, a significant divide exists between the initial sales experience and the claims process, with the latter receiving sharp criticism for delays and poor communication.

Pros
Competitive Premiums: Many users report significant savings, in some cases over $1,000, compared to major competitors and previous insurers.
Exceptional Sales Support: Phone representatives are frequently praised for being patient, respectful, and clear in their explanations, specifically catering well to senior callers.
User-Friendly Digital Interface: The website and online quote process are described as intuitive and simple to navigate, even for those who identify as less "tech-savvy."
Efficient Onboarding: The transition from other providers and the setup of new policies is generally described as a quick and painless process.
Cons
Protracted Claims Process: Multiple reports indicate severe delays in claim settlements, with some users waiting over 11 weeks for resolution and experiencing "stalling tactics."
Renewal Price Hikes: Some long-term customers flagged "astronomical" increases in renewal premiums that do not align with their initial introductory rates or claims history.
Communication Failures: While sales staff are responsive, users dealing with claims or policy cancellations reported unreturned emails, long hold times, and missed-call "tag" tactics.
Underwriting Restrictions: The underwriter (Hollard) has been noted for strict criteria, such as declining cover for minor home-based hobbies or refusing to unbundle specific covers like flood insurance.
Verdict

Australian Seniors is an excellent choice for those seeking immediate cost savings and a respectful, clear sales experience when setting up a policy. However, prospective customers should be aware of significant recurring complaints regarding the difficulty and length of the claims process. It is highly recommended to shop around at renewal time, as the initial "seniors discount" may not translate into long-term loyalty pricing.

2,671 reviews
5 Dave  · Getting a quote and subsequent purchase very quick and very easy
5 Jacqueline  · The site was easy to navigate around, simple to use
5 Kegtwo  · Great customer service, great Products and premiums are excellent. I felt respected during the communication.
5 Alan  · Excellent assistance. Very knowledgeable and friendly. Easy to deal with.
4 Carmel  · Elliot was helpful and polite and did all that was needed to get my new policy up and running
5 Virginia  · Easy to set up home and content Insurance I'm happy good value for my needs
David T.
David T.VIC
  Verified

Firstly, for me, you still have the best value in Victoria. However, I was disappionted that previously, you had cancelled my policy, albeit, after you claimed to have communicated with me. A search through my inbox does not reveal, recently any communication from you. Show details ·  1

Ask the reviewer
Juanito & Maria PERERA
Juanito & Maria PERERANSW11 posts
  Verified

Jordan, the Representative from Seniors Home and Contents Insurance, was patient, courteous, efficient and just wonderful in providing us with the Package. He is an asset to Seniors Home and Contents Insurance. Show details ·  1

Ask the reviewer
Vicki
VickiNSW2 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)

Reviews with attachments

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Contact.firstnameJanet
Contact.firstnameJanetTAS
  Fair Incentive

Rewarding experience – Knowledgeable and experienced consultant who explained everything I questioned with no hesitance Show details ·  1

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cockatoo
cockatoo53 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

Latest follow-ups

MWB
MWBQLD2 posts
  Verified

Took several minutes to connect to an actual person to make two simple corrections to my new contents policy certificate, however we achieved the desired result and corrections made. Very well assisted by the person I eventually spoke to. Show details ·  2

 Follow-up  · No online correction option. Music was OK. Wait time 5-6 minutes

Hellsbell
Hellsbell3 posts
  Verified

What a great company, staff lovely they are so pleasant to speak to. The member I spoke to could not be more helpful and happy to answer all my questions. Show details ·  1

 Follow-up  · The staff members was Very Knowledgeable, explained everything, answered my questions in great detail.

Anita
AnitaQLD
 

Very professional and friendly service. Answered all my questions. Thank you Show details ·  2

 Follow-up  · Policy features are good. However, on the renewal the policies have increased over $200. Disappointing as no claims have been made.

Positive reviews

JimmyJames
JimmyJames2 posts
  Verified

Easy to obtain and take up an quote. I thought I'd made a mistake on my application, so called Snrs Insurance to be advised that I hadn't. Would recommend Snrs Insurance to anyone. Show details ·  1

Terrence and Sandra
Terrence and SandraNSW
  Verified

My phone experience was excellent. Elliott was so very helpful and explained our policy in full detail and we understood everything perfectly. We have been another company for many years so we were hesitant at first because of the excellent price we have obtained from you. Looking forward to many more years with you. Show details ·  1

Hazel
HazelQLD
  Verified

Like when I bought my car insurance from this company last month buying our home and contents insurance today was simple and easy to work through. The amount paid like in my car insurance was extremely fair. My husband and I are very happy with our purchase. Show details ·  1

Negative reviews

Mike
Mike25 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)

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Tom
Tom33 posts
 

We contacted them over a month ago to ask about insurance replied to their response and never heard back Unlike them their competitors actually do teply to emails Show details

Australian Seniors
Australian Seniors    

Hi Tom, Thank you for reaching out and I am… Read more

Rani
Rani4 posts
 

I agree with others as cannot possibly understand how they get great reviews! What is this actually based on? Yes they're polite and helpful in setting up policies but that is where it ends. We have had Home and Contents Insurance with them for about 4 years but the increases have been astronomical. Yes they will tell you in a spill the reasons… Read more

why policies increase each year but cannot substantiate the huge amounts of increases... Our current policy for Home & Contents with Australian Seniors came in at triple the price of a major competitor,! It was such a shock as our circumstances are unchanged, no claims and a no risk area! Absolutely ludicrous-so we opted out renewing with Australian Seniors as we were able to get Home & Contents Insurance with another major Insurer at one third of Australian Seniors renewal certificate!!! We were able to get a policy combination of H&C and insured for a substantially higher amount for both with minimal excess payable! We are not speaking of a couple of hundred dollars we are talking about a $3000 increase! No one I spoke to could give me a clear explanation as to the ridiculous increase since all was unchanged! Please shop around and don't listen to the ads looking after the over 50'..... it's more like taking advantage of the over 50's. We found 3 major Insurance companies coming in at one third of the price with same policy details! Definitely do not recommend....

Australian Seniors
Australian Seniors    

Hi Rani, Thank you for sharing your experience… Read more

Recent reviews

Full On
Full On4 posts
  Verified

Received a renewal from existing insurance company. Reviewed the market (again!) and added Australian Seniors to the list. Much the same price as the best, but differentiated when I called to ask a few questions. They do not increase the discount for only year 1 and then pump up the price with the renewal. They set the discount up front and then… Read more ·  1

it is just about value adjustments. After adding the extras, found the premium was actually less than the others. The customer service was excellent. I called some 3 times and each time they were patient while I drilled into detail, and were exact in their replies. I spent more than I had wanted but got heaps more value. Very pleased. Also good reviews on claims even though I hope I never need to make one.

Patrick
Patrick
  Verified

When I rang to get a quote , spoke to Jordan , who was very helpful and explained everything in an easy to understand way , the price was very competitive , so now we are clients Show details ·  1

Colin T
Colin TNSW3 posts
  Verified

having received a quote, I rang in to see if I could exclude flood cover & alternative accommodation, alas the answer was no, which means I am paying for cover I do not need, not good in my eyes! When I agreed I wished to proceed with my quote I had to go through all the question asked and responses I had given on line. A couple of your drop down boxes fail to find valid businesses, namely Gateway Bank & Coastline Bank, Show details ·  3

Michael S.
Michael S.
  Verified

Web site for applying for insurance was easy to navigate. Information within the site was easy to understand. Follow up session on the phone was relevant and further explanation of the 'legal stuff' was once again explained well. Show details ·  1

 Follow-up  · No change. I received what I was looking for in the website which once again was clearly explained, and was very helpful at the time.

Mummo
Mummo6 posts
  Verified

Absolutely incredible the price was brilliant but most of all the customer service I received was above amazing the lady spent over half an hour with me to make sure I got the exact cover I needed couldn’t thank her enough Show details ·  1

Vicki
Vicki
  Verified

I found everyone I have talked with (particularly Lyn) have been very helpful and friendly. I highly recommend your services. I received lots of very good advice. Show details ·  1

Scott
Scott
  Verified

Great policy compared to my previous insurer,and i saved a lot of money. Communication was a bit slow after my initial consultation,but i got online to get my coverage,and completed the task easily.Is great for 'non tech savvy' like myself,and easy to follow after my telephone conversation the previous day.This is my first dealings with Australian Seniors,but i am really liking the way they do business. Show details ·  1

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Peter
Peter2 posts
  Verified

I spoke with a representative today when deciding whether to purchase a policy, and I wanted to share how positive the experience was. She was extremely helpful, patient, and took the time to answer all of my questions clearly. Her support made the process much easier and gave me confidence in choosing the policy. Please pass along my thanks and appreciation for the excellent customer service. Show details ·  1

JJBean
JJBean2 posts
  Verified

I did my research & Australian Seniors Insurance stood out for their value for money & terms & conditions. It was super easy to get a quote, then set up my policy. Thank you for your step by step guide and easy to understand product disclosure…. Show details ·  1

Tracey Girasole
Tracey Girasole2 posts
  Verified

My new home and contents policy I got from you guys is fantastic and so much cheaper than my old insurance company it’s fantastic and so easy dealing with everyone. Show details ·  1

Sue
SueNSW
  Verified

The woman was exceptional. Kind and very patient. She explained things well. The policy is almost half the cost of my mother's previous policy with another company, so she is very happy with the savings. Show details ·  1

Gail
Gail
  Verified

We have changed our home and contents insurance over to Australian Seniors as we saved money compared to our existing company. Lyn who assisted over the phone was really helpful and made the process very easy. Show details ·  1

Gregory
GregoryNSW
 

Very happy to be talking to a real person who seemed genuinely interested to assist me in reviewing my insurance needs and getting me the best deal possible. Nothing seemed to be a problem and no question too silly. I would highly recommend Australian Seniors Insurance. Show details ·  1

Joannes
JoannesNSW2 posts
  Verified

I recently changed my home and contents insurance to Seniors and was very happy with the assistance, elaborate information and patience received during the process of finalizing the policy. Show details ·  2

Evangeline
EvangelineVIC2 posts
 

This is my first time joining the Australian Seniors Insurance. I’m happy with the offer of my insurance policy with the monthly payment through direct debit from my bank account. Show details ·  2

 Follow-up  · The policy is active and contented with all the inclusión written on it. As I’m one of their new members, i will submit review now and then.

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