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Seniors Home & Contents Insurance

Seniors Home & Contents Insurance

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

2,720 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.

2,720 reviews
5 Maureen  · Very easy to apply for insurance Happy with the product offered
5 Mark  · Excellent service. Easy to deal with and my insurance was sorted out quickly.
5 Ann  · Very helpful and explained everything in detail Thank you for your help
5 Heinz  · Everything was explained thoroughly and all my questions were answered promptly.Thanks
5 BRUCE Patching  · Found this to be an easy experience to set up my home and contents insurance renewal.
5 deirdre miles  · Lynne was very helpful and knowledgable. She was easy to deal with and accomodating
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

Ask the reviewer
Joyce M.
Joyce M.2 posts
  Verified

The whole process was remarkably simple. From finding the Seniors insurance site. Filling in the details, then receiving a phone call almost immediately from a very helpful staff member, to confirm details and process the application. Show reply

Ask the reviewer

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 reply

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cockatoo
cockatoo54 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

Brian
BrianQLD5 posts
  Verified

You can't find an insurance that will cover everything but this one, at least, lets you ask the questions. I found that I got 95% of the cover I was looking for their options are well considered and the final cost was easy to manage. Thanks Seniors. Show reply

 Follow-up  · The quote process follows a step by step that allows you to customise your requirements. You decide how much cover you need and then customise that cover putting the insurance where it best suits your spend. I have a collection of DVD's and this policy allowed me the tailor my money to cover what's important to me.

 Follow-up  · Insurance, by and large, is a set and forget sort of thing. You only think about it every time the policy renews or you make a claim but this is my second year of this policy and the premium went down in cost but increased in cover. How unbelievable is that.

Mitesh P.
Mitesh P.ACT
  Verified

I have personally found the company to have pleasant services; a good range of insurance products are available at reasonable prices and also the portal makes it easier for tailored coverage. Show reply

 Follow-up  · The portal is fairly easy to use. I have not had to make any claims. I did make a couple of calls initially for my contents insurance.

Roger F.
Roger F.VIC4 posts
 

Agent was connected almost immediately. No queue. She was fully informed on the products and had some good plain-English advice. Show 2 replies

 Follow-up  · Great outcome - I received a lot of advice and information about what is actually covered in Home or Contents insurance, and advised of the "hidden" costs, such as temp living, firefighter callouts, site prep and rebuilding costs, etc. I was able to create a spreadsheet and wal through the house to arrive at a reasonable figure for coverage(s). … Read more

Positive reviews

Ronald
Ronald
  Verified

Quick quote, when I rang about policy lady was very helpful. Price of all three policies was cheaper than all the others for same amounts. Very helpful no fuss and I’m happy. Thanks. Show reply

James
JamesNSW
  Verified

Having compared prices with other insurers, Australian Seniors were by far the most cost effective,and I was able to tailor my policy to what was best for me. The sales officer I spoke with was clear and concise and answered all my questions regarding my policy. Thank you. Show reply

Maria Theresa
Maria TheresaVIC
  Verified

Your website is straight forward and easy to fill up those questioners. We're also happy with fast quotes reply that resulted to our decision to buy that quoted house insurance 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
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)

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

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Mike
Mike27 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

Barney Boy
Barney BoyNSW9 posts
  Verified

So far so good. Premium was reasonable considering after being ripped off by another insurer that jacked our premium up $900 in a year despite no claims since being insured with them. We will see how Seniors Insurance goes hopefully they stay reasonable. Show reply

Debbie R.
Debbie R.
  Verified

I only joined yesterday. I saved a massive $500!!! My last insurer kept bumping up the premiums by hundreds and I got sick of it. Thanks for looking after us seniors!! Show reply

Jill
JillNew South Wales
  Verified

I have saved a lot of money on premiums for Seniors insurance policies. I recently bought a car insurance policy and now contents insurance which was very easy to set up online. Show reply

Graeme
GraemeQLD
  Verified

Helping out seniors with a discount is always a positive and navigating the software was easy. I have just switched to seniors because my existing policy inexplicably doubled in price. Show reply

Debbie  A.
Debbie A.VIC
  Verified

The lady I spoke with, Malal (I'm not sure that was her name) was absolutely delightful and very helpful in all areas and I would be more than happy to recommend Australian Seniors. Show reply

Baz
Baz2 posts
  Verified

Last year I was thinking of Insuring with Seniors and after much consideration and comparisons this year the decision was taken to do just that - online - with the help of family - because when you reach the 80s things can be confusing. So, I thank my family for their help - now Seniors have twelve months to prove I have made the right decision for the future. Show reply

Kim
Kim5 posts
  Verified

Very grateful for the help and understanding from the staff about my new contents policy. The staff were very thorough and nothing was a problem especially when I had to get back to them with the extra information that was required. Show reply

Vicky & Michael C.
Vicky & Michael C.SA3 posts
  Verified

Very comprehensive and not difficult to do a Quote online. If you make a mistake or need to edit then it is straightforward. I would recommend Australian Seniors Home and Contents insurance. Plus they acknowledge and reward you if you have a Seniors Card. Show reply

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

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Leon
LeonSA
 

It was so easy to do the application online compared to other companies and although it was done online I am sure if I rang I would have received a warm welcome. Show reply

Christine
ChristineVIC
  Verified

Overall satisfied, the phone did drop out when we were nearly finished but I was called back straight away (although my android phone said it was a scam) Alls well in the end. I was helping my 93yo mother in law to take out a policy and some of the required statements were a bit long winded, but understand they have to be said. Show reply

Annie
Annie
  Verified

Lyn was incredibly helpful and provided explanations of insurance options. Really useful to be able to discuss this with a person and particularly one who was so professional. Show reply

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 reply

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 reply

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 reply

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 reply

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 reply

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