Choosing RACQ Car Insurance in your senior years
At RACQ, we’ve been proudly insuring drivers of all ages for more than 50 years. We understand that for our senior members, your car represents freedom and connection. Though we don’t have a specific policy that is exclusive to over 60s, our car insurance cover options can suit many needs and life stages.
Here’s what seniors can expect from RACQ:
- Friendly, local support when you need it the most - Our team is ready to help you on the phone or in person. We received a total of 193,521 insurance claims last financial year**
- Coverage for weather events - our comprehensive car insurance covers storm, flood, hail, fire, plus theft
- Options to save - You can get $50 off when you purchase a new comprehensive car insurance policy online*
- Over 750,000 members have RACQ car insurance^^
Car insurance options to choose as a senior
Our car insurance options aren’t based on age but on the level of cover you may need at any stage of your life. Our policies offer cover for theft, vandalism, accidents, and events like storms and cyclones. Learn more about the different car insurance options to help you decide what’s best for you.
Comprehensive car insurance
Cover for loss or damage to your car, and damage your car causes to other people’s property
- Fire, theft or attempted theft cover
- Damage to your car if an uninsured third party is at fault
- Damage to other vehicles or property
- Belongings inside car in certain incidents
Fire, theft and third party insurance
Cover for fire, theft and damage your car causes to other people’s property
- Fire, theft or attempted theft cover
- Damage to your car if an uninsured third party is at fault
- Damage to other vehicles or property
- Loss or damage to your car in an accident, flood or storm event
Third party property damage insurance
Cover for damage your car causes to other people’s property
- Damage to your car if an uninsured third party is at fault
- Damage to other vehicles or property
- Theft or attempted theft cover
- Loss or damage to your car in an accident, flood or storm event
Value and savings for all our members (including our valued senior members)~~
When you purchase RACQ Car Insurance you automatically become a member. This means more than just protecting your car when things go wrong, it means enjoying real savings that make a difference. As an RACQ member, you get access to a wide range of benefits.
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Save on fuel – Get a discount of 4 cents per litre at participating Caltex service stations# -
Save on everyday shopping – With your RACQ membership, you can enjoy discounts on groceries, shopping, movie tickets, and more to make your budget go further. -
Save on your car – Purchase car parts and accessories at Repco at a discounted price. -
Save on holidays – Get member discounts on travel, accommodation, and attractions across Queensland and beyond.
Your car insurance comes with RACQ member perks~~
Get a cracking good deal with $25 off windscreen replacement.
Keep your car in check and save up to $25 on vehicle inspections.
Don’t get caught flat- save $25 on car and leisure batteries.
Drive away happy. RACQ Car Buying Service takes the hassle out of finding a new car.
Car insurance FAQs for seniors
Still have questions? These popular guides might help
Choosing car insurance can feel a little overwhelming - especially with so many options. If you're still deciding or want to learn more, these popular guides can help answer common questions and give you the confidence to move forward.
Learn more about car insurance
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Contact us
Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.
Things to note
Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by RACQ Distribution Services Pty Ltd (RDS) ABN 35 116 361 650, AFSL 567130 and RDS' authorised representatives (including RACQ Operations Pty Ltd ABN 80 009 663 414, AR No. 234978 (RACQO)). Conditions, limits and exclusions apply.
Any advice provided by RDS and RACQO is general advice only and does not take into account your personal objectives, financial situation or needs and you will need to consider whether the advice is appropriate for you. Read the Product Disclosure Statement (PDS) before making a purchase decision on the product. You can also access our Target Market Determinations on this website.
RDS receives a commission from RACQI for the policies it arranges. RACQO receives fees paid for services it provides to RDS. Further details about remuneration are available on request prior to purchasing.
RACQ Group and RACQ Insurance may need to collect personal information from you to support you with your inquiry, assess your eligibility for any of our products or services, or to provide general support. By providing your details, you agree to RACQ Group and RACQ Insurance collecting, holding, using, and disclosing your personal information pursuant to the RACQ Group Privacy Statement and RACQ Insurance Privacy Collection Notice, available from racq.com or you can request a copy.
^^Based on RACQ data as at 5 August 2025, over 750,000 Queenslanders held RACQ motor insurance policies.
**Figures based on FY25 statistics. See the RACQ Annual Report 2024-2025 for more details.
Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.
Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.
RACQ Bank subscribes to the Customer Owned Banking Code of Practice which establishes higher standards than the law requires. The Code reflects modern consumer expectations and developments in approaches to issues such as consumer vulnerability, guarantors, and supporting customers through financial hardship. Please read our Customer Owned Banking Code of Practice page for more information.
~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.
#Conditions apply. Offer available at participating Caltex service stations. Visit racq.com/caltex for details.
*The online discount applies to the total annual premium of new policies only. It excludes pay later options and policy renewals. To obtain the discount you need to get a quote online and purchase the policy online. Any applicable discounts may be subject to minimum premiums and will only apply once a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. The online discount for pet insurance is limited to a maximum of 4 pets/$200 discount.
^New lending only. Excludes debt consolidation loans.