Business Details
34 Years
experience
Emergency
services
Trusted Insurance Services for Older Australians
COTA Insurance is a not-for-profit insurance provider dedicated to supporting older Australians. Established in 1992, we are part of COTA (Council on the Ageing), an organisation with over 60 years of advocacy experience for seniors' rights. Our mission is to address insurance market gaps for older Australians by offering tailored products including car, travel, home, and caravan insurance. We prioritise transparency, ensuring policyholders understand their coverage while reinvesting surplus funds into programs that enhance the health, wellbeing, and social participation of older Australians. Our team combines decades of industry expertise with partnerships from leading insurers to deliver reliable, customer-centric solutions. 
Services
Car Insurance
Travel Insurance
Home & Contents Insurance
Landlord Insurance
Boat Insurance
Caravan & Trailer Insurance
Contents for Renters
Details
- Year established: 1992
Highlights and features
- We are Australia's only not-for-profit insurance provider focused on seniors' needs
- Proceeds fund programs improving health and wellbeing for older Australians
- 24/7 roadside assistance included with comprehensive car insurance policies
- No age limits on most travel insurance policies for greater accessibility
- Experienced team with decades of combined insurance expertise
What people say
Outstanding service
Helped when others wouldn't
24/7 roadside assistance
Easy to understand policies
Supports great cause
Services
Car Insurance
COTA Comprehensive Car Insurance offers fire, theft, and accident protection with 24/7 claims support. Policyholders receive roadside assistance Australia-wide, choice of repairer, and up to 10% discount on first-year premiums when purchased online. Optional benefits include rental car coverage and windscreen claim excess removal.
Travel Insurance
Annual Multi Trip and single-trip policies cover medical emergencies, cancellations, and lost luggage. No age limits apply to most plans. 24/7 emergency assistance includes medical evacuation and travel disruption support. Optional snow sports and specified medical condition coverage available.
Home & Contents Insurance
Combined buildings and contents policies protect against 12 insured events including fire, flood, and theft. Features include alternative accommodation, debris removal, and up to 10% premium discount for bundling. Optional accidental damage and portable contents coverage available.
Landlord Insurance
Covers investment properties against fire, storm, and theft with 12 insured events. Includes legal liability up to $20 million and monthly payment options. Optional covers available for accidental damage and domestic worker compensation in select states.
Boat Insurance
Club Marine partnership provides accidental damage protection for boats, motors, and trailers up to 250 nautical miles offshore. Includes $30,000 fishing gear coverage and $10,000 Club Care Benefits. Flexible options for layup periods and racing activities available.
Questions
Can I get a refund if I return early from travel?
Coverage ends when you return to Australia, with no refunds for unused days.
Do you offer a cooling-off period for policies?
Yes, 21 days from purchase with full refund if no claims have been made.
When should I purchase travel insurance?
Buy as soon as you book your trip to protect prepaid expenses.
Is car insurance mandatory in Australia?
Comprehensive cover isn't mandatory but protects against vehicle damage and third-party liability.
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