Elders Car Insurance

Elders is one of Australia’s largest rural insurance providers, offering drivers across the country a range of car insurance options. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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Elders has been a trusted name in the Australian agricultural industry for more than 180 years. With a strong commitment to supporting rural communities, Elders offers a comprehensive range of services tailored to meet the unique needs of farmers and rural businesses, as well as personal insurance services for protecting valuable possessions such as cars.

We take a look at Elders’ car insurance products in this review so you can understand your options. Find out what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by Elders is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Elders if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Elders for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through Elders?

Elders offers the following types of car insurance to Australian drivers:


Comprehensive coverage has the most extensive list of inclusions of the different types of car insurance available in Australia. Elders’ Comprehensive car insurance offers the following:

  • Coverage against theft, accidental loss or damage to your vehicle
  • Coverage for a permanent replacement vehicle for 21 days from the time of purchase
  • Cover for accidental loss or damage to your vehicle when used in a car pooling agreement
  • Towing costs following an accident or theft, including transportation to the nearest repairer or approved location
  • Reasonable costs of returning your stolen vehicle
  • Choice of repairer
  • Coverage for stolen or illegally duplicated keys, up to $2,000
  • Provision of a suitable hire vehicle for a maximum of 14 days following theft
  • Provision of a suitable hire vehicle following a not-at-fault accident
  • Eligibility for a no-claim discount based on claims history
  • Coverage for theft or accidental loss or damage to trailers owned by you while attached to your vehicle or detached within domestic land boundaries
  • Coverage for loss or damage of personal property, up to $500
  • Reimbursement of reasonable travelling and accommodation expenses resulting from accidental vehicle damage, fire or theft occurring more than 150km from home, up to $1,000
  • Essential temporary repairs up to $500 to enable you to continue your journey when more than 150km from home
  • Coverage for loss or damage to child seats or baby capsules stolen or damaged in an accident or fire while in your vehicle
  • Legal liability cover up to the amount shown on your policy schedule
Third Party Property Damage and Fire and Theft

This type of cover is the next step down from comprehensive, including damage protections only against theft and fire. Elders’ Fire and Theft plan offers the following inclusions:

  • Coverage for damage to your vehicle caused by fire, explosion, lightning, theft or attempted theft
  • Coverage for a replacement vehicle for 21 days from the time of purchase
  • Coverage for accidental loss or damage to your vehicle in a car pooling agreement
  • Coverage for towing costs and transportation to the nearest repairer or approved location
  • Coverage for the reasonable costs of returning a stolen vehicle
  • Option to choose your preferred repairer
  • Legal liability coverage up to the specified amount on your policy schedule
  • Uninsured motorist’s benefit, up to $5,000
Third Party Property Damage

The most basic form of optional car insurance in Australia, third party property insurance is designed to cover damage caused to other people’s property with your vehicle, rather than damage to your own vehicle. Elders’ policy offers the following inclusions:

  • Legal liability cover up to the amount specified on your policy schedule
  • Coverage for a replacement vehicle for 21 days after purchase
  • Protection against accidental loss or damage when car pooling
  • Choice of repairer
  • Up to $5,000 uninsured motorist’s benefit

Are there any optional extras available through Elders?

Yes – Elders offers several optional extras on its Comprehensive car insurance plan:

  • Hire vehicle costs following an accident, up to 14 days
  • Windscreen protection, with no excess for claims related to broken or damaged windscreen, sunroof or window glass
  • Protected no-claim discount, for one claim per insurance period

What are some of the pros and cons of buying car insurance through Elders?

  • No-claim discount protection: Comprehensive policy holders can protect their no-claim discount as an optional extra.
  • Choice of repairer: all levels of cover allow you to choose your own repairer as standard.
  • Pay monthly for no extra cost: you can pay your premium annually or monthly with no extra fees or charges.
  • Limited benefits on TPFT plans: Elders’ Fire and Theft policy does not cover things such as car seats, personal property, stolen keys or hire car after theft.
  • Vehicle theft excess: if your car is stolen, you will have to pay a theft excess on top of any other excesses payable if shown in your policy schedule.

Common questions about Elders car insurance

Can I take out car insurance with Elders wherever I am in Australia?

Yes – while Elders is focused on regional and rural areas, it also offers insurance policies to those living in Australia’s metropolitan areas.

Does Elders offer roadside assistance?

No – Elders does not offer roadside assistance either as part of its car insurance policies or as a separate service you can subscribe to.

What other types of vehicle insurance can I get with Elders?

As well as private car insurance, with Elders you can also insure:

How do I make a claim with Elders?

To make a claim, you should contact your local Elders Insurance agent, who will handle the process on your behalf. Their contact details will be on your policy documentation or you can look on the website. You will need to provide your policy number and necessary information about the incident, including details of any other parties involved.

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Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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