Business Details
34 Years
experience
Emergency
services
Your Trusted Insurance Partner in Adelaide
COTA Insurance has been dedicated to supporting older Australians for over 30 years. Established in 1992, we specialise in providing tailored insurance solutions for home, car, travel, and more, with a unique not-for-profit model that channels surplus funds into programs enhancing seniors' wellbeing. Our partnerships with leading insurers like Allianz and nib ensure comprehensive coverage, while our experienced team prioritises clear communication and personalised service. With Australia-wide support and 24/7 claims assistance, we combine expertise with a commitment to community impact, making insurance a force for good. 
Services
Home Insurance
Car Insurance
Travel Insurance
Landlord Insurance
Boat Insurance
Contents for Renters
Caravan & Trailer Insurance
Details
- Year established: 1992
Highlights and features
- We are a not-for-profit provider directly supporting seniors' wellbeing through our policies.
- We offer 24/7 roadside assistance Australia-wide with Allianz Global Assistance.
- Our policies include no age limits on most travel insurance plans.
- We provide clear policy explanations and personalised service from experienced staff.
- We partner with leading insurers to ensure reliable, comprehensive coverage options.
What people say
24/7 roadside assistance
Clear policy explanations
Community impact focus
Patient staff
Quick claims resolution
Services
Home Insurance
COTA's home insurance protects your property with options for building, contents, and combined cover. Policies include flood protection and portable contents coverage, with discounts for bundling services. Our team ensures clear policy terms and 24/7 claims support, prioritising quick resolution for homeowners across Australia.
Car Insurance
Comprehensive car insurance policies include roadside assistance, repairer choice, and excess adjustment options. Available with online discounts and monthly payment plans, our coverage extends Australia-wide. We specialise in policies for older drivers, ensuring accessibility and tailored support for vehicle owners seeking reliable protection.
Travel Insurance
Annual multi-trip and single-trip policies offer no age limits and medical condition coverage. Excess options and 24/7 emergency assistance ensure flexibility for senior travellers. Backed by nib Travel Services, our plans cover domestic and international journeys with clear terms and straightforward claims processes for peace of mind.
Landlord Insurance
Specialised insurance for investment properties covers fire, theft, and weather damage with optional flood protection. Policies include monthly payment options and discounts for online purchases. Designed for landlords seeking comprehensive coverage, our plans protect against 12 insured events with support for property maintenance and emergency repairs.
Boat Insurance
Comprehensive boat insurance covers accidental damage, theft, and weather-related incidents up to 250 nautical miles offshore. Includes $30,000 gear coverage and $10,000 emergency benefits. Monthly payment options and trailer protection ensure flexibility for boat owners, with claims support available 24/7 across Australia.
Questions
What makes COTA Insurance different from other providers?
As a not-for-profit, we channel surplus funds into programs supporting older Australians. Our policies prioritise accessibility, with no age limits on most travel insurance and tailored options for seniors.
Do you offer 24/7 emergency assistance?
Yes, our car insurance includes 24/7 roadside assistance Australia-wide through Allianz Global Assistance, with coverage for towing and emergency repairs.
Can I pay for insurance monthly?
Yes, all policies offer monthly payment options at no extra cost, with no transaction fees from us (though your bank may apply charges).
Are there discounts available?
Online policies receive up to 10% discounts on first-year premiums. Bundling building and contents cover also provides combined discounts.
What areas do you cover?
We provide insurance Australia-wide, including home, car, travel, and boat policies with nationwide claims support and service availability.
How do I make a claim?
Claims can be submitted online or via our 24/7 hotline (1300 651 777 for car insurance). Most claims are processed promptly with minimal documentation required.
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Reviews (4)
Victor Blizzard
Jun 17, 2020
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Rang today for a quote on a caravan to find they do not offer AGREED VALUE anymore. Shame; if they had they may just have got all our insurance business - 2 vehicles, caravan, home and contents. WARNING: if you value your possessions and take care of them, then DO NOT accept MARKET VALUE for anything you insure. Doing this puts you at the mercy of… a company assessor and they usually take the lowest mean value of the product you are claiming on and I for one, do not trust insurers in this area. Make sure you insure only for AGREED VALUE. You may pay a little more but you have the peace of
Allan Bartram
May 13, 2020
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Excellent service,polite courteous, helpful & friendly. Received my pay out in under 7 days
Highly recommend
Highly recommend
Julia Tannebring
Apr 08, 2019
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Today I received first class help from Rebecca in Hutt St Office. She was attentive, interested, helpful and knew her product well. It took me about ten minutes to read her email and decide to accept the quote. It was excellent to work with a friendly, helpful and polite real person. A job well done.👯♀️👍⭐️😇
Rita Caridi
Nov 12, 2018
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I recommend COTA insurance as I have been with them for the last 20 years for house and vehicle insurance, they have always been very helpful with any enquiry I’ve had especially in keeping the premium cost down to help suit my budget, a special thank you to Karen that spent a few hours with me last week in changing my insurance to help suit my budget better really appreciate all the help you’ve provided me 😊
