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About Us

We exist to support COTA and older Australians

COTA (Council on the Ageing) exists to enhance the quality of life and well-being of older Australians.

Within each State and Territory there is a COTA office dedicated to this cause, providing benefits and services for their local constituents. For over 60 years, COTA has been the peak body advocating for seniors’ rights and interests to all levels of government, business and in the community at large.

The funds raised by COTA Insurance support COTA’s work in these important areas, along with programs that can improve the health and wellbeing, social connectivity and participation of older people.



Our long history

The COTA network entered into the insurance business in the 1980’s, after recognising clear gaps in the insurance market for older Australians.

COTA Insurance was then established in 1992, becoming the first insurance specialist to focus on the needs of older Australians. Today, we are the most experienced insurance agency in this area, insuring home, contents, motor, travel, caravans, boats – and even pets.


We are not-for-profit – and your insurance supports our great cause

COTA Insurance earns insurance commissions on the policies we provide. It is what we do with those funds that makes us unique. We are one of very few Australian insurance agencies that operates on a not-for-profit basis. All surplus funds that we generate after deducting our costs are returned to COTA to support their great work to support older Australians. So your insurance policy with us goes beyond protecting you and your assets – it also supports our great cause.


We are backed by leading business partners

COTA Insurance policies are backed by leading insurers, who have worked with us to offer insurance products tailored to the needs of our market.


Experience great service, the way you like it

We have made giant steps in our online services, and we understand that convenience and ease makes online a great option for some of our customers.

For so many more, we know you value talking directly with our wonderful staff, who can guide you through each step of your insurance needs. Most of our team have been with us for many years, and they specialise in talking with older Australians about their insurance needs. They are experts who are generous with their time, making sure that you are properly covered and understand your policy. Most importantly, they really enjoy talking to people about their insurance needs.


Here’s what some of our customers say

“For a person my age who is not computer literate I found your response amazing. We know we need to have coverage but some organisations make you feel inferior. Your team was such a pleasant & fruitful experience. Thank goodness for pleasurable helpful staff such as Teresa” Gail

“Cannot fault any stage of your handling of ins policy with you from quote, regular contact during emergency, expediency settling a claim & the follow-up all have us singing your praises to our fellow travellers!” Lyn

“I would like to thank Paul for his friendly telephone service. He had all the time in the world to talk to me and didn’t at any time try to hurry me.” Patricia

“My wife and I have been sourcing travel insurance for our forthcoming trip to Canada. We found COTA being the best in service. During the process of sorting out what was best for us, we spoke to 3 persons. All have the friendly attitude & was most helpful.” Louis and Annette

“Wonderful front call service and procedure and follow up.” Ros

“Very friendly and helpful staff. They have all the time in the world to help you. No shunting off because you are older.” Patricia

“Received great & pleasant assistance from Teresa last year. Asked for her again for this renewal & from her assistance last year transferred my home & contents across as well, thank you.” Ian

“I’ve always found staff members to be very helpful. Sometime it’s help & service that makes a big difference especially after losing a partner of 50 years.” Lea

“All staff were very helpful & quick to rectify a mistake in the questions that my husband had answered incorrectly.” Margaret

“Paul & the previous lady who initially dealt with our first travel insurance quote both gave excellent, up-front assistance. Thank you to both. COTA products have been thoroughly researched and give clients peace of mind.” Heather

“Have had two Travel Insurance policies with you and will get a third in Sept. I have a small claim pending re my Solomon Island Boat Adventure. When I get our schedule set for 2016 I will get a year policy.” John

“I have used COTA Travel Insurance a number of times as I travel quite frequently. Twice I have made a claim and have received excellent personal service.” Robin

“I am planning a long and rather ‘difficult to organise’ trip. Info re the correct insurance is vital due to the areas covered (Cairo to Capetown o/land). This made my decision on insurance critical. Having compared several, COTA was by far the cheapest for very, very similar coverage.” Karen

“Every time I have rang I always have had great results with very helpful staff & I would recommend COTA to everyone for Travel Insurance.” Jeanette

“Very easy process to get medical clearance at a reasonable price. Overall experience smooth, well organised and satisfactory.” Mr Gibson

“I have found that COTA will insure older people and are nice to deal with.” Nancy

‘The Travel Clear assessment is good. At lest you know where you stand. I love your big cuddly mascot, fridge magnet photo frame. It makes you feel appreciated and looked after. Thanks Leanne.” Beverley

“COTA did everything needed when called on – had to cancel a trip and return home from South Africa because of wife’s pneumonia.” Alfred

“Always helpful and informative, courteous, knowledgeable, efficient and caring. We’re very happy with our dealings with COTA and haven’t found other companies to compare… keep doing what you do so well!” Mrs Sheryl Wearne

“I will never purchase travel insurance from anyone else following the service you provided after breaking and dislocating my ankle in Spain. From daily phone calls in hospital, payment to hospital, organisation of travel home. Excellent service provided.” Nigel

“Ease of obtaining quote. Particularly the medical. The questions relating to the medical assessment were very well constructed and presented. They got the kind of response I would have written out in prose.” Glenn

“I was recommended by my travel agent to get COTA travel insurance and COTA offered car insurance with no pressure so I took up that offer.” Kathryn

“We have dealt with Teresa on a number of occasions and have always found her friendly and helpful. A true asset for COTA. Will be following up on other insurance quotes in due course.” Tony

“My first association with COTA. I was impressed will be contacting them for motor and home insurance quotes.” Geoffrey















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