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  • Apia Comprehensive Car Insurance

    • up to 65%

    • 5%

    Coverage summary

    Agreed or market value
    Agreed or Market
    New car if written off
    Yes - within 2 years of registration
    Personal property cover
    Up to $1000 cover when car damaged/stolen.
    Windscreen cover
    Covered
    Emergency repairs without assessment
    Up to $500
    Emergency towing, transport and accommodation
    Reasonable towing cost. $500 travel and accomodation (>150km from home)
    Rental car after theft
    Yes - 21 days.
    Rental car after accident
    Optional extra
    Cover while using the rental car?
    Covered
    Trailer or caravan cover
    Up to $2000.
    Damage to commercial signage
    Replacement keys
    No
    Baby capsule or seats
    Modifications
    Covered only if agreed in writing.
    Accidental death cover for driver
    Up to $5,000 if within 12 months of accident.

    Service features

    Roadside assistance
    Choice of repairer
    24/7 claims service
    Other benefits
    none
    Other restrictions
    none

    Discounts and excesses

    Monthly premiums available
    Choice of excess
    $550 - $1,550
    Young driver excess imposed
    $1,500 for drivers under 25.
    Maximum no claim discount table
    StateDiscount
    VIC65%
    TAS65%
    NSW65%
    SA65%
    QLD65%
    NT65%
    WA65%
    ACT65%
    Maximum no claim discount term
    5 years
    Online discount
    5%
    Multi policy discount
    save 10% on each policy
    No claim discount
    Maximum no claim discount is protected for life against no-fault claims after 3 years. Others can purchase protection for extra premium.
    Other discounts available
    Customers who drive less than 20,000kms per year can save up to 23%.

    About Apia

    Apia is one of Australia’s leading insurance and financial services organisations, forming part of Suncorp. Established over 20 years ago, Apia is renowned for outstanding customer service. Their service levels are world class which means their focus has and will continue to be you, the customer. Their goal is to continue to provide high quality insurance products with real personal service to the over 50’s market in Australia. So wherever you are and whatever your needs, Apia can help you.

    How is Apia car insurance rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Apia car insurance 8.8 Based on 74
    Apia car insurance reviews
    8.4 8.1 8.9 8.7 8.8

    Read Apia car insurance reviews by the Mozo community

    Latest reviews of Apia Comprehensive Car Insurance

      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Brilliant policy and prompt, courteous service.

          1. Overall customer rating
          2. (Reviewed 2 days ago)

        I have been with APIA car insurance for over 10 years now and have found them to be reliable, honest and helpful in all dealings with them. I have had two [2] claims with them in this period and they have handled my claim with diligence and courte...       Full review 

        I have been with APIA car insurance for over 10 years now and have found them to be reliable, honest and helpful in all dealings with them. I have had two [2] claims with them in this period and they have handled my claim with diligence and courtesy. The ease in which the claim was assessed was terrific and the car fixed to my satisfaction was great. I also retained my number one rating and the premiums did not rise at all. I have no hesitation in recommending this insurer to anyone.


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        Apia Comprehensive Car Insurance car insurance review by Neil from Victoria

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      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Extremely great customer service

          1. Overall customer rating
          2. (Reviewed 2 days ago)

        I have found APIA to be very very helpful and efficent with no problems with any claims that I have made. They have dealt with me in a very efficient and helpful manner right through to the end. I have 3 policys with this insuirance company plus ...       Full review 

        I have found APIA to be very very helpful and efficent with no problems with any claims that I have made. They have dealt with me in a very efficient and helpful manner right through to the end. I have 3 policys with this insuirance company plus my funeral insurance and would recommemnd them to all over 50s.


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        Apia Comprehensive Car Insurance car insurance review by Lynne from Victoria

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        I would give them a 100 Out of a 100 in all areas.

          1. Overall customer rating
          2. (Reviewed 2 days ago)

        Hey they are terrific in processing your claims and you allways are able to speak to someone you can understand on the phone. Also they have offices that you are able to go in and speak to them face to face. I would give them a 100 Out of a 100 ...       Full review 

        Hey they are terrific in processing your claims and you allways are able to speak to someone you can understand on the phone. Also they have offices that you are able to go in and speak to them face to face. I would give them a 100 Out of a 100 in all areas.


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        Apia Comprehensive Car Insurance car insurance review by Bob from Victoria

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Great all round service

          1. Overall customer rating
          2. (Reviewed 2 days ago)

        They were very prompt and courteous we were very satisfied with their all round service they are competivelly priced and payments are monthly. To be honrst there is nothing I can fault with their service.       Full review 

        They were very prompt and courteous we were very satisfied with their all round service they are competivelly priced and payments are monthly. To be honrst there is nothing I can fault with their service.


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        Apia Comprehensive Car Insurance car insurance review by Tony from South Australia

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      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Cheap and perfect for what I want and need

          1. Overall customer rating
          2. (Reviewed 7 days ago)

        After shopping around they came up with a better package that was $500 cheaper and I can pay by the month and still save so I bundled all my insurance with them..       Full review 

        After shopping around they came up with a better package that was $500 cheaper and I can pay by the month and still save so I bundled all my insurance with them..


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        Apia Comprehensive Car Insurance car insurance review by Margaret from Queensland

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Affordable premiums, and great srvice

          1. Overall customer rating
          2. (Reviewed 8 days ago)

        Haven't made a claim so I cannot comment how good they are in that regard. The inclusions are so much better than other companies, and the costs are so much better.       Full review 

        Haven't made a claim so I cannot comment how good they are in that regard. The inclusions are so much better than other companies, and the costs are so much better.


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        Apia Comprehensive Car Insurance car insurance review by Roslyn from New South Wales

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Fast, friendly and top quality repairs in you nee

          1. Overall customer rating
          2. (Reviewed 8 days ago)

        I hit a kangaroo. The repairs were done quickly and efficiently and I didn't lose my "No Claim" bonus as the accident was unavoidable.       Full review 

        I hit a kangaroo. The repairs were done quickly and efficiently and I didn't lose my "No Claim" bonus as the accident was unavoidable.


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        Apia Comprehensive Car Insurance car insurance review by Doug from Queensland

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Exceptional service and great value for money

          1. Overall customer rating
          2. (Reviewed 8 days ago)

        At Apia a person answers the phone without any "for this press one or for that press two". Nor is there any of that even more appalling "voice recognition" rubbish. Apia staff know their products and services and quickly deal with claims or answer...       Full review 

        At Apia a person answers the phone without any "for this press one or for that press two". Nor is there any of that even more appalling "voice recognition" rubbish. Apia staff know their products and services and quickly deal with claims or answer other policy questions. The premiums I pay are, as far as I can tell, competitive and value for money. Go ape with Apia !!


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        Apia Comprehensive Car Insurance car insurance review by Allen from Victoria

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Fantastic value for your money and great service

          1. Overall customer rating
          2. (Reviewed 9 days ago)

        A no nonsense insurance company to deal with, an absolute breath of fresh air in the insurance industry. Extremely happy that I switched across, and freely and openly recommend to anyone.       Full review 

        A no nonsense insurance company to deal with, an absolute breath of fresh air in the insurance industry. Extremely happy that I switched across, and freely and openly recommend to anyone.


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        Apia Comprehensive Car Insurance car insurance review by Peter from New South Wales

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Good premiums and great customer service.

          1. Overall customer rating
          2. (Reviewed 9 days ago)

        Had 2 major accidents, (not my fault), one car written off and the other 90% damaged. Both times I was looked after by APIA wonderfully well. Am very pleased with them, although maybe the premiums have gone a bit high. But in my case, worth it!       Full review 

        Had 2 major accidents, (not my fault), one car written off and the other 90% damaged. Both times I was looked after by APIA wonderfully well. Am very pleased with them, although maybe the premiums have gone a bit high. But in my case, worth it!


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        Apia Comprehensive Car Insurance car insurance review by Jan from Tasmania

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Trustworthy, Top Insurer, excellent phone service

          1. Overall customer rating
          2. (Reviewed 9 days ago)

        I am a severe pain sufferer so I need my insurance company to be easy to understand and easy to contact (not waiting for ever) and for the whole process to be simple, I can not speak highly enough of APIA, made the only car insurance claim in my l...       Full review 

        I am a severe pain sufferer so I need my insurance company to be easy to understand and easy to contact (not waiting for ever) and for the whole process to be simple, I can not speak highly enough of APIA, made the only car insurance claim in my life and they were great helping me all the way and because of my disabilities doing all in their power to help me, I also have home and contents with them and they were great to the flood victims (I was fortunately not one) their quote are reasonable and have ability for for-night payments if required


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        Apia Comprehensive Car Insurance car insurance review by Denise from Queensland

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Peace of mind, reliability at a competitive price.

          1. Overall customer rating
          2. (Reviewed 9 days ago)

        We like APIA because they are polite, offer easy to access and understand insurance- Are reliable and simply give us peace of mind at a reasonable cost-       Full review 

        We like APIA because they are polite, offer easy to access and understand insurance- Are reliable and simply give us peace of mind at a reasonable cost-


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        Apia Comprehensive Car Insurance car insurance review by Sandra from Queensland

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Great company, great sevice

          1. Overall customer rating
          2. (Reviewed 9 days ago)

        We have two cars insured with APIA and they are terrific. We pay by the month and have had one claim which was handled very professionally by them with no fuss. I would recommend them to anyone.       Full review 

        We have two cars insured with APIA and they are terrific. We pay by the month and have had one claim which was handled very professionally by them with no fuss. I would recommend them to anyone.


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        Apia Comprehensive Car Insurance car insurance review by Bill from New South Wales

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        helpful and competitive

          1. Overall customer rating
          2. (Reviewed 9 days ago)

        My coverage is not comprehensive, but couldn't change the reading. I have basic agreed price coverage for a used car, but apia are very very good, very helpful, and cost wise they really are very much within the budget. The are the insurer for pen...       Full review 

        My coverage is not comprehensive, but couldn't change the reading. I have basic agreed price coverage for a used car, but apia are very very good, very helpful, and cost wise they really are very much within the budget. The are the insurer for pensioners in my opinion.


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        Apia Comprehensive Car Insurance car insurance review by a Mozo reviewer from Western Australia

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        Yes
      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Better than great customer service

          1. Overall customer rating
          2. (Reviewed 14 days ago)

        I have been with this company for a number of years now and had only 1 claim for which I would have to say was nothing short of perfect even though they work through another Company. My dealings with APIA is great for all my insurances.       Full review 

        I have been with this company for a number of years now and had only 1 claim for which I would have to say was nothing short of perfect even though they work through another Company. My dealings with APIA is great for all my insurances.


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        Apia Comprehensive Car Insurance car insurance review by James from Queensland

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      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Excellent customer service

          1. Overall customer rating
          2. (Reviewed 14 days ago)

        You always speak to a real person who answers all your questions. They are efficient, friendly, professional and helpful.I found my experience to be stressLESS and worry free       Full review 

        You always speak to a real person who answers all your questions. They are efficient, friendly, professional and helpful.I found my experience to be stressLESS and worry free


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        Apia Comprehensive Car Insurance car insurance review by Wendy from Victoria

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      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Goes nowhere

          1. Overall customer rating
          2. (Reviewed 14 days ago)

        Every year we receive our new policy and up it goes - every year I ring and ask why - and usually get no where - we have had no claims since being members and our insurance kept going up so again this year I ask the questions and they did - they a...       Full review 

        Every year we receive our new policy and up it goes - every year I ring and ask why - and usually get no where - we have had no claims since being members and our insurance kept going up so again this year I ask the questions and they did - they actually did reduce it for us but not by much - but being pensioners every little helps.


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        Apia Comprehensive Car Insurance car insurance review by Irene from Queensland

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      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Helpful and competitive

          1. Overall customer rating
          2. (Reviewed 14 days ago)

        My coverage is not comprehensive, but couldn't change the reading. I have basic agreed price coverage for a used car, but apia are very very good, very helpful, and cost wise they really are very much within the budget. The are the insurer for pen...       Full review 

        My coverage is not comprehensive, but couldn't change the reading. I have basic agreed price coverage for a used car, but apia are very very good, very helpful, and cost wise they really are very much within the budget. The are the insurer for pensioners in my opinion.


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        Apia Comprehensive Car Insurance car insurance review by a Mozo reviewer from Western Australia

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      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Not having to speak to a machine is a great idea.

          1. Overall customer rating
          2. (Reviewed 15 days ago)

        Good company, competitive with rates. Insurance goes through AIMI, but they were slow in dealing with my complaint regarding a break-in and replacing the side window. The one thing that APIA do not cover is windscreen insurance as a once-a-yea...       Full review 

        Good company, competitive with rates. Insurance goes through AIMI, but they were slow in dealing with my complaint regarding a break-in and replacing the side window. The one thing that APIA do not cover is windscreen insurance as a once-a-year free service.


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        Apia Comprehensive Car Insurance car insurance review by Jo from Western Australia

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      • Apia Comprehensive Car Insurance *

        • up to 65%

          maximum no claim discount

        • 5%

          online discount

        * Fees and charges are payable

        Show policy info

        Great premiums and unbeatable service

          1. Overall customer rating
          2. (Reviewed 15 days ago)

        APIA makes a lot of noise about its customer service. Rightly so. We've found them to be friendly, efficient and quick to help their customers. I can't comment about the car, but we had to claim through household insurance. They made the claim...       Full review 

        APIA makes a lot of noise about its customer service. Rightly so. We've found them to be friendly, efficient and quick to help their customers. I can't comment about the car, but we had to claim through household insurance. They made the claim process quick, easy and painless. The premium is hard to beat as well! A win on all counts.


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        Apia Comprehensive Car Insurance car insurance review by Henry from Queensland

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