Apia car insurance

‘Apia’ stands for Australian Pensioners Insurance Agency and has been offering insurance for more than 30 years. Today it offers a range of insurance products for Aussies over 50, including home, boat, caravan and vehicle insurance. So if you know the roads round where you live like the back of your hand and you have a heap of driving experience under your belt, Apia insurance might be worth looking into. 

Keep reading for more information on Apia’s car insurance policies.

Apia offers the following car insurance policies

Rates and fees verified as correct at 07 May, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Car Insurance

Yes

up to 65%

5%

No

Who is Apia underwritten by?

Apia is a subsidiary of AAI Limited which also underwrites its policies. AAI Limited in turn is a member of the Suncorp Group. 

What type of car insurance does Apia offer?

Apia offers a wide range of car insurance including third party property, third party fire and theft and comprehensive car insurance. On top of this, Apia also offers MAI Insurance to ACT residents.

What does Apia’s comprehensive car insurance cover?

Apia’s Comprehensive Car Insurance includes all the usual cover, plus a few extra perks to sweeten the deal. Some features of Apia’s comprehensive policy include:

With its comprehensive policy, Apia also offers a lifetime guarantee on authorized repair work, plus a discount if you drive less than 20,000km per year. This policy also offers new car replacement, if your car is stolen and not recovered. Although it should be noted that this only applies for cars less than 10 years old and there is a $40,000 limit on cover.

What optional extras are available with Apia’s comprehensive car insurance?

Want to increase your cover? Apia has a number of optional extras available with its comprehensive car insurance, these are:

What does Apia’s roadside assistance cover?

Apia offers roadside assistance cover as an optional extra for less than $7 a month. It includes 24/7 support and unlimited callouts. If you opt for this, Apia will help you with:

What does Apia’s comprehensive car insurance not cover?

We’ve talked a lot about what is included, but as with most comprehensive car insurance policies there are also some exclusions. Some of these are:

These are just a few of the exclusions that apply. The full list can be found in the product disclosure statement for this policy - a copy of which is available on Apia’s website.

More FAQs about Apia car insurance

What third party insurance does Apia offer?

Apia offers both third party property and third party fire and theft car insurance. It also offers MAI Insurance for ACT residents (CTP insurance).

Both third party property and third party fire and theft insurance include up to $20 million of legal liability cover, plus up to $5,000 worth of cover for damage caused by an at-fault, uninsured driver. For this, you will have to provide Apia with the name and address of the person at-fault, as well as their vehicle registration number.

On top of all this, third party fire and theft insurance also offers cover for:

  • Accidental loss or damage caused by fire or theft

  • Reasonable costs for towing and storage from the scene of an incident or accident

  • A hire car for up to 21 days, following a theft

  • ‘Get home expenses’ up to $500 - this will cover the cost of transport to get you and your passengers to where you were going.

What does Apia’s MAI Insurance cover?

As mentioned above Apia offers MAI Insurance to ACT residents. This stands for Motor Accident Injuries Insurance and is basically what CTP or compulsory third party insurance is called in the Australian Capital Territory. 

This type of insurance is a legal requirement to be able to drive in the capital territory and Apia is one of only four that offer it. Other insurance providers that offer this are: AAMI, GIO and NRMA.

As with all types of compulsory third party insurance, MAI Insurance does not cover any damage done to your actual car. This type of insurance is designed to provide cover for a person injured in an accident, where your car is at fault. As well as this with Apia in particular, you’ll have access to Suncorp Benefits and the Apia Good Life quarterly newsletter.

Does Apia offer a no claims bonus?

Yes, Apia does offer a no claims bonus with its comprehensive car insurance policy. If you aren’t completely aware of what this is, it’s basically a discount that rewards you for having a good claims history. In other words you are rewarded for driving safely.

Some claims that will not affect your no claims bonus are:

  • Windscreen or window glass damage only claims

  • If your no claims bonus is protected (more on this below)

  • You did not cause an accident you are involved in and you can provide Apia with the name and address of the person who is at-fault, as well as their registration number.

For all other claims, your no claims bonus may be reduced. The no claims bonus consists of six ratings, each one of which comes with a bigger percentage discount than the other. The more consecutive years you have with no claims (or at least no claims that affect your discount) the higher your rating will be and the bigger the discount you will get. The ratings are:

  • Rating 1 - 65% discount

  • Rating 2 - 60% discount

  • Rating 3 - 55% discount

  • Rating 4 - 45% discount

  • Rating 5 - 25% discount

  • Rating 6 - 0% discount

Can I protect my no claims bonus discount?

Once you have achieved rating one (the highest rating available) you can protect your discount if you:

  • Do not make any claims that affect your no claims bonus for three consecutive years

  • Are a new customer who already holds a protected no claims bonus discount with your previous insurance provider.

Does Apia offer any other discounts?

Besides the no claims bonus, Apia also offers:

  • A multi-policy discount - you might be able to get this discount if you pay for two or more eligible Apia general insurance policies.

  • A work less, pay less discount - if you work less than 37 hours each week, you could be eligible for this discount. This particular discount is based on your employment status and is determined by the information on your insurance certificate.

  • A drive less, pay less discount - if you have a comprehensive car insurance policy with Apia and you drive less than 20,000km each year, you could be eligible for this discount.

How much does Apia car insurance cost?

How much your insurance premium will be with Apia will depend on a number of factors. Some things that Apia will take into account are:

  • Your age 

  • Your gender

  • The car you drive

  • How old your car is

  • The amount of cover you opt for - comprehensive car insurance will be more expensive than third party property

  • Where your car is parked at night

  • Where you live

  • Whether you are paying off a car loan for your vehicle

  • Any discounts that you may be eligible for

  • What type of excess you choose

  • Whether you opt for any additional extras.

What types of excess does Apia offer?

Types of excess Apia offers are:

  • A standard excess (applies to all policies, unless stated otherwise)

  • Chosen variable excess 

  • Drivers under 25 excess (this is in addition to any other excess that applies)

How can I pay my premium?

When you’re trying to fit your car insurance premium into a budget, it’s nice to have some flexibility in how it’s paid. With Apia, you can choose to either pay an annual premium in one lump sum upfront, or you can pay in monthly installments, at no extra cost.

How is Apia rated by customers?

But how does Apia rate in terms of things like customer service, trust and convenience? You can find out by reading through our customer review section, where everyday Aussies have shared their thoughts about Apia car insurance. 

How do I make a claim with Apia?

There are three ways you can make a claim with Apia, these are:

  • Via the Suncorp App (Apia is part of the Suncorp Network)

  • Online via Apia’s website

  • By calling Apia on 13 50 50.

To make a claim you will need to have your policy number at hand, details about the incident, documents related to the claim and information about the other person involved.

How is Apia car insurance rated?

Mozo users have rated Apia car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
Apia car insurance
Overall
8.6/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

828 Reviews

Recent Apia car insurance reviews

Apia Comprehensive Car Insurance review
Overall 9/10
Great company.

I have made 2 claims not at fault and they were very helpful and friendly. They also gave me a discount once I retired.

Read full review

I have made 2 claims not at fault and they were very helpful and friendly. They also gave me a discount once I retired.

Value for money
8/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Dominique, Queensland, reviewed about 18 hours ago
Apia Comprehensive Car Insurance review
Overall 1/10
Terrible.

I am in the midst of making my first claim with Apia insurance. Trying to get the claim assessed is like pulling hens teeth. The standard answer I keep getting is please ring back again on Monday morning. Please don't use Apia. They are there only to get your money.

Read full review

I am in the midst of making my first claim with Apia insurance. Trying to get the claim assessed is like pulling hens teeth. The standard answer I keep getting is please ring back again on Monday morning. Please don't use Apia. They are there only to get your money.

Value for money
8/10
Policy coverage
6/10
Customer service
2/10
Claims handling
1/10
Trust
1/10
Less
Chas, Victoria, reviewed 3 days ago
Apia Car Insurance review
Overall 1/10
Apia is pathetic.

Apia has not done anything to help me. So much for helping pensioners. My car was damaged by another driver and I was penalised. It's been six weeks and I'm still waiting. All I want is my excess back.

Read full review

Apia has not done anything to help me. So much for helping pensioners. My car was damaged by another driver and I was penalised. It's been six weeks and I'm still waiting. All I want is my excess back.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Spiro, New South Wales, reviewed 7 days ago
Apia Car Insurance review
Overall 6/10
Old-fashioned, good results.

The one glaring deficiency with APIA is that they seem to lack innovation and attention in customer service. It's an 'old school' way of doing things, and it means that I - as the customer - feel as though the onus is on me to receive good service. They have been terrific in dealing with claims and ensured the claims process was extremely simple (after my car, whilst parked, was hit by someone). Their payment plans and options have also been useful.

Read full review

The one glaring deficiency with APIA is that they seem to lack innovation and attention in customer service. It's an 'old school' way of doing things, and it means that I - as the customer - feel as though the onus is on me to receive good service. They have been terrific in dealing with claims and ensured the claims process was extremely simple (after my car, whilst parked, was hit by someone). Their payment plans and options have also been useful.

Value for money
7/10
Policy coverage
9/10
Customer service
5/10
Claims handling
7/10
Trust
9/10
Less
Rebecca, Victoria, reviewed 10 days ago

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