Apia car insurance

Apia stands for Australian Pensioners Insurance Agency, and offers home, boat, caravan and car insurance to Aussies over 50 years old. So if you’re an experienced driver in need of cover for your wheels, check out the details of an Apia car insurance policy below.

Apia offers the following car insurance policies

Rates and fees verified as correct at 03 March, 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

Frequently asked questions about Apia car insurance

Should I opt for the low or high excess option?

With Apia insurance, you can opt for a high excess, which means lower premiums, or a low excess, but pay higher premiums. The decision of which is better comes down to how your budget looks and how you’d handle an emergency.

For example, if you’re on a tight budget, you may want to pay lower premiums now. But keep in mind that this means you’ll have to come up with a higher lump sum to pay the excess when there's an emergency.

How is my premium calculated?

How much your premium costs will depend on how likely you are to make a claim. At Apia, this is determined by things like what car you drive, how you drive it and also by any extra cover options you might like to add to your policy.

What optional extras can I add to my car insurance?

You can add cover that will pay for a rental car after you have an accident, or for any modifications made to your vehicle, which are only covered if agreed to in writing. Roadside assist is an optional extra you might also consider.

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.

What discounts are available?

Discounts can lower your car insurance premium and give your budget a little breathing room. So when you apply for Apia car insurance, make sure you see if you’re eligible for these discounts:

  • No claims discount (different for each state)
  • Online discount
  • Multi-policy discount if you bundle your car insurance with life or home insurance
  • Low use discount if you drive less than 20,000 km in a year

What cover do I have in an emergency?

An Apia insurance policy will cover you for incidents such as:

  • loss/theft of your personal property
  • broken windscreens
  • towing costs
  • alternate travel or accommodation costs after an accident
  • a rental car after yours is stolen
  • rental car liability
  • emergency repairs without an assessment up to a certain amount

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 to make a claim

Accidents happen, and when they do, you should know the process for making a claim on your Apia car insurance. Here are some basic steps to follow:

  • Stay safe. This might mean calling an ambulance, or securing your car so the loss or damage is not made worse.
  • Make official reports. If a police report is necessary, make one promptly. Remember to get a copy of this report, as well as any other official documents, like medical certificates.
  • Collect contact details. If there was anyone else involved in the accident, or if you can find any witnesses, try to get their contact details, including name, phone number, address, registration and insurance details.
  • Record details of the accident. The more detail you can give in describing what happened, the easier it will be for Apia to process your claim. Taking pictures of the car or the road might be helpful.
  • Contact Apia. You can get in touch either by phone or by filling in an online claims form. They’ll be able to let you know what to do from there to get started on having your car repairs done.

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
8.7/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

818 Reviews

Recent Apia car insurance reviews

Apia Comprehensive Car Insurance review
Overall 9/10
APIA is the number one insurer.

I have dealt with all the insurance companies, banks, brokers, assessors, etc. and I am completely happy to be insured with APIA.

Read full review

I have dealt with all the insurance companies, banks, brokers, assessors, etc. and I am completely happy to be insured with APIA.

Value for money
9/10
Policy coverage
9/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Wayne, Tasmania, reviewed about 20 hours ago
Apia Comprehensive Car Insurance review
Overall 10/10
Apia is fantastica!

Apia has continually sent me information via emails on everything they have to offer me as a customer. Their emails always feel like they are talking to me personally.

Read full review

Apia has continually sent me information via emails on everything they have to offer me as a customer. Their emails always feel like they are talking to me personally.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
8/10
Less
Leanne, New South Wales, reviewed 3 months ago
Apia Car Insurance review
Overall 8/10
Ok for the price I must say.

The insurer provides car deals.

Read full review

The insurer provides car deals.

Value for money
5/10
Policy coverage
10/10
Customer service
9/10
Claims handling
2/10
Trust
10/10
Less
Zanden, South Australia, reviewed 4 months ago
Apia Comprehensive Car Insurance review
Overall 9/10
Get a quote from APIA. You cant go wrong.

Four years ago I sought a quote from APIA for comprehensive insurance on my car. Their quote came in about 7% less than any of the other quotes (5) that I received. I took out the policy with them and consequently had a claim for a door of the car being damaged in a car park. This claim was handled very promptly and repairs were carried out less than 7 days later. No cost to me (no excess) and no effect on my no claim bonus. A far better outcome than I expected. I wholeheartedly recommend APIA as the best Insurance Company that I have ever dealt with.

Read full review

Four years ago I sought a quote from APIA for comprehensive insurance on my car. Their quote came in about 7% less than any of the other quotes (5) that I received. I took out the policy with them and consequently had a claim for a door of the car being damaged in a car park. This claim was handled very promptly and repairs were carried out less than 7 days later. No cost to me (no excess) and no effect on my no claim bonus. A far better outcome than I expected. I wholeheartedly recommend APIA as the best Insurance Company that I have ever dealt with.

Value for money
10/10
Policy coverage
9/10
Customer service
9/10
Claims handling
10/10
Trust
10/10
Less
Mick, Western Australia, reviewed 6 months ago

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