Apia car insurance

Apia's overall rating for car insurance

(as rated by the Mozo community)

8.7 / 10

based on 816 reviews

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

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


up to 65%



*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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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:

What cover do I have in an emergency?

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

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:

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