Apia car insurance

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.

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.

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

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.

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 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.

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)

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.

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. 

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.