Apia car insurance

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.