Apia - Comprehensive Car Insurance

Apia Comprehensive Car Insurance Review

Rates and fees information correct as at 10 December 2018.

Review published: 20 September 2017

What's hot:

  • Monthly premiums available at no extra cost

  • 15% online discount

  • Discount for customers who drive less than 20,000 kms per year

What's not:

  • $1,500 excess for drivers under the age of 25

Mozo snapshot:

Apia’s Comprehensive Car Insurance gives you flexibility to trim the finer details of your cover to suit your needs while offering a range of ways to drive down your premium. Apia offers motorists a range of discounts including a no claims bonus, multi-policy discount, a discount for taking out your policy online and for drivers who don’t drive so much.    

Key features:

This comprehensive car insurance policy will allow you to cover your wheels at an agreed value or at the standard market value and unlike many insurance policies gives you the peace of mind of handpicking your own repairer should you be involved in an accident. If you want to choose your own excess and drive down the cost of your premium payments, this policy gives you the option to do that too. You can choose an excess between $600 and $1,600 and if your windscreen is damaged, Apia will cover the cost to replace it as a standard feature of its comprehensive car insurance policy.

If your car is stolen, Apia also covers the costs of your rental for 21 days but you’ll have to opt for additional extras if you want Apia to cover the costs of a rental after an accident or if you want roadside assistance as part of your policy.

An attractive feature of its Comprehensive Car Insurance policy, Apia provides its customers with a few options when it comes to discounts. By taking a quote out online you’re eligible for a 15% discount, no claim bonuses can climb as high as 65% and you could also save on your premium if you take out more than one insurance policy with Apia.

Who it's good for:

Apia rewards drivers over the age of 50’s with cheaper premiums on their insurance policies so if you’re a little older it is worth getting a quote online. Drivers who don’t really rack up many kilometres but still want top quality cover for their car should consider Apia’s comprehensive car insurance, as well. If you drive less than 20,000 kilometres per year you could be up for a discount as large as 23% on your premium or if you prefer to pay on a month-to-month basis you can opt to do that too, at no additional cost.

Any catches?

Just keep in mind if you have any kids listed on the policy that are under the age of 25 and are involved in an accident you could be up for a hefty $1,500 young driver excess.

How is Apia car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
8.7

Based on 804
Apia car insurance reviews

8.4 8.3 8.8 8.6 8.7

Read Apia car insurance reviews by the Mozo community

Latest reviews of Apia Comprehensive Car Insurance

Apia

Apia Comprehensive Car Insurance car insurance review

Overall rating   8 / 10

Easy to talk to

I have never had to make a claim, but they re happy with my policy and pricing.

Full review

I have never had to make a claim, but they re happy with my policy and pricing.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   8 / 10

    Trust   8 / 10

Less

Margy, New South Wales, reviewed 9 months ago

Apia

Apia Comprehensive Car Insurance car insurance review

Overall rating   9 / 10

The best

The best rates and service.

Full review

The best rates and service.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Jann, Victoria, reviewed 9 months ago

Apia

Apia Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Great to deal with, not pushy

Excellent overall.

Full review

Excellent overall.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Trust   10 / 10

Less

Raelene, South Australia, reviewed 10 months ago

Apia

Apia Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Competitive premiums and great customer service

Great custom service and great prices

Full review

Great custom service and great prices

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   9 / 10

    Trust   10 / 10

Less

Sue, New South Wales, reviewed 10 months ago

Apia

Apia Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Very competitive rates

Great rates for pensioners

Full review

Great rates for pensioners

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Loredana, Victoria, reviewed about 1 year ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Discounts and excesses

  • $600 - $1,600

  • $1,500 for drivers under 25.

  • 65% (VIC)
    65% (WA)
    65% (NT)
    65% (TAS)
    65% (NSW)
    65% (SA)
    65% (ACT)
    65% (QLD)

  • 5 years

  • 15%

  • multi policy diuscounts depend on which policies held

  • Maximum no claim discount is protected for life against claims after 3 years.

  • Customers who drive less than 20,000kms per year can save up to 23%.

Service features

  • Optional Extra

  • none

  • none

Coverage summary

  • Agreed or Market

  • - within 2 years of original registration. New car after theft if less than 10 years old up to $40,000 limit

  • Up to $1,000 if damaged or stolen.

  • Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

  • Up to $500

  • Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 150 km from home.

  • - Up to 21 days.

  • Optional Extra - Unlimited days, max $90 per day.

  • Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

  • Up to $2,000 excluding contents.

  • Up to $1,000 if stolen.

  • Automatically covered.

  • Up to $5,000 within 12 months of accident.

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).

(*as voted by the Mozo community)

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