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.
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.