Apia’s Comprehensive Car Insurance gives you flexibility to alter the finer details of your cover to suit your needs while presenting multiple options 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 one for drivers who don’t drive very often.
Apia's Comprehensive Car Insurance policy also won a 2023 Mozo Experts Choice Award for being Exceptional Value Senior Driver Insurance.
This comprehensive car insurance policy will allow you to cover your wheels at an agreed value or at the standard market value. If Apia can't find one of their certified repairers close to your location or the site of an accident, they'll let you choose your own repairer at no extra cost.
If you want to choose your own excess to drive down the cost of your premium payments, this policy gives you that option. But if repairs won't cut it and your wheels are a write-off, Apia will replace your car with a similar make and model, so long as the original was under 10 years old. This is a pretty generous age limit compared to other offers, with a dollar cap of $40,000. If your property in the vehicle was stolen or damaged, that's covered for up to $1,000 too.
If your car is stolen, Apia covers the costs of your rental for 21 days. However, 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.
Other optional extras include 24/7 roadside assistance, and one excess-free windscreen or glass repair or replacement each policy period. Just remember, extras come at an extra cost.
An attractive feature of this comprehensive car insurance policy is its discounts. By taking a quote out online you’re eligible for a 10% discount; no claim bonuses can climb as high as 65%; and you could also cut 10% off your premium if you take out more than one eligible insurance policy with Apia.
Plus, if you drive under 20,000km a year, you may be eligible for further premium reductions with Apia's Drive Less Pay Less discount.
Apia rewards drivers over the age of 50 with cheaper premiums on their insurance policies, so if you’re a little older it's worth getting a quote online. Drivers who don’t rack up many kilometres but still want top quality cover for their car should also consider this policy.
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.
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Yes |
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$650 - $1,645 |
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$1,500 for drivers under 25 |
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65% (VIC) |
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5 years |
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10% |
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Multi policy discount of 10% off each new eligible policy with Apia. |
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Maximum no claim discount is protected for life against claims after 3 years. |
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Customers who drive less than 20,000km per year can save up to 23%. |
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Optional Extra |
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No |
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Yes |
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n/a |
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n/a |
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SA VIC NT TAS NSW ACT QLD WA |
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Agreed or Market |
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Yes - within 2 years of original registration. New car after theft if less than 10 years old up to $40,000 limit |
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Up to $1,500 if damaged or stolen, limit combined with emergency repairs and emergency accommodation. |
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Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium. |
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Up to $1,500 combined with emergency accommodation and lose/damage to personal property cover |
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Cost of one tow. Up to $1,500 accommodation costs if greater than 100km from home combined with emergency repairs. Up to $500 for travel costs. |
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Yes - Up to 21 days. |
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Not at fault - Yes. At fault - Optional Extra. Unlimited days, max $90 per day. |
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Yes - legal liability cover, accidental loss and damage when using a substitute vehicle. |
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Up to $2,000 for trailer only |
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No |
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Up to $750 |
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Automatically covered. |
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$5,000 within 12 months of accident. |
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No |
^See information about the Mozo Expert Choice Car Insurance Awards
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
THEY ARE THE BEST I HAVE EVER HAD MY CAR UNSURANCE WITH
Read full reviewTHEY ARE THE BEST I HAVE EVER HAD MY CAR UNSURANCE WITH
Customer service was a little mixed as I got onto Online Chat to enquire about different types of Car Insurance, namely Third party fire and Theft. One person cancelled my existing and replaced it with the enquiry quote and I had to get onto someone else to have it reinstated. They were still sending me the new quote details to be insured for awhile which was a little annoying but I did have and activate the Comprehensive policy again for renewal :-) Overall around $100 less for me per year for a car over 20 y.o. The best part is that I do not pay extra to pay by the month :-)
Read full reviewCustomer service was a little mixed as I got onto Online Chat to enquire about different types of Car Insurance, namely Third party fire and Theft. One person cancelled my existing and replaced it with the enquiry quote and I had to get onto someone else to have it reinstated. They were still sending me the new quote details to be insured for awhile which was a little annoying but I did have and activate the Comprehensive policy again for renewal :-) Overall around $100 less for me per year for a car over 20 y.o. The best part is that I do not pay extra to pay by the month :-)
Car ran into me (not at fault) I have a Range Rover alloy panels etc. APIA when I signed up was ‘choice of repairer’ now not. Complained to the complaints department as I went through the terms and conditions. Even the letter they sent me when this happened stating I could select my own repairer. Went to a Land Rover Specialst to check. Not that much difference in price however They send me to a chop shop and they dont care. Guess what got the car back paint is different, wheel was damaged after repair maybe mechanical car wash, door handles did not function properly, internal leather damage on door the must have removed and lent against something. What a mess
Read full reviewCar ran into me (not at fault) I have a Range Rover alloy panels etc. APIA when I signed up was ‘choice of repairer’ now not. Complained to the complaints department as I went through the terms and conditions. Even the letter they sent me when this happened stating I could select my own repairer. Went to a Land Rover Specialst to check. Not that much difference in price however They send me to a chop shop and they dont care. Guess what got the car back paint is different, wheel was damaged after repair maybe mechanical car wash, door handles did not function properly, internal leather damage on door the must have removed and lent against something. What a mess
I have had Car insurance with APIA for many years and the price increase this year is OUTRAGEOUS. The insured amount had dropped by 10% and the premium has risen by 35% and I have never made a claim. I have now purchased comprehensive Car Insurance with Budget Direct for 38% less than the APIA quote. I tried to leave a review for Car Insurance on the APIA website but while you can read all the "positive" reviews you can't leave a review so what you are reading is very selective.
Read full reviewI have had Car insurance with APIA for many years and the price increase this year is OUTRAGEOUS. The insured amount had dropped by 10% and the premium has risen by 35% and I have never made a claim. I have now purchased comprehensive Car Insurance with Budget Direct for 38% less than the APIA quote. I tried to leave a review for Car Insurance on the APIA website but while you can read all the "positive" reviews you can't leave a review so what you are reading is very selective.
No customer service. Too long wait times on phone lines. Only automated responses to emails. Not there for customer at all
Read full reviewNo customer service. Too long wait times on phone lines. Only automated responses to emails. Not there for customer at all