Apia Comprehensive Car Insurance

up to 65%

5%

Apia Comprehensive Car Insurance

up to 65%

5%

Mozo Review   Apia Comprehensive Car Insurance Review

Last updated: 20 June 2019.

What's hot:
  • Monthly premiums available at no extra cost

  • 5% 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 5% 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.

Details

Rates and fees information correct as at 25 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • $600 or $1,000

  • $1,500 for drivers under 25.

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

  • 5 years

  • 5%

  • multi policy discounts depend on which policies held

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

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

Service features
  • Optional Extra

  • n/a

  • n/a

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.

(*as voted by the Mozo community)

Customer Reviews

How are Apia car insurance rated by the Mozo community?

Overall customer rating
8.7/10
Value for money
8.4/10
Policy coverage
8.3/10
Customer service
8.8/10
Claims handling
8.6/10
Trust
8.7/10

Latest reviews of Apia Comprehensive Car Insurance

  • Overall
    10/10
    Apia are excellent for pensioner insurance

    Extremely helpful but when making a claim sometimes there is a long wait to get through to the...

    Extremely helpful but when making a claim sometimes there is a long wait to get through to the claims officer. Rates are easily arranged and monthly payments are easily set up.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    10/10

    Ramona | Tasmania

    reviewed 7 months ago

  • Overall
    8/10
    Easy to talk to

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

    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
    Claims handling
    -1/10
    Trust
    8/10

    Margy | New South Wales

    reviewed over 1 year ago

  • Overall
    9/10
    The best

    The best rates and service.

    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

    Jann | Victoria

    reviewed over 1 year ago

  • Overall
    10/10
    Great to deal with, not pushy

    Excellent overall.

    Excellent overall.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    10/10

    Raelene | South Australia

    reviewed over 1 year ago

  • Overall
    10/10
    Competitive premiums and great customer service

    Great custom service and great prices

    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

    Sue | New South Wales

    reviewed over 1 year ago

Apia

About Apia

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