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 5% 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 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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5% |
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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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Reasonable towing costs, one tow per claim. |
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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 |
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Up to $750 |
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No |
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Automatically covered. |
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$5,000 within 12 months of accident. |
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No |
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.
Do not fall for the marketing spiel. These guys are unethical and will ramp up your premium by 30%+ after a years they prey on people who do not notice or are too lazy to change providers. I was told when I joined APIA they did not engage in such practices so moved 3 of my cars across. Such practices are unscrupulous and if the ACCC had any clout they would shut down operators like APIA for gaming the system.
Read full reviewDo not fall for the marketing spiel. These guys are unethical and will ramp up your premium by 30%+ after a years they prey on people who do not notice or are too lazy to change providers. I was told when I joined APIA they did not engage in such practices so moved 3 of my cars across. Such practices are unscrupulous and if the ACCC had any clout they would shut down operators like APIA for gaming the system.
Great customer service, reasonably priced. Australian Call centre
Read full reviewGreat customer service, reasonably priced. Australian Call centre
Their assessor is Capitol Smart, which is insurance co. owned but also does smaller repair jobs.. They are pleasant & competent repairers, but it can take up to 2 weeks for an assessment & a start on the repair. They then fitted the new door in one day & did the job perfectly.
Read full reviewTheir assessor is Capitol Smart, which is insurance co. owned but also does smaller repair jobs.. They are pleasant & competent repairers, but it can take up to 2 weeks for an assessment & a start on the repair. They then fitted the new door in one day & did the job perfectly.
I have been with apia now 3 years, renewal is a breeze my monthly payments are very manageable and the customer service I have received is excellent.
Read full reviewI have been with apia now 3 years, renewal is a breeze my monthly payments are very manageable and the customer service I have received is excellent.
When trying to make a claim this company has no respect for SENIORS. The claim portion of the phone is a robot which continually invites you to 'go online and make a claim....' or hold... well I held for 1 hr and 10 mins the 1st day. 50 mins the next day. Then decided to trick the robot and get a person to talk to so went with the sales round and had immediate response from a person. This person says ' ... I can only put you through the claims section...' which of course put me back to the robot loop. I did the trick again and a further immediate PERSON, who repeated the 'only put you through the claims.....' routine. I then asked to speak to her supervisor. "Oh no you cannot speak to a supervisor, only one from claims..." OMG. OK - please put me through to the complaints department, ie. complaints about the company NOT claims. She said "... I can send them an email with your details and what you want and they will email you". OMG so now I'm waiting for an email and wondering when I can get my vehicle fixed!!
Read full reviewWhen trying to make a claim this company has no respect for SENIORS. The claim portion of the phone is a robot which continually invites you to 'go online and make a claim....' or hold... well I held for 1 hr and 10 mins the 1st day. 50 mins the next day. Then decided to trick the robot and get a person to talk to so went with the sales round and had immediate response from a person. This person says ' ... I can only put you through the claims section...' which of course put me back to the robot loop. I did the trick again and a further immediate PERSON, who repeated the 'only put you through the claims.....' routine. I then asked to speak to her supervisor. "Oh no you cannot speak to a supervisor, only one from claims..." OMG. OK - please put me through to the complaints department, ie. complaints about the company NOT claims. She said "... I can send them an email with your details and what you want and they will email you". OMG so now I'm waiting for an email and wondering when I can get my vehicle fixed!!