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Apia Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Maximum no claim discount
up to 65%
Online discount
Choice of repairer

Mozo editorial review Apia Comprehensive Car Insurance - last updated: 28 September 2023

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What's hot
  • Monthly premiums available at no extra cost
  • New-for-old car replacement (if car is under 10 years old)
  • Discount for customers who drive less than 20,000 km per year
  • 2023 Mozo Experts Choice Award winner
What's not
  • $1,500 excess for drivers under the age of 25
Mozo snapshot

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. 

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Key features

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.

Who is it good for

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.

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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.


Cover information and limits in the table below correct as at 31 May 2024. 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


$650 - $1,645

$1,500 for drivers under 25

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

5 years


Multi policy discount of 10% off each new eligible policy with Apia.

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






Coverage summary

Agreed or Market

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

Up to $1,500 if damaged or stolen, limit combined with emergency repairs and emergency accommodation.

Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.

Up to $1,500 combined with emergency accommodation and lose/damage to personal property cover

Reasonable towing costs, one tow per claim.

Yes - Up to 21 days.

Not at fault - Yes. At fault - 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

Up to $750


Automatically covered.

$5,000 within 12 months of accident.


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.

Customer Reviews

How are Apia car insurance rated by the Mozo community?

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Based on 852 Apia car insurance reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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