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Apia Comprehensive Car Insurance

Monthly premiums available
Maximum no claim discount
up to 65%
Online discount
5%
Choice of repairer

Mozo editorial review Apia Comprehensive Car Insurance

Last updated: 14 May 2020.

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What's hot
  • Monthly premiums available at no extra cost
  • 5% online discount
  • Discount for customers who drive less than 20,000 km 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 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 for drivers who don’t drive very often.    

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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. Unlike many insurance policies, it 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 $450 and $1,645 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.

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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 is worth getting a quote online. Drivers who don’t 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.

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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.

Details

Rates and fees information correct as at 13 July 2020. 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
  • $450 - $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

  • 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 excess for first windscreen claim each year 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.

  • Not at fault - Optional Extra. 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 $1,000 if stolen.

  • Automatically covered.

  • $5,000 within 12 months of accident.

  • No

*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
8.5/10
Trust
8.7/10

Latest reviews of Apia Comprehensive Car Insurance

  • Overall 1/10
    Stay away from APIA not worth it.

    APIA takes advantage of its elder clients. Just because we are old in age, that doesn’t enable them to take advantage of our mental and physical wellbeing. I have been bullied and pushed around by the APIA claims department and had my claim be delayed with ridiculous hoops to jump. I have been denied services entitled in my policy such as car hire, payment after 14 days if car is not recovered. Instead I’m being treated as if I’m a criminal for having my car stolen. I have met my obligations under my policy, they have failed to meet theirs and play delay tactics, clearly have nothing better to do than just post fictitious 5 star reviews on this site then to finalise it’s customers claims. Avoid this insurer at all costs, the discount is not worth it. You will be bullied, treated like a criminal, made to jump hoops, have your claim delayed and / or declined without proper reasoning or justification and worst yet they call you uncooperative if you challenge their position or ask questions.

    Read full review

    APIA takes advantage of its elder clients. Just because we are old in age, that doesn’t enable them to take advantage of our mental and physical wellbeing. I have been bullied and pushed around by the APIA claims department and had my claim be delayed with ridiculous hoops to jump. I have been denied services entitled in my policy such as car hire, payment after 14 days if car is not recovered. Instead I’m being treated as if I’m a criminal for having my car stolen. I have met my obligations under my policy, they have failed to meet theirs and play delay tactics, clearly have nothing better to do than just post fictitious 5 star reviews on this site then to finalise it’s customers claims. Avoid this insurer at all costs, the discount is not worth it. You will be bullied, treated like a criminal, made to jump hoops, have your claim delayed and / or declined without proper reasoning or justification and worst yet they call you uncooperative if you challenge their position or ask questions.

    Value for money
    -1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Apia, Victoria reviewed 17 days ago
  • Overall 9/10
    Great team offering great rates for our goods!

    I like my car insurer as they've always been straight with me and walked me through options I've not fully understood (the illness I now have gives me cognitive issues on occasion and other times I'm ok), so the ladies (usually ladies) walk me through until I get it. Those ones are a great asset for the company and that's why I'm happy to shout out for them. I thoroughly would tell my friends (and I do) about them so they too know how good Apia have been with me.

    Read full review

    I like my car insurer as they've always been straight with me and walked me through options I've not fully understood (the illness I now have gives me cognitive issues on occasion and other times I'm ok), so the ladies (usually ladies) walk me through until I get it. Those ones are a great asset for the company and that's why I'm happy to shout out for them. I thoroughly would tell my friends (and I do) about them so they too know how good Apia have been with me.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    9/10
    Trust
    9/10
    Less
    Lynne, New South Wales reviewed about 1 month ago
  • Overall 0/10
    Find another insurance company.

    Over an hour wait to get a claim finalised, and it's still not done. If you're that damn busy put more staff on. Worst company I've ever dealt with.

    Read full review

    Over an hour wait to get a claim finalised, and it's still not done. If you're that damn busy put more staff on. Worst company I've ever dealt with.

    Value for money
    -1/10
    Policy coverage
    -1/10
    Customer service
    0/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Phil, Victoria reviewed 4 months ago
  • Overall 10/10
    Good premiums & excellent customer service.

    I like everything that APIA provides for us over 50s and I do not dislike anything!

    Read full review

    I like everything that APIA provides for us over 50s and I do not dislike anything!

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    John, Western Australia reviewed 8 months ago
  • Overall 9/10
    Almost perfect.

    Excellent claims service with unexpected level of care and speed.

    Read full review

    Excellent claims service with unexpected level of care and speed.

    Value for money
    10/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Anthony, Western Australia reviewed 8 months ago
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