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.
Terrible policy. This is my 2nd bad experience. The first time, they accepted a claim on my home insurance for damage of $18,000 in a storm and then retracted and said it was due to a maintenance issue. For my car insurance claim there was no choice of repairer, no rental vehicle cover while my car was getting repaired and they want payment of the excess up front!
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.
Getting older doesn't mean I got lobotomised to good service! Turning 50 recently, I switched my car insurance over to APIA. Looking to benefit from lower premiums, what I didn't realise was the true cost of switching. Needing to fix my vehicle after a minor accident, the service I've encountered has been nothing by a disaster. Having to leave my vehicle for days on end for inspection assessment, needing to go to multiple repairers, waiting weeks to have it fixed and having to travel +40 mins to the nearest repair who could do the work. The time and money wasted can't justifies the small cost saving. Their ad says 'I wish that I knew what I know now', too right. Don't use APIA, you pay for what you get. Going back to Coles Car insurance. They are by far a better offering.
I have been with Apia insurance for the past 7 years. Their service is absolutely amazing. If you have an accident they process your claim immediately. They even provide a hire car. While my car was being repaired, l used the hire car for 1 month with no extra charge. Try and beat that.
They were very very helpful and understanding when I first insured my car with them. I am confident that that their helpfulness will continue if I need to contact them. I have not yet had reason to lodge a claim with them.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
About Mozo community reviews
Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.