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Apia Car Insurance

Apia is a popular insurer for the over 50s, offering car insurance policies for older Australians. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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Apia, a part of the Suncorp Network, is a well-established insurance provider that specialises in insurance policies for the over 50s. For more than 30 years, it has provided a wide range of insurance options to older Australians, including a choice of car insurance policies.

In this review, we look at Apia’s car insurance products so you can understand your options. Find out what is and isn’t covered and any optional extras you can add today!

Disclaimer: all coverage offered by Apia is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Apia if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Apia for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through Apia?

Apia offers the following types of car insurance to Australian drivers:

Comprehensive Car Insurance

Comprehensive car insurance offers the most extensive list of inclusions among the different types of cover. This may offer you greater peace of mind on the road, but it’s important to note that these policies also tend to be the most expensive. Apia’s Comprehensive Car Insurance offers the following inclusions:

  • Protection against accidental loss or damage to your car (e.g. hail, storm, fire, theft or collision)
  • Legal liability up to $20 million for damage to other people’s property resulting from any one incident
  • Replacement of your car with a new one of the same make and model in the event of theft, for vehicles less than 10 years old
  • Replacement of your car with a new one if it is stolen or damaged and deemed a total loss, if the car is less than 2 years old
  • Accidental loss or damage to your trailer, up to $2,000 for any single incident
  • Emergency repairs to make your car roadworthy, emergency accommodation if your car is not drivable and you are over 100km from home, and accidental loss or damage to personal property in the car at the time of the incident, up to $1,500 for any single incident
  • Transport costs if your car is stolen or damaged in a covered incident and is not drivable, up to $500 for any one incident
  • After theft, a hire car or reimbursement for alternative transport for up to 21 days
  • A hire car or reimbursement if your car is damaged in an incident where it cannot be driven safely or is undergoing repairs, until your car is repaired or claim settled
  • The cost of towing and storing your damaged car, limited to one tow per incident
  • The cost of replacing stolen or damaged baby capsules and/or child seats, up to $750 for any one incident
  • Transport costs for a covered incident, including from the scene of the incident to your destination, to and from the repairer, and to and from a hire car provider, up to $250 per incident
  • Damage to your car caused by an uninsured driver if the driver was at fault and you provide their details, with a limit of $5,000 for repair costs
  • $5,000 payment to your estate if your death occurs within 12 months as a result of an injury caused by an incident covered by your policy
  • Laid-up cover for your car while it is not in use and located at your address or a professional garage or workshop
Fire, Theft & Third Party Property Damage Insurance

This type of cover is the next step down from comprehensive, covering damage sustained due to theft and fire, as well as damage to other vehicles and property. Apia’s policy offers the following inclusions:

  • Protection against accidental loss or damage to your car caused by fire and theft
  • Coverage of up to $20 million for damage to other people’s property arising from legal liability
  • Emergency repairs, accommodation and personal property damage, up to $1,500 per incident
  • Transportation costs when your car is not drivable, up to $500 per incident
  • The cost of a hire car or alternative transport after theft of your car, up to 21 days
  • The cost of a hire car or alternative transport if your car is damaged in an incident covered by your policy, cannot be driven safely and you were not at fault
  • The reasonable cost of towing your car and storing it if it is damaged in an incident covered by your policy, limited to one tow
  • The cost of replacing stolen or damaged baby capsules and/or child seats, up to $750
  • Transport costs from the incident scene to your destination, to and from the car repairer, and to and from a hire car provider if your car is not drivable, up to $250
  • Damage to your car caused by an uninsured driver, up to $5,000
  • Laid-up cover if you car is not in use at your address or a professional garage or workshop
Third Party Property Damage Insurance

The most basic form of optional car insurance in Australia, third party property damage insurance is designed to cover damage caused to other people’s property by your vehicle, but not to your own vehicle. Apia’s policy offers the following inclusions:

  • Coverage for up to $20 million for damage to other people's property in any single incident
  • Hire car after a not-at-fault incident caused by an uninsured driver, covering the reasonable cost, if your car is damaged and cannot be driven
  • One tow from the incident scene and storage costs for your car if it is not roadworthy or safe to drive
  • Transport costs from the incident scene to your destination, to and from the repairer, and to and from a hire car provider, up to $250 per incident, in an incident caused by an uninsured driver
  • Damage caused by an uninsured driver, up to $5,000 per incident for repair costs
Compulsory Third Party Insurance

In Australia, all cars are legally required to have Compulsory Third Party (CTP) insurance.

Apia is a CTP provider in New South Wales, where the cover is known as a Green Slip. This insurance:

  • Provides protection against liability for injuries caused to others in a motor accident
  • Covers medical expenses
  • Provides weekly payments for lost income for up to 12 months should be injured in an accident you caused

Apia also provides Motor Accident Injuries (MAI) insurance in the Australian Capital Territory, which covers injury to drivers and other road users in the event of a motor vehicle accident. Regardless of who is at fault, you may be entitled to:

  • Treatment
  • Care
  • Lost income benefits

Are there any optional extras available through Apia?

Yes – Apia offers several optional extras on its Comprehensive Car Insurance plan:

  • Windscreen and window glass cover
  • Hire car after an event for unlimited days
  • Apia Roadside Assist

What are some of the pros and cons of buying car insurance through Apia?

  • Lifetime guarantee on repairs: Apia guarantees the quality of repair work carried out on your car for as long as you own it.
  • Discounts for driving less: save on your premium if you drive less than 20,000km a year.
  • Laid-up cover: if you are not driving your car, you can opt for laid-up cover to protect it while it is off the road.
  • Age limits: you can only take out insurance with Apia if you are 50 years or older.
  • High excess costs for under-25s: any drivers of your car under the age of 25 will be subject to an excess of $1,500 (correct as of July 2023).

Common questions about Apia car insurance

Can I get insurance with Apia if I am under 50 years old?

No – if you are under 50, Apia is unable to offer you insurance. However, you may be able to list additional drivers on your policy who are under 50, as long as you as the main policyholder are age 50 or above.

Can I get any discounts with Apia car insurance?

There are a number of ways you can save on your premium with Apia:

  • Online discount
  • Multi-policy discount – 10% off if you have two or more policies
  • Work Less Pay Less discount – if one or more policyholders works less than 37 hours a week
  • Drive Less Pay Less discount – if you drive less than 20,000 km a year
  • No-claim bonus
  • Higher excess for lower premiums
What is laid-up cover?

Laid-up cover covers your vehicle if it is being stored and not used on the road – for example, if you have a car that is being restored or repaired. It can provide protection against risks like fire, theft, vandalism and accidental damage while the vehicle is off the road. Apia’s laid-up cover will cover your car while it is not in use and is located at your address or a professional garage or workshop.

How do I make a claim with Apia?

Policyholders have several ways to submit claims:

  • Online: available 24/7, quickly and easily submit claims, upload photos and documents and track progress
  • By phone: lodge claims 24/7 using Apia’s dedicated phone line
  • Suncorp Insurance App: lodge a claim, record details and track claims from start to finish

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