APIA car insurance

Take advantage of flexible benefits, a lifetime guarantee on repairs and a range of discounts with APIA's car insurance policies.

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Jessica Prasida

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Key takeaways

  • Comprehensive cover offers new car replacement up to 10 years after theft and lifetime repair guarantee.
  • You can access discounts including a 65% no-claim bonus or 10% off comprehensive online quotes.
  • All APIA policies provide $20 million legal liability cover and no extra cost for monthly payments.

Pros

  • Apia car insurance is restricted to Australians aged 50 and over, with policy features designed for the driving profiles of this specific age group.
  • For stolen vehicles under 10 years old declared a total loss, the policy allows for a new replacement car up to a $40,000 limit.

Cons

  • The policy specifically excludes coverage for any costs associated with the replacement of lost car keys.
  • Special conditions may be applied to the policy that restrict or exclude certain drivers based on their individual driving history or the specific vehicle type.

Australian Pensioners Insurance Agency (APIA) specialises in providing a wide range of insurance options to suit the needs of older Australians. APIA offers 3 car insurance policies to choose from, each of which is issued by AAI Limited and backed by an easy online claims service.

Compare APIA policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Apia logo
9.3 Excellent
Apia Comprehensive
9.3 Excellent
Optional
  • If your car is stolen and less than 10 years old, or written off and less than 2 years old
  • Up to 21 days
    • Discount: Get 10% off your first year’s premium when you purchase comprehensive car insurance online. T&Cs apply.
    Summary: This policy includes lifetime guarantee on repair work authorised by Apia. It also covers you for after claim expenses up to $1,500 if your car is damaged or stolen.

    Who it might be good for: People who drive less than 20,000km per year can benefit from Apia Drive Less Pay Less® discount.
    View details
    Compare product selection
    Apia logo
    9.9 Excellent
    Apia Fire, Theft & Third Party Property Damage Insurance
    9.9 Excellent
  • Up to 21 days
    • View details
    Compare product selection
    Apia logo
    8.3 Great
    Apia Third Party Property Damage Insurance
    8.3 Great
    • View details
    Compare product selection
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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Read the full methodology

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    Why choose Apia car insurance?

    The following features and options are available through Apia car insurance:

    • Tailored for over 50s. Policies are designed specifically for the needs of drivers aged 50 and over, reflecting the typical driving habits and experience of this demographic.
    • After-claim expenses. Comprehensive policies provide up to $1,500 to assist with costs such as emergency travel, accommodation, or transport if the vehicle is stolen or damaged in a covered incident.
    • Legal liability protection. Coverage includes up to $20,000,000 for legal liability if the use of the vehicle causes loss or damage to another person's property.
    • Lifetime repair guarantee. Any repairs authorised by the insurer are guaranteed for as long as the policyholder remains the owner of the vehicle.
    • Uninsured motorist cover. Third-party policies include up to $5,000 for damage to the vehicle caused by an entirely at-fault uninsured driver, provided the other party's details are supplied.

    What isn't covered?

    Your APIA car insurance claim will not be paid if:

    • You enter into an agreement or contract to accept liability.
    • Your car was being driven by someone under the influence of alcohol or drugs.
    • It is caused by the lawful confiscation, repossession or destruction of your car.
    • It is for any structural, mechanical, electrical or electronic failure or breakdown.
    • It arises due to mould, mildew, rust, wear and tear, corrosion or depreciation.
    • Your car was damaged, unsafe or unroadworthy at the time of an incident.
    • It is for consequential losses or extra costs following an incident.
    • Your car was being used to illegally store or transport dangerous goods.
    • It results due to a deliberate or intentional act by you, a member of your family, a person acting with your consent or a person authorised by you to use your car.
    • It results because you were driving your car while damaged after it had been involved in an incident.
    • Your car was being used while exceeding load or passenger limits.
    • You fail to take all reasonable precautions to prevent loss, damage or liability.
    • Your car was being used for hire, fare or reward or as a courtesy car.
    • It is for an incident that occurred outside Australia.
    • It is for intentional loss or damage caused by you or by someone acting with your consent.
    • Your car was being used in any sort of motor sport.
    • It is for an intentional or reckless act (such as burnouts or street racing) by you, the driver of your car or by someone acting with your consent.
    • It is for tyre damage caused by braking, punctures, road cuts or bursting.
    • Your car was being used for an unlawful purpose.
    • Your car was being driven by an unlicensed driver.

    Making a claim

    If you need to make a claim on your APIA car insurance policy, you can lodge your claim 24 hours a day, 7 days a week online or over the phone. You can track the progress of your claim online and the insurer will advise you of any additional information you need to supply.

    You must also keep a few simple tips in mind after an incident and during the claims process:

    1. Take all reasonable steps to prevent any further loss or damage.
    2. Report theft, attempted theft and malicious damage to the police.
    3. Gather the details of any other drivers or witnesses involved in an incident.
    4. Provide any other information or documents the insurer requests to process your claim.

    Some final questions you may have

    APIA car insurance provides a wide range of flexible benefits to Australian drivers. Compare it with policies from a variety of other insurers before deciding whether it has all the cover your vehicle needs.

    Sources

    Jessica Prasida's headshot
    Travel Insurance Expert
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    Jessica Prasida brings a decade of experience in the travel industry, including over four years as a travel agent and branch manager at STA Travel. She holds a Bachelor of Business and a Master of Marketing from the University of Technology, Sydney, as well as a Tier 1 General Insurance qualification that complies with ASIC guidelines. An avid traveller herself, Jessica combines her professional expertise with a passion for ensuring safe and enjoyable journeys for all travellers. Jessica was a Travel Insurance Publisher at Finder from 2019 to 2024. See full bio

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    12 Responses

      Li's avatar
      LiOctober 6, 2025

      can claim vehicles due to mechanical breakdown

        Sarah Megginson's headshotFinder
        SarahOctober 7, 2025Finder

        Hi Li,

        No, standard car insurance policies with Apia Insurance, including Comprehensive cover, don’t cover mechanical breakdown. However you can claim roadside assistance for issues like towing after a breakdown, if you’ve paid for the optional Apia Roadside Assist cover. Hope this helps!

      Erin's avatar
      ErinFebruary 2, 2024

      If my car is registered and insured then runs out of rego is my car still covered by insurance

        Sarah Megginson's headshotFinder
        SarahFebruary 14, 2024Finder

        Hi Erin,

        In regards to compulsory CTP insurance, each state and territory has different laws so it depends where you live. For instance, in Queensland, when you run out of registration your vehicle is still covered for the CTP personal injury insurance on the vehicle for an additional 30 days. However in the ACT, if an accident occurs involving a vehicle that is unregistered, the vehicle will also not be covered by CTP insurance and the driver and owner may ultimately be financially liable for the damages paid to the injured person. In addition, owners and drivers of unregistered vehicles face hefty fines.

        Regarding your own comprehensive or third party damage insurance, most insurers require the car to be registered as part of their policy conditions.

        Hope this helps!

      Sanjeet's avatar
      SanjeetNovember 2, 2023

      Multiple insurance 2 car and a house

      Phil's avatar
      PhilNovember 1, 2022

      I want to insure my vehicle today

        James Martin's headshotFinder
        JamesDecember 4, 2022Finder

        Hi Phil,

        We don’t currently have this brand on our panel. If you’d like to get a policy with APIA, you can head to their website or compare car insurance from a bunch of other insurance companies with Finder.

        Regards,
        James

      Rolf's avatar
      RolfDecember 21, 2018

      Got a 2016 car recently had serious damage if written off will it be replaced under your replacement policy.

        May's avatarFinder
        MayDecember 21, 2018Finder

        Hi Rolf,

        Thanks for getting in touch with finder.

        Sorry to hear about the serious damage of your car. With the comprehensive car insurance offered by APIA , they will replace your car after a total loss if your vehicle is less than 2 years old. I would suggest that you get in touch with them to know more about this claim. Best to revisit your policy as well so you can check whether your level of cover includes car replacement.

        Hope this has helped.

        Cheers,
        May

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