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.
APIA's Comprehensive Car Insurance protects your car against accidental loss or damage caused by collisions, fire, theft, storms, floods and malicious damage. This includes new car replacement if your car is less than 2 years old and a total loss, as well as new car replacement after theft for cars less than 10 years old. A lifetime guarantee is included on all authorised repairs, while $20 million of legal liability cover is provided in case the use of your car causes damage to someone else's car or property.
The Fire, Theft and Third Party Property Damage insurance from APIA is designed to provide protection for your car against fire, theft and attempted theft. This includes cover for emergency accommodation and for personal property stolen from your car, $20,000,000 of legal liability cover is provided in case the use of your car causes damage to someone else's car or property, as is $5,000 cover for damage caused by an uninsured motorist.
APIA Third Party Property Damage insurance provides $20,000,000 of legal liability cover when your car causes damage to someone else's car or property. $5,000 cover for damage caused by an uninsured motorist is also included. You can also pay your premiums by the month at no extra cost.
Your APIA car insurance claim will not be paid if:
If you're looking for ways to save money on your APIA car insurance policy, keep the following tips and discounts in mind:
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:
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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.
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If my car is registered and insured then runs out of rego is my car still covered by insurance
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!
Multiple insurance 2 car and a house
Hi Sanjeet,
If you’re looking for a quote then you’ll need to get in touch with APIA via its website: https://www.apia.com.au/car-insurance.html
Hope this helps.
I want to insure my vehicle today
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
Got a 2016 car recently had serious damage if written off will it be replaced under your replacement policy.
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
do you have road side assistant
Hi Sammy,
Thank you for your question.
APIA car insurance can add roadside assistance to your comprehensive policy by adding $7.00 a month. Hope this helps!
Cheers,
Reggie