APIA Car Insurance

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

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

finder.com.au does not currently have access to this car insurance brand. You may wish to compare options available on the car insurance homepage.

What policies does APIA offer?

Comprehensive

APIA’s Comprehensive Car Advantage 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 two 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.

Fire, Theft & Third Party Property Damage

Fire, Theft & 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 locks and keys and for personal property stolen from your car. $20 million 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.

Third Party Property Damage

APIA Third Party Property Damage Car Advantage Insurance provides $20 million 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, while you can also pay your premiums by the month at no extra cost.

APIA car insurance levels of cover

Comprehensive
  • New car replacement after theft for cars under 10 years old
  • New car replacement after total loss for cars less than 2 years old
  • Lifetime guarantee on repairs
  • $20 million legal liability cover
  • Personal property cover
  • Optional roadside assistance
  • 15% discount when you get a quote online
  • Discounted premiums if you drive less than 20,000km per year
  • Pay by the month at no extra cost
  • Fast and easy claims service
Fire, Theft & Third Party Property Damage
  • Covers loss or damage caused by fire, theft and attempted theft
  • Hire car after theft
  • Cover for emergency repairs, towing and storage after fire and theft
  • $20 million legal liability cover
  • $5,000 cover for damage by uninsured drivers
  • Pay by the month at no extra cost
  • 21-day money-back guarantee
  • Fast and easy claims service
Third Party Property Damage
  • $20 million legal liability cover
  • $5,000 cover for damage by uninsured drivers
  • Pay by the month at no extra cost
  • 21-day money-back guarantee
  • Fast and easy claims service

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

What excess will I pay?

The excess is the amount you must pay to contribute towards the total cost of your claim. The following excesses may apply to your APIA Car Advantage Insurance policy:

  • Standard excess. The standard excess amount varies depending on the state or territory in which you live, the type of car you drive, the type of cover you choose and whether the insurer imposes an additional excess.
  • Chosen variable excess. You can select a chosen variable excess of $600 or $1,000 in return for cheaper premiums.
  • Drivers under 25 excess. This excess is payable if someone under 25 years of age was driving or using your car at the time of an incident. This excess amount is $1,500.

Steps to save further on your policy

If you’re looking for ways to save money on your APIA car insurance policy, keep the following tips and discounts in mind:

  • No-claim bonus. A maximum no-claim bonus of 65% is available to drivers who do not make a claim on their policy.
  • Multi-policy discount. If you hold more than one policy with APIA, you may be rewarded with a premium discount.
  • Drive less pay less. If you drive less than 20,000km per year, you will receive a discount off your APIA car insurance premium.
  • Online discount. You can save 15% off your new Comprehensive policy if you get a quote online.
  • Choose a higher variable excess. You can choose to pay a higher excess in return for cheaper premiums.

Making a claim

If you need to make a claim on your APIA Car Advantage 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:

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

Some final questions you may have

No, there is no additional charge for paying your APIA car insurance premiums by the month.

The cooling-off period runs for the first 21 days after you purchase cover.

Yes, you can add the following extra-cost benefits to your policy:

  • 24/7 roadside assistance
  • Windscreen and window glass cover

Yes, the Comprehensive and Fire, Theft & Third Party Property Damage policies provide cover for 21 days of hire car costs after theft.

APIA Car Advantage 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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