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.
We don't currently have this brand on our panel. But don't fret! You can head to the APIA website or compare car insurance from a bunch of other insurance companies with Finder.
What policies does APIA offer?
Comprehensive
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.
Fire, Theft and Third Party Property Damage
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 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 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. You can also pay your premiums by the month at no extra cost.
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
10% 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
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
$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.
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 1 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 10% 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 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.
Why you can trust Finder's car insurance experts
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
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 and Third Party Property Damage policies provide cover for 21 days of hire car costs after theft.
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.
Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification.
A growing number of Australians are taking advice on how to spend, save and invest their money from online personalities, according to new research by Finder.
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.
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.
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.
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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