Car Insurance

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The go-to insurance for over 50s and retirees

Award winning insurance

Voted Australia’s 2023 Gold Quality Service Award Winner for Car Insurance.

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Experience you can trust

Apia has offered great value insurance products to Aussie seniors and retirees for over 30 years.

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Ways to save

Enjoy flexible payment options and save on your policy with our Work Less Pay Less® discount*, Multi-policy discount* and Online discount*.

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Claim anytime

We’re here when you need us most.
Get in touch 24/7 if you need to make a claim.

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Comprehensive Car Insurance

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First Year Online Discount*

Apia's Car Advantage Comprehensive cover can insure your car against accidental loss or damage including theft, impact, fire, storms and malicious damage.

Features

Up to $1,500 for After Claim Expenses when your car is stolen or damaged in an incident
Your legal liability to pay compensation for loss or damage to another person's vehicle or property caused by your use of your car up to $20 million
Lifetime guarantee on repair work authorised by us
Apia Drive Less Pay Less® discount if you travel under 20,000km per year*

Optional Covers

For an additional premium you can include:

24/7 Roadside Assist with unlimited callouts

Windscreen and Window Glass cover

Hire Car after an event for unlimited days

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Limits, exclusions and conditions apply, please refer to the PDS for full details.

Third Party Property Damage Insurance

Third Party Property Insurance protects you for legal liability up to $20 million. You'll also be covered up to $5,000 for damage to your car by an at fault uninsured driver if you can provide us the name and address of the person at fault and the registration number of the at fault vehicle.

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Fire, Theft & Third Party Property Damage Insurance

Fire, Theft & Third Party Insurance provides you with Third Party Insurance cover up to $20 million legal liability, as well as cover for your own car in the case of fire, theft or attempted theft.

You'll also be covered up to $5,000 for damage to your car by an at fault uninsured driver if you can provide us the name and address of the person at fault and the registration number of the at fault vehicle.

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SUBMITTING YOUR CLAIM

Easy Claims Process

Lodge a claim 24/7

Lodge your claim and receive a claim number instantly. Repairs may also be booked instantly in some cases.

Assessment

We'll assist you in arranging the assessment and repair process for your vehicle.

Track your claim

Track the progress of your claim online at any time.

Finalise your claim

We'll let you know once your car is ready to collect or settle your claim (as applicable).

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For more information on how we manage your claim, please read the PDS.

^*If you receive more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). The discounts we offer are subject to change.

Online discount is only available for new, eligible policies purchased online and will be applied upon purchase and subtracted from the premium. Online discount is not available with any other offers and does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist.

Multi-policy discount (MPD) rewards you with a discount off your premium for holding two or more eligible paid Apia general insurance policies. There must be a common mailing address and the person(s) seeking the discount must be nominated as an insured with the same name on each eligible policy. If you take out a new policy and then qualify for the MPD, you are eligible to receive the discount on that new policy immediately and on your other existing eligible policies from their next renewal date, provided you still qualify. If you become eligible for the MPD around the time your other policies are due for renewal, the MPD may not have been applied to the renewing policies because the renewals were generated before you were eligible for MPD. Please contact us if you believe you are eligible for the MPD on your renewal but it is not shown on your certificate of insurance. See full terms and conditions.

Eligible policies that qualify for the MPD are Apia: home, contents, landlord, car, motorcycle, boat, caravan and motorhome insurance. To find out more about the multi-policy discount please phone us on 13 50 50.

MPD does not apply to optional covers Personal valuables – unspecified items, Personal valuables – specified items, Apia Home Assist, Excess-free Glass cover or Apia Roadside Assist.

Drive Less Pay Less discount does not apply to optional covers Apia Roadside Assist and Windscreen and window glass cover.

Work Less Pay Less® discount does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist.

Optional cover benefits are subject to the terms, conditions, limits and exclusions of the insurance policy. You can’t add optional cover after an incident and have damage or loss covered for that same event optional covers must be added to your policy before the incident you’re claiming for. Please refer to the PDS for more information.