How do I update my Apia Car Insurance policy?

Apia Online Services is the place to go to update or manage your Apia Car Insurance policy. Once you’ve registered online, you’ll be able to: View your policy details; Get instant access to policy documents; Upload documents for a claim; Update your policy; Track your claim; Book appointments related to your claim, and more. If you have trouble logging on or have forgotten your password, learn more . Apia Online Services video tutorials explain how to get the most out of your account.

I've had a car accident. What do I do?

Make sure everyone is safe. For emergencies call 000. Try to prevent further loss or damage. Report the incident to the authorities. If someone is injured or has stolen, attempted to steal or maliciously damaged your car, call the police immediately and record the time, date, report number and the name of the recording officer. Collect details of all drivers, passengers and witnesses. You will need these when you call us. Make sure you have their full names, addresses and contact numbers. If another vehicle is involved, record its registration number and the driver’s insurance details. Do not admit fault to anyone. Contact us as soon as possible. Make sure you have the details of the incident at hand to assist us with lodging your claim. If towing is required, we will help arrange the towing of your car to a location we nominate for assessment.

Comprehensive Car Insurance

Apia Drive Less Pay Less®*
No Claim Bonus*
Flexible Payment Options

Get a quote online Retrieve a quote

Save 10%
First Year Online Discount*

Make a claim

Renew & Pay

Manage your policy online

What does Apia Comprehensive Car Insurance cover?

Helps protect your car against accidental loss or damage including theft, fire, storms and malicious damage. Save on your premium for travelling under 20,000km with Apia Drive less Pay Less® discount*. Apply for a quote online for a new comprehensive car insurance policy and also receive our online discount*.

Apia Comprehensive Car policy features:

Lifetime guarantee on repair work authorised by us
Apia Drive Less Pay Less® discount* if you travel under 20,000km per year
If your car is stolen or damaged in an incident covered by your policy we will cover you for reasonable after claim expenses up to $1500.
We'll replace your car with a new one if it's stolen, less than 10 years old and you bought the vehicle new ($40,000 limit, Ts&Cs apply)
Up to $20 million Legal liability for damage caused by your car
Select the vehicle value that is right for you, by choosing an amount covered within the given range

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

Get a quote online

For an extra premium, you can choose to add optional covers to your existing policy, contact us.

Your optional covers for Comprehensive Car Insurance

Apia Roadside Assist

Whether it’s a flat tyre or a breakdown, if you can't get started, we'll get your car back on the road.

24/7 support
Unlimited callouts (terms and conditions apply)

Less than $7 a month

Learn more

Windscreen and Window glass cover

Add this option for one excess-free repair or replacement of your car's windscreen or window glass, in each period of insurance.

Hire Car after an event for unlimited days

Add this option for a hire car that is a similar make and model to your car following an incident covered by your policy, if your car is damaged and cannot be safely driven, is being repaired or has been stolen. We will arrange and pay the reasonable cost of a hire car up to $90 per day up until we settle your claim or your car is returned undamaged or we have repaired it and returned it to you.

Policy Documents

For full details of what is and isn't covered please refer to the relevant Product Disclosure Statement (PDS)

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WAYS TO SAVE

Ways to save on your premium

Online Discount*
Save 10% First Year Online Discount*

Flexible payments
Choose to pay by instalments or annually

Apia Drive Less Pay Less® Discount*
Save on your premium if you drive less than 20,000 km per year

Work Less Pay Less® Discount*
Save on your premium if one or more policy holders works less than 37 hours per week

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Comprehensive Car Faqs

Apia Online Services is the place to go to update or manage your Apia Car Insurance policy.

Apia Online Services video tutorials explain how to get the most out of your account.

Make sure everyone is safe. For emergencies call 000.
Try to prevent further loss or damage.
Report the incident to the authorities. If someone is injured or has stolen, attempted to steal or maliciously damaged your car, call the police immediately and record the time, date, report number and the name of the recording officer.
Collect details of all drivers, passengers and witnesses. You will need these when you call us. Make sure you have their full names, addresses and contact numbers. If another vehicle is involved, record its registration number and the driver’s insurance details. Do not admit fault to anyone.
Contact us as soon as possible. Make sure you have the details of the incident at hand to assist us with lodging your claim. If towing is required, we will help arrange the towing of your car to a location we nominate for assessment.

You must list all people who are going to drive your car regularly on your insurance policy. If you're not sure, it's best to list them.

Your amount covered – that is, the amount you insure your car for – should generally be the amount it would cost you to replace your car with something similar after an incident covered by your policy.

It’s important to review your amount covered when you renew your policy, as your car’s value is likely to have changed. You could try looking at car sales websites to see how much yours might go for. Doing so may help you avoid being under or overinsured.

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For insurance advice or help with a quote, contact us for a chat.

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^*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.

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

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

No Claim Bonus does not apply to optional covers Apia Roadside Assist, Windscreen and window glass cover, Contents cover, Personal valuables – unspecified items, Personal valuables –specified items, Annexe cover, Hire use cover.