Car Insurance FAQs

An Excess is the amount you pay towards the cost of your claim for each incident covered by your policy. You may have to pay more than one type of excess.

We will either:

• Arrange the repair of your vehicle through one of our preferred repairers. 
• If one of our preferred repairers cannot complete the repair or replace the damaged parts of your car, we will pay you the amount of the assessed quote from one of your repairers.

1. Make sure everyone is safe. For emergencies call 000.
2. Try to prevent further loss or damage.
3. 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.
4. 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.
5. 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 can get a quote for Apia Car Insurance online. Visit the Apia homepage and click ‘Get a quote’, then follow the prompts.

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.

No, Apia does not offer cover notes (a temporary insurance that provides cover between signing up for a new policy and making the initial premium payment). When you commence cover with an Apia Car Insurance policy, you can pay through a number of convenient options, including online, via BPAY, in person, and by mail. Discover our full list of payment method options.

Apia also offers a 21-day cooling off period on our Comprehensive Car Insurance.

This means that when you sign up for a new Comprehensive Car Insurance policy, you’ll have 21 days to cancel your policy, if you choose to, and get a full refund (as long as you haven’t made any claims in that time).

If you miss a monthly instalment you can make a one off payment via your Apia Online Services online account.

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

You can add or remove the listed drivers on your policy at any time online. Simply log in to your Apia Online Services account, select your policy from the list of policies available then choose the 'Update policy' option. Select 'Listed Drivers' under the 'Update my policy' heading to update details.

If your policy is due for renewal, you can still update your details through Apia Online Services account. Once logged in, select your policy up for renewal and then choose the 'Renew Policy' option. From there, update 'Listed Drivers' under the 'Listed Drivers' heading.

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.

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

You can change the parking address on your car insurance quickly and easily online.

Simply log in to Apia Online Services account, select your policy from the list of policies available then select the 'Update policy' option. Choose 'Parking address' under the 'Update my policy' heading to update details.

If your policy is due for renewal, the process is a little different. After you log into Apia Online Services account, select your policy up for renewal and then choose the 'Renew Policy' option. You'll see an option to update your 'Parking address' under the 'Your Policy details' heading.

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.

If you’re driving substantially less than what you stated on your policy, maybe because you’re working from home, this may potentially reduce your premium. Please get in touch with us to discuss your options. It’s important to remember to update your policy once you start driving more again.