What happens if I miss my monthly instalment payment?

If you miss a monthly instalment you can make a one off payment via your Apia Online Services online account. To make a one off payment, follow the below steps: Log into Apia Online Services Select the “Policies” button Select the relevant policy from your policy list If you’re eligible to make a manual payment, click the “Pay now” button which will appear at the top of the Policy Summary screen. If you’re not able to make a payment the box will not appear. You will be able check and update your direct debit or card details with us following your successful payment. You can also update your payment details when you log into Apia Online Services at any time, accessible via the Policy Summary screen. If a monthly instalment is overdue we will let you know. We can cancel your policy by giving you at least 14 days advance notice, but if a monthly instalment is overdue by a month, we can cancel your policy without advance notice. Log in to My Account

Payments FAQs

Whether you need help logging into your online account or information on how to make a payment, you'll find many of your questions answered here. If you can't find the answer you're looking for, please contact us.

For Apia insurance policies that can be renewed online, you can pay via our Secure Online Payment portal using Visa, MasterCard or American Express.

You can use Visa, MasterCard or American Express when paying your policy renewal online.

For information on other ways to pay, please refer to our Renewal page.

Please note that online renewal is not available for certain products. To further discuss your renewal options, contact us.

Your Apia Insurance policy certificate will tell you when your premiums are due. Alternatively, you can login to Apia Online Services to find out.

If you don’t receive a confirmation of payment immediately when you pay online, wait 1-3 days as your payment could be delayed due to public holidays or the weekend.

If after that time nothing has changed, get in touch with your bank to make sure everything is okay with your account and that it hasn’t expired. Your bank may also take a couple of days to register the payment, but if there’s nothing wrong with your account please contact us and we’ll look into it for you.

If a monthly instalment is overdue we will let you know. We can cancel your policy by giving you at least 14 days advance notice, but if a monthly instalment is overdue by a month, we can cancel your policy without advance notice.

You can pay for your insurance online using your American Express, MasterCard or Visa Card or by direct debit from your bank account. We have a range of payment options to suit your needs.

You can make a secure credit card payment using our automated credit card payment system by calling 1300 064 781.

Your Payment Reference number appears in the Payment Slip section of your notice.

You can use the Automated Payment Phone line to pay for all your Insurance Products excluding Health, Funeral, CTP and MAI Insurance policies.

You can pay using Visa, American Express and Mastercard.

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

Apia only offers 12-month insurance policy terms.

We understand that this can be a tough time for our customers. If your policy is up for renewal and you’re experiencing financial difficulty, please call 13 50 50 to see if we might be able to help.