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Car Insurance

At Apia we understand that you’re a more experienced driver than many younger people and your different driving habits make you less of a risk.

This means we can offer you a great level of cover, a fast and efficient claims service, all at a competitive price. Once you have experienced being with Apia you won't want to insure any other way.

Apia offers three types of car insurance covers:
 

Comprehensive Car Insurance

Chances are you’re busier than ever, so you really need good cover for your car. Apia Car Insurance is designed to make you feel confident you’re being looked after. It provides you with cover for loss or damage to your car up to the value of your car (market or agreed value at the time of loss).

Even more rewarding.  Apia has introduced some great, new, class leading features to its Comprehensive Car Insurance that really rewards you.  For instance our New for Old feature means that if you car is stolen and is up to 10 years old, then we will replace it with a brand new one.  No other insurer offers this type of benefit.
 
Click on ‘Get a quote’ at the top of this page to find out how we compare or call 13 50 50 to speak with our award winning customer service team.  

Other great benefits include:

  • Maximum no-claims bonus maintained for life
  • No fault, no excess if you have the details of the person at fault
  • Choice of agreed value or market value
  • Cover of up to $20 million for legal liability
  • Cover of up to $750 for personal items that are stolen from or damaged in your car
  • New car replacement for cars up to 2 years old, including a hybrid option
  • Reasonable towing costs for your car
  • Get home expenses after an accident
  • Hire car of a similar car for up to 21 days if your car is stolen
  • Cover of up to $1000 for a domestic trailer attached to your car at the time of loss
  • Lifetime guarantee on authorised repairers work

Third party fire and theft car insurance

Because you've lived a little, you know that accidents can happen to anyone.

So this policy covers you for the following:

  • Legal liability (up to $20 million)
  • Loss or damage to your car (up to an agreed value) as a result of fire, lightning, explosion or theft.

Other great benefits include:

  • Damage to your car caused by uninsured third parties
  • Reasonable towing costs for your car
  • Get home expenses
  • Hire of a similar car for up to 21 days if your car is stolen

Third party only (legal liability)

You know as well as the next person that accidents could be caused by anyone. So this policy covers you for the following:

  • Legal liability (up to $20 million)
  • Damage caused by uninsured third parties, including any towing costs.

Benefits subject to Product Disclosure Statement terms and conditions.

Car Insurance Product Disclosure Statement

Man with car

If you have home insurance with Apia, of course you get a discount on your car insurance. 

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Apia insurance, specialist in Home Insurance, Landlord insurance, Car Insurance, Caravan Insurance, Motorhome Insurance, Boat Insurance and Travel Insurance for people over 50 who are working less and living more. Insurance issued by Australian Alliance Insurance Company Limited (AAI) ABN 11 006 471 709 AFS Licence No. 235011.

Australian Pensioners Insurance Agency Pty Limited ABN 14 099 650 996 acts as agent and authorised representative of AAI.