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Competitive Car Insurance

How you could save with Apia Car Insurance:

  • 5% discount when you complete an online quote for a new Comprehensive Car Insurance policy
  • If you're driving less, you could be saving more with Apia's Drive Less Pay Less™ discount on comprehensive car insurance
  • No additional costs for paying instalments by month or quarter


Apia’s Comprehensive Car Insurance policy covers for accidental loss or damage, fire, theft or attempted theft, malicious damage or storm damage to your car. It also includes cover for your legal liability to other people’s property caused by your car up to $20 million inclusive of legal costs.

Comprehensive Car Insurance Benefits:

  • Pay less for Comprehensive Car Insurance when you get an online quote for a new policy
  • Get a discount on your premium if you drive less than 20,000 km per year
  • Lifetime guarantee on authorised repairers work
  • Pay by instalments at no additional cost
  • Cover of up to $1,000 for personal items stolen from the car or damaged in an accident
  • If your car is stolen and not recovered and is less than 10 years old, we'll replace it
  • Maximum no-claims bonus/Rating 1 maintained for life if you remain claim free for 3 consecutive years, or you already hold one with your current insurer. This means you will not lose this even if you are responsible for the accident

Third Party Fire & Theft Car Insurance Benefits:

  • Loss or damage to your car (up to agreed value) as a result of fire, lightning, explosion or theft
  • Up to $5000 or market value, whichever is less for damage cause to your car by uninsured third parties, including any towing costs
  • We pay the daily hire costs for up to 21 days if your car is stolen
  • Help with the cost of expenses to get home following loss or damage to your car covered by this policy

Third Party Benefits:

  • Legal liability (up to $20 million)
  • Up to $5,000 or market value, whichever is less for damage caused to your car by uninsured third parties, including any towing costs

Competitive Car Insurance

Get a quote online & save 5%

For further information regarding these benefits and the conditions and exclusions that apply please refer to the PDS below.

Product Disclosure Statement


Car Insurance

...I've insured my second car with Apia now too, because I found the service very good and they really seem to approach the over 50's well I think

          Allan, Apia customer


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*Awarded by Engaged Marketing, 2013 ‘Property Insurance Consumer Recommendation and Loyalty Study'. Underwriting criteria applies. Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car, Caravan, Motorhome, Boat, Travel and Compulsory Third Party Personal Injury (CTP) Insurance. Before purchase, consider the PDS on this website. Apia is also an authorised representative of Suncorp Life & Superannuation Limited (SLSL) ABN 87 073 979 530 AFSL 229880, the issuer of Funeral and Injury Insurance. Apia, AAI and SLSL are members of the Suncorp Group of companies.