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Car Insurance

Choose award-winning comprehensive car insurance

Choose from our award-winning insurance options

Comprehensive Car Insurance

Insures your car against events such as theft, loss, fire, storms and malicious damage. Receive great discounts if you drive less and/or apply for a quote online for a new comprehensive car insurance policy.

Smart ways to save $
  • 15% discount^ when you request a quote for a new comprehensive car insurance policy online
  • Discount on your premium if you drive less than 20,000 km per year
  • Pay monthly or quarterly at no extra cost

Apia Comprehensive Car cover features:

  • Lifetime guarantee on repair work authorised by us
  • Up to $1,000 personal items stolen or damaged in an accident
  • We'll replace your car if it's stolen, not recovered and is less than 10 years old
  • No-claim bonus maintained for life if you remain claim free on Rating 1 for three consecutive years with Apia, or with your current insurer and switch to Apia
  • Up to $20 million Legal liability for damage caused by your car

Add any of these optional benefits to your cover

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
  • No extra joining fee
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.

What our customers say


I just can't have enough praise and admiration for what you've done for us, it's just been absolutely fantastic.

Graeme, Apia Customer

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 50s well I think.

Allan, Apia Customer

One call and they organised everything, including a tow truck and a taxi ordered to take me home. My car was fixed perfectly.

Christine, Apia Customer