Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

Australia's leading over 50s insurance specialist

  • Pay by the month at no extra cost
  • Chat with someone who takes the time to understand you
  • 24/7 claims service

or are you

Looking for something else


Other types of Insurance

  1. Health
  2. Funeral

Take control with Apia

Ways to save on your Home and Car Insurance Premium

Work Less Pay Less® Discount*
Save on your premium if one or more policy holders works less than 37 hours per week

Multi-policy Discount*
A 10% discount* off your premium for holding two or more eligible policies (includes combined home & contents policies)

Online Discount*
Save when you quote and buy your Home Insurance or Comprehensive Car Insurance online

Make the switch to Apia today

We've made it quick and simple to switch to Apia for your insurance needs.

Search Icon SVG

Research our range of insurance products to find the right cover for you.

Quote Icon SVG

Get a quote and buy online to save up to 10%* off your premium.

Device Icon SVG Icon

Register for Online Services to view and manage your eligible policies online^.

Make the switch

Australian Pensioners Insurance Agency Pty Ltd ABN 14 099 650 996 is an authorised representative of AAI Limited ABN 48 005 297 807, the product issuer. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, consider whether it is appropriate for you before acting on it.  Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.

^Apia's Online Services are not available, or not fully available, for all of Apia branded products, policy types or claim types. See Apia's Online Terms for further information.

Service you can trust

Here to help

For insurance advice or help with a quote, contact us for a chat.

Contact us

Need to make a claim?
We're available 24/7.

Claim now

We're here to make experience matter for Aussies over 50.

Read more

*If you receive more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). The discounts we offer are subject to change.

Online discount is only available for new, eligible policies purchased online and will be applied upon purchase and subtracted from the premium. Online discount is not available with any other offers and does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist.​

Multi-policy discount (MPD) rewards you with a discount off your premium for holding two or more eligible paid Apia general insurance policies. There must be a common mailing address and the person(s) seeking the discount must be nominated as an insured with the same name on each eligible policy. If you take out a new policy and then qualify for the MPD, you are eligible to receive the discount on that new policy immediately and on your other existing eligible policies from their next renewal date, provided you still qualify. If you become eligible around the time of policy renewal and the discount is not shown on your certificate of insurance, please contact us as the MPD may not have been applied to the renewing policies.​ See full terms and conditions.

Eligible policies that qualify for the MPD are Apia: home, contents, landlord, car, motorcycle, boat, caravan and motorhome insurance. To find out more about the multi-policy discount please phone us on 13 50 50.​

MPD does not apply to optional covers Personal valuables – unspecified items, Personal valuables – specified items, Apia Home Assist, Excess-free Glass cover or Apia Roadside Assist. ​

Work Less Pay Less® discount does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist.

Does not apply to Apia CTP, MAI and Funeral Insurance.