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Apia's Multi-Policy Discount*.
Grab a 10% discount* off your premium for having two or more eligible policies with Apia.
Get a quote or find out more about our multi-policy discount*.

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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

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Looking for something else

Because we know experience matters

For over 30 years, Apia has been providing a range of great value products and services to Aussies over 50. We believe experience should be rewarded and that's why we strive to offer more choice, affordability and benefits important to you.

These days, we're helping over 700,000 customers protect what matters most, from your home to your health, with a great range of insurance to suit your lifestyle and budget.

Our insurance products

Car & Vehicle

  1. Comprehensive Car
  2. Third Party
  3. ACT MAI Insurance
  4. NSW CTP Green Slip
  5. All Car Insurance

House & Property

  1. Home & Contents
  2. Apartment
  3. Landlord
  4. All Home Insurance

Other types of Insurance

  1. Health
  2. Travel
  3. Funeral

Ways to save

Ways to save on your Home and Car Insurance Premium

Online Discounts*
Save on Home & Contents Insurance or Comprehensive Car Insurance when you buy online

Flexible payments
Pay by the month at no extra cost

Multi-policy discount*
Grab a 10% discount off your premium for having two or more eligible policies with Apia

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

Learn ways to save

Choose the Good Life

We know the more you live life, the better you get at it.

We've put together the latest news, information and benefits that we think you'll love – and best of all, it's free.

Visit Apia Good Life

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A reward for Apia customers 

Start saving at over 100 retailers today with Suncorp Benefits

We know everyone loves a saving! As Apia is part of the Suncorp Network, eligible customers have access to join Suncorp Benefits - to enjoy savings of up to 15% on eGift Cards for everyday items at over 100 retailers. 

Find out more

Supporting our customers through COVID-19
We know these are challenging times. We at Apia are here to support you.

Find out more

Service you can trust

Here to help

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

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

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

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*If you are eligible for 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 (if available).​

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.​

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 (if available). ​

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

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Cookie and Data Policy
 We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how Apia collects and uses data related to your online activity, and how you can choose to remain anonymous.

AAI Limited
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, Motorcycle, Caravan, Motorhome, Boat, Travel, Compulsory Third Party Personal Injury (CTP) Insurance and Motor Accident Injuries Insurance (MAI Insurance). Registered Office: Level 28, 266 George Street, Brisbane QLD 4000.
You should read and consider the Product Disclosure Statement (and any related documents) on this website before making any decisions about general insurance. Any advice provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.

Health Insurance
Apia Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.

Life Products
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct).

Funeral Insurance
Apia Funeral Insurance is issued by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life), which are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies use the Apia brand under license. TAL companies are not part of the Suncorp Group. TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct) has been authorised under an arrangement with the insurers to enter into, vary or cancel insurance cover and manage, administer and settle claims on behalf of the insurer as if it were the insurer.
Asteron and TAL Life support and adhere to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email info@fsc.org.au or visit www.fsc.org.au.

Rewards and Recognition
The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator's privacy policy.