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5 ways to save on over 50s comprehensive car insurance


More experienced drivers may be rewarded for good driving habits – for example, Apia offers a no claim bonus* for Comprehensive Car Insurance customers . But a driver’s age can also affect premiums. As such, it’s difficult to predict what your premium may be at renewal time, or to know you’re getting the right deal for you.

‘The key thing,’ Apia Portfolio Advisor Andrew Prestage says, ‘is to make sure everything on your policy is accurate. If your policy hasn’t been checked for a while, it might not reflect life changes that have happened. You might be working less, have paid out the finance on your car or be driving less. Some of these things can make a difference to your premium.’

Here’s what you need to know to save on over 50s comprehensive car insurance.

1. Buy your car insurance online

Some insurers will reward you for buying your car insurance online, and Apia is one of them. If you’re a new customer, and you get a quote for a Comprehensive Car Insurance policy and then purchase it online, you’ll save 5% on your premium*.

Discover Comprehensive Car Insurance

And the best part? If you’re eligible for more than one discount with Apia, we’ll likely apply any extra discount to your already reduced premium!

2. Save with a multi-policy discount*

If you’re in the market for Car Insurance and, say, Home and Contents Insurance, you could combine your policies and save 10% off each with Apia. We call this our multi-policy discount*. Check out our Additional Information Guide for more info.

3. Be a safe driver

If you pride yourself on your safe driving, you could save money on your car insurance policy with a no claim bonus*. For each consecutive year in which you choose Apia’s Comprehensive Car Insurance and don’t make a claim for an at-fault accident, you could earn a discount of up to 65% off your policy.

4. Increase your excess

Opting for a flexible excess on your car insurance policy will likely reduce your premium. Andrew says, ‘A great way to save on your Apia car insurance is to select a flexible excess. Selecting a higher excess can reduce your premium, which is great for safe drivers.’

As Andrew suggests, this could be an easy way to save on your cover upfront but it’s worth considering whether it’s the best option for you. Should you ever need to make a claim, a higher excess means you’ll need to pay more for it.

5. Drive less

Reducing the amount you drive, if it’s practical, may be a sure-fire way to reduce your premium. ‘A lot of Apia customers find they don’t use their car as much as they once did,’ Andrew said. ‘Customers with Apia’s Comprehensive Car Insurance who drive less than 20,000 km per year could benefit from our Drive Less, Pay Less discount*.

More ways to save

Apia is part of the Suncorp Network, so eligible customers can take advantage of Suncorp Benefits. Save up to 15% off eGift Cards from over 100 retailers like JB Hi-Fi, Myer and Woolworths. Simply download the Suncorp App.

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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). ​

Drive Less Pay Less discount does not apply to optional covers Apia Roadside Assist and Windscreen and window glass cover (if available). 

No Claims Bonus does not apply to optional covers Apia Roadside Assist, Windscreen and window glass cover, Contents cover, Personal valuables – unspecified items, Personal valuables –specified items, Annexe cover, Hire use cover (if available). 

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 & Compulsory Third Party Personal Injury (CTP) Insurance.

Please consider the Product Disclosure Statement before buying this insurance.

This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

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