Car Insurance

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The go-to insurance for over 50s and retirees

Award winning insurance

Voted Australia’s 2023 Gold Quality Service Award Winner for Car Insurance.

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Experience you can trust

Apia has offered great value insurance products to Aussie seniors and retirees for over 30 years.

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Get in touch 24/7 if you need to make a claim.

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Comprehensive Car Insurance

Save 10%
First Year Online Discount*

Apia's Car Advantage Comprehensive cover can insure your car against accidental loss or damage including theft, impact, fire, storms and malicious damage.

Features

Up to $1,500 for After Claim Expenses when your car is stolen or damaged in an incident
Your legal liability to pay compensation for loss or damage to another person's vehicle or property caused by your use of your car up to $20 million
Lifetime guarantee on repair work authorised by us

Optional Covers^{^}

For an additional premium you can include:

24/7 Roadside Assist with unlimited callouts

Windscreen and Window Glass cover

Hire Car after an event for unlimited days

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Limits, exclusions and conditions apply, please refer to the PDS for full details.

Third Party Property Damage Insurance

Third Party Property Insurance protects you for legal liability up to $20 million. You'll also be covered up to $5,000 for damage to your car by an at fault uninsured driver if you can provide us the name and address of the person at fault and the registration number of the at fault vehicle.

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Fire, Theft & Third Party Property Damage Insurance

Fire, Theft & Third Party Insurance provides you with Third Party Insurance cover up to $20 million legal liability, as well as cover for your own car in the case of fire, theft or attempted theft.

You'll also be covered up to $5,000 for damage to your car by an at fault uninsured driver if you can provide us the name and address of the person at fault and the registration number of the at fault vehicle.

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SUBMITTING YOUR CLAIM

Easy Claims Process

Lodge a claim 24/7

Lodge your claim and receive a claim number instantly. Repairs may also be booked instantly in some cases.

Assessment

We'll assist you in arranging the assessment and repair process for your vehicle.

Track your claim

Track the progress of your claim online at any time.

Finalise your claim

We'll let you know once your car is ready to collect or settle your claim (as applicable).

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For more information on how we manage your claim, please read the PDS.

^*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.

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

^{^}Optional cover benefits are subject to the terms, conditions, limits and exclusions of the insurance policy. You can’t add optional cover after an incident and have damage or loss covered for that same event.

Optional covers must be added to your policy before the incident you’re claiming for. Please refer to the PDS for more information.