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Apia's Double Up & Save!
Buy home & car insurance together to get 20% off the second policy
Both new and existing eligible customers can save 20% off their second new eligible policy
Start here to redeem your offer. Quote and purchase a new policy from 15 March to 13 May 2021.
Some Optional Covers are not discounted. T&Cs apply.

Car Insurance

Apia's quality Car Insurance options are designed to provide cover for a range of insured events like storms, theft and accidents.

Choose from our three cover options to suit your needs.

Get a quote for

Customer Rating
5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

Comprehensive Car Insurance

Apia's Comprehensive Car Insurance helps protect your car against accidental loss or damage including theft, loss, fire, storms and malicious damage.


  • Up to $1,500 for After Claim Expenses when your car is stolen or damaged in an incident
  • Up to $20 million Legal liability for damage caused by your car
  • Lifetime guarantee on repair work authorised by us
  • Apia Drive Less Pay Less® discount if you travel under 20,000km per year*

Optional Covers

Depending on the level of cover you want, you can include;

Icon stating roadassiting with car 24/7 Roadside Assist with unlimited callouts

Icon showing car glass damage  Windscreen and Window Glass cover

Icon stating pick up or hire carHire Car after an event for unlimited days

Third party car insurance icon
woman locking white car

Third Party 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.

Car insurnace fire and theft icon
Woman with groceries

Fire, Theft & Third Party Property Damage Cover

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.

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 major retailers.


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.


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).

Claim online now

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


What our Car Insurance customers are saying

*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.​

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).

This content applies to policies commenced or renewed on or after 23 March 2021.

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