Payments FAQs

For Apia insurance policies that can be renewed online, you can pay via our Secure Online Payment portal using Visa, MasterCard or American Express.

You can use Visa, MasterCard or American Express when paying your policy renewal online.

For information on other ways to pay, please refer to our Renewal page.

Please note that online renewal is not available for certain products. To further discuss your renewal options, contact us.

Your Apia Insurance policy certificate will tell you when your premiums are due. Alternatively, you can login to Apia Online Services to find out.

Yes, at Apia we give you the option of paying for your insurance in the following instalments (direct debit/credit card only):

• Annually
• Half-Yearly
• Quarterly
• Monthly

To discuss your payment options, please contact us.

If you don’t receive a confirmation of payment immediately when you pay online, wait 1-3 days as your payment could be delayed due to public holidays or the weekend.

If after that time nothing has changed, get in touch with your bank to make sure everything is okay with your account and that it hasn’t expired. Your bank may also take a couple of days to register the payment, but if there’s nothing wrong with your account please contact us and we’ll look into it for you.

If it’s a direct debit issue, we'll wait up to 14 days from your original debit date, and then try the payment again, on (or around) day 14.

You can pay for your insurance online using your American Express, MasterCard or Visa Card or by direct debit from your bank account. We have a range of payment options and do not charge any extra to pay by instalments^ⴃ.

You can make a secure credit card payment using our automated credit card payment system by calling 1300 064 781.

Your Payment Reference number appears in the Payment Slip section of your notice.

You can use the Automated Payment Phone line to pay for all your Insurance Products excluding Health, Funeral, CTP and MAI Insurance policies.

You can pay using Visa, American Express and Mastercard.

^ⴃDoes not apply to Apia CTP, MAI and Funeral Insurance.

Your payment details are sent directly to AAI Limited and are safeguarded by a secure encrypted line. Your credit card or bank account details will not be shown on your insurance summary screen.

If you miss a monthly instalment you can make a one off payment via your Apia Online Services online account.

Apia only offers 12-month insurance policy terms. 

If you’re an Apia Health Insurance customer and experiencing financial difficulty due to COVID-19, you can potentially suspend your policy. Please refer to the Policy Booklet  for terms, conditions and eligibility.

Apia is not able to pause any other policy type.

If you’re experiencing financial hardship, please call 13 50 50 to discuss your specific situation.

We understand that this can be a tough time for our customers. If your policy is up for renewal and you’re experiencing financial difficulty, please call 13 50 50 to see if we might be able to help. 

The claims process will remain the same throughout COVID-19, however if you’ve got a home or comprehensive motor insurance claim, we recommend doing this online instead.

For all other policy types, please call 13 50 50 to make a claim over the phone. You can also email us your claim by selecting your policy type on the Contact Us page, and scrolling to the form at the bottom.