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Excess-free Glass optional cover offer

  1. To qualify for this promotional offer of 1 year of Excess-free Glass cover at no extra cost (“PO”), you must
    1. quote and purchase a new eligible Apia Home Building Insurance policy with Apia Excess-free Glass cover selected; and
    2. meet other requirements in these Terms and Conditions
  2. Home Building Insurance policies: Apia Home, Apia Home Extra and Apia Village Style Residence Insurance (“Eligible Policy”).
  3. The Campaign Period is from 2 May to 1 August 2022.
  4. This PO is available in conjunction with the online discount when purchasing a new Apia Home Building Insurance policy online, but is not available in conjunction with any other promotional offers which may run from time to time on Apia Home Building Insurance policies.
  5. The PO is not applicable to policies with Contents Insurance only.
  6. To receive the PO, a new Apia Home Building insurance policy with Apia Excess-free Glass selected must be quoted and purchased via one of the following means during the Campaign Period:
    1. Apia Contact Centre
    2. Online quote and purchase via the unique URL/web address for this PO (“Unique Address”) that is made available by the Promoter; or
    3. Valid saved quote from a saved quote email with this PO applied during the Campaign Period and while the quote remains valid.
    4. Direct communication to Eligible Customers via the Unique Address that is made available by the Promoter to Eligible Customers. The Unique Address may be made available via a personalised email to Eligible Customers.
  7. If you receive the PO, the total premium payable by you for your new Eligible Policy with Excess-free Glass cover selected will be discounted by the amount that would otherwise be payable by you for Apia Excess-free Glass cover (Discount).
  8. This PO is applied before taxes and charges are added. If you are eligible for other discounts, we will apply each discount in a predetermined order to the already discounted premium.
  9. This Premium Discount is only available for the first year of a new Eligible Policy. It is not available for current Apia Home Building Insurance policies, subsequent renewals or any other changes to your Apia Home Building Insurance policy. A new policy does not include a current policy converted to a different policy type, for example when a Apia Home Insurance policy is converted to a Apia Home Extra insurance policy.
  10. After the 1st year of the Apia Home Building Insurance policy, you will no longer receive the Premium Discount. Any subsequent renewal offer will revert to the undiscounted premium where Apia’s Excess-free Glass is selected as an Optional Cover.
  11. You may call Apia at the time of receiving any renewal documents if you do not want to purchase Excess-free Glass cover as part of your renewing policy.
  12. The Promoter is Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591, agent and authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (“AAI”), the insurer and issuer of Apia general insurance products.
  13. All quotes provided are subject to AAI’s normal underwriting criteria.
  14. Apia Home Building Insurance is issued by AAI. Customers should consider the Product Disclosure Statement before making a decision to buy this insurance. Go to for a copy. The Target Market Determination is also available. Excess-free Glass cover is an optional cover only available in conjunction with Apia Home Building Insurance.
  15. Promoter reserves the right to verify that an Eligible Customer satisfies these Terms and Conditions.
  16. The Promoter reserves the right to vary, amend, extend, cancel or withdraw, all or part of this PO at any time and without notice, at the Promoter’s sole discretion.