Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

The go-to insurance for retirees

If you're an Aussie over 50, we're here to provide you with a better insurance experience.

  • Pay by the month at no extra cost
  • Chat with someone who takes the time to understand you
  • 24/7 claims service

Get a quote

Insurance options for seniors, over 50s and retirees

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.

Flood^

Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm) other exclusions apply.

Home & Contents Insurance

With Apia Home and Contents Insurance, your home and the precious things inside it are covered for a wide range of events, such as fire, theft, storm, flood^, and vandalism.

Looking for something else? See all Insurance products

Why choose Apia?

Award winning insurance

Voted Australia’s 2022 Gold Quality Service Award Winner for Home & Contents Insurance.

Experience you can trust

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

Ways to save

Enjoy flexible payment options and save on your policy with our Work Less Pay Less® discount*, Multi-policy discount* and Online discount*.

Claim anytime

We’re here when you need us most.
Get in touch 24/7 if you need to make a claim.

Customer help and support

Manage your policy online, make and track claims, and view policy documents with Apia Online Services. If you’re not registered, signing up is easy.

Log in to My Account

Renew my policy

Pay excess

Make a claim

Haven’t registered for Apia Online Services? Get started now

Prefer to speak to a real person?

*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.​

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 your 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.​ See full terms and conditions.

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. ​

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

Does not apply to Apia CTP, MAI and Funeral Insurance.

^Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm) other exclusions apply.

Lifetime guarantee on repair work

When we authorise repairs after an incident, the quality of the workmanship and the materials will be guaranteed for its life.

After Claim Expenses

If your car is stolen or damaged in an incident covered by your policy, we’ll cover:

  • reasonable costs for emergency repairs to make your car roadworthy or safe
  • reasonable costs for emergency accommodation if your car isn’t roadworthy or safe to drive and you’re more than 100km from home, and
  • accidental loss or damage to personal property in the car at the time of the incident.

A limit of $1,500 applies to any one incident.

New car replacement if yours is stolen

We'll replace your car with a new one if it's stolen, not recovered and is less than 10 years old (up to $40,000).

Other conditions apply and are explained in your PDS. For example, you must be the first registered owner of the car.

Loss or damage to your home and its contents

We’ll cover loss or damage to your home and its contents from events such as fire, theft, storm, flood, and vandalism.

Temporary Accomodation

If your home cannot be lived in after an insured event, we’ll pay for temporary accommodation costs for the time it will take to repair or rebuild your home (up to 10% of the home sum insured).

Motor burnout

We’ll cover the burning out or fusing of electric motors up to $2,000 per claim in household equipment or appliances which are part of your home and/or contents, depending on your cover.

Food and medication spoilage

We’ll cover spoilage of refrigerated food, frozen food and refrigerated medicines caused by:

  • the sudden escape of refrigerant fumes
  • electrical or electronic breakdown, failure or malfunction, or
  • the public electricity supply failing to reach the insured address.

A limit of $750 applies to any one incident.

Lock replacement if your keys are stolen

We’ll cover costs to replace or recode locks to external doors or windows of your home excess-free if your keys are stolen in Australia or New Zealand.

A limit of $1,000 applies for any one incident.

Loss from fraudulent use of stolen financial transaction cards

We’ll cover your loss excess-free if your credit cards or other financial transaction cards are physically stolen from your home and used fraudulently (less the amount covered by your card provider).

A limit of $1,500 applies for all claims made in any one period of insurance

Visitor’s contents

We’ll cover loss or damage to contents owned by invited visitors caused by an insured event.

This cover applies for a maximum period of 30 consecutive days and a limit of $2,000 applies to any one incident.

Apia Home Assist

Apia Home Assist provides you with access to an emergency assistance service if an incident requires the urgent attention of a plumber, electrician, locksmith, or carpenter.

Some geographical limitations apply to the availability of Apia Home Assist. Apia Home Assist is only available 24 hours after adding the option to a new or existing policy. Terms and Conditions apply.

Excess-free Glass cover

When you have Excess-free glass cover and claim for accidental breakage of fixed glass in windows, doors, skylights, shower screens or fixed mirrors which are part of the home, we cover the cost to replace that glass, without you having to pay an excess.

Windscreen and window glass cover

Enjoy one excess-free repair or replacement of your car's windscreen or window glass following damage in an incident in each period of insurance.

Enjoy one excess-free repair or replacement of your car's windscreen or window glass following damage in an incident in each period of insurance.

Hire car for unlimited days

If your car can’t be safely driven after an incident, is being repaired, or has been stolen, we’ll arrange a hire car of a similar make and model to your car (up to $90 per day) until your claim is settled or your car is returned.

Flood^

Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm) other exclusions apply.