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Apia's Multi-Policy Discount*.
Grab a 10% discount* off your premium for having two or more eligible policies with Apia.
Get a quote or find out more about our multi-policy discount*.

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Village Insurance

  • 15% discount* when you quote for a new Village insurance policy online
  • Pay your premiums monthly at no extra cost
  • Cover for when your contents are stored in a commercial storage facility
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Village Insurance

If you live in a retirement or lifestyle village, this policy protects your home and contents against unexpected events such as fire, theft, storm, flood#, vandalism, earthquake and impact by objects.

Apia Village cover features:

  • New for old repair or replacement of your contents
  • Fire, theft, storm and flood damage#
  • Contents in a locked cage within your residential complex (sub-limits apply)
  • Motor burnout cover (up to $2,000)
  • Accidental breakage of fitted glass in furniture and unfixed hung mirrors
  • Legal liability (up to $20 million)
  • Vehicle injury to dogs or cats (up to $1,000)
  • Visitor's contents in your apartment (up to $2,000)

#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)

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

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Optional Cover

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.

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Talk to an Expert

For insurance advice or help with a quote, chat with someone who takes the time to understand you.

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Policy Documents

For full details of what is and isn't covered please refer to the relevant Product Disclosure Statement (PDS)

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We're here to make experience matter for Aussies over 50.

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*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.​

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 (if available).​

Excess-free Glass cover

  • No excess payable when your claim is only for the broken fixed glass
  • No limit on number of claims during the policy period
  • Easy claims process
  • Trusted glass repairer

How Excess-free Glass cover works

When the unexpected happens and fixed glass in a window, door, skylight or shower screen in your home is accidently broken, if for an extra premium you have chosen to add Excess-free Glass cover as an optional extra on your home insurance, we will cover the cost to replace that glass without you having to pay an excess. Just call us on 13 50 50 or lodge a claim online and we will organise for one of our trusted glass repairers to replace the broken window. We will also cover the cost to repair or replace the frame of any window, door or shower screen, if required to enable us to replace the glass.

Please refer to the PDS for full details.

You can also view our Excess-free Glass Cover FAQs to find out more.

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Cookie and Data Policy
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AAI Limited
Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car, Motorcycle, Caravan, Motorhome, Boat, Travel, Compulsory Third Party Personal Injury (CTP) Insurance and Motor Accident Injuries Insurance (MAI Insurance). Registered Office: Level 28, 266 George Street, Brisbane QLD 4000.

Any advice provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Read the Product Disclosure Statement (and any related documents) before making a decision about general insurance. The Target Market Determination is also available

Health Insurance
Apia Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.

Life Products
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct).

Funeral Insurance
Apia Funeral Insurance is issued by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life), which are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies use the Apia brand under license. TAL companies are not part of the Suncorp Group. TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct) has been authorised under an arrangement with the insurers to enter into, vary or cancel insurance cover and manage, administer and settle claims on behalf of the insurer as if it were the insurer.
Asteron and TAL Life support and adhere to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email info@fsc.org.au or visit www.fsc.org.au.

Rewards and Recognition
The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator's privacy policy.

This content is current for Home and Contents, Home and Contents Extra, Village Style Residence, Apartment Style Residence, Assisted Living Residence, Landlord, Car Advantage, Motorcycle, Caravan, Motorhome and Boat Insurance policies commenced or renewed on or after 23 March 2021.

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