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How to save on your Apia car and home insurance  

When it matters to you, it matters to us. And if it means finding ways to save you money on your car & home insurance premium while providing you with quality cover, then our savings & discounts can help you.

Ways to save on your Apia insurance   

If you’re after an online discount* on car or home insurance, or want to get started with Suncorp Benefits, we’ve made it easy for you to save some extra money.

 Insurance savings & discounts

Multi-policy discount1

Grab a 10% discount off your premium for having two or more eligible policies with Apia

Car Insurance

Take control of your Car Insurance premiums

Online discount^

Save when you quote and buy Comprehensive Car Insurance online

Drive Less Pay Less® discount2

Drive Less Pay Less® discount only available for eligible Apia comprehensive car insurance customers who drive less than 20,000 km per year.

Multi-policy discount1

Got Comprehensive Car Insurance? Combine it with another eligible policy to get a 10% discount off your premium

No Claim Bonus

Get rewards for your safe driving every year

Varying your excess

Choose to pay a higher excess in return for a cheaper premium.3

Flexible payments

Don’t want to pay annually? Pay by the month without additional surcharges or fees

Home Insurance

Want to take control of your Apia Home Insurance premiums?

Online discount^

Save on your new Home Insurance policy when you quote and buy online

Multi-policy discount1

A 10% discount off your premium for holding two or more eligible policies (cannot be applied with combined home & contents discount)

Combined Home & Contents policy

Get a discount when you purchase a new Home & Contents policy online (does not apply in conjunction with multi-policy discount)

Flexible payments

Don’t want to pay annually? Pay by the month without additional surcharges or fees

Home & Contents Excess

Choose a higher home or contents excess to reduce your premium3

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 over 100 retailers.

Find out more

^Online discount is only available for new, eligible policies purchased online and the discount will be included in the premium. Eligible general insurance policies include: home, contents, car, motorcycle, boat, caravan and motorhome insurance. Online discount does not apply to Apia Health, Funeral, Life, Travel or CTP insurance or Apia Roadside Assist and Home Assist optional cover (where applicable). 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. Terms and conditions apply.

1A multi-policy discount (MPD) rewards you with a discount off your premium for holding two or more eligible paid general insurance policies with Apia. 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 multi-policy discount, 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. View the eligible policies on the multi-policy discounts page. Discount not applicable to Apia Roadside Assist or Apia Home Assist optional cover(s). 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). Discounts are subject to change. Minimum premiums may apply.

To find out more about Apia multi-policy discounts please phone us on 13 50 50 (within Australia).

2Drive Less Pay Less™ discount only available for eligible Apia comprehensive car insurance customers who drive less than 20,000 km per year.

3You can ask us to increase your excess during the quote process or when renewing your policy.  You can increase your excess up to the maximum amount offered by us.  If you choose a higher excess, your premium will decrease.  Minimum premiums apply.  Depending on the circumstances, you might have to pay more than one type of excess when you claim.

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.

Registered Office: Level 28, 266 George Street, Brisbane QLD 4000. Read the PDS on this website before making any decisions about this insurance. Information 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.