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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, we’ve made it easy for you to save some extra money.

Home & Car Savings & Discounts

Multi-policy discount*

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

Work Less Pay Less® Discount*

Save on your premium if one or more policy holders works less than 37 hours per week

Comprehensive Car Insurance

Take control of your Car Insurance premiums

Online discount*

Save when you quote and buy Comprehensive Car Insurance online

Apia Drive Less Pay Less® discount if you travel under 20,000km per year*

Apia 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 discount*

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.

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 discount*

A 10% discount off your premium for holding two or more eligible policies (includes combined home & contents policies)

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 premium

*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).​

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 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.​

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 (if available). ​

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

Drive Less Pay Less discount does not apply to optional covers Apia Roadside Assist and Windscreen and window glass cover (if available).​

No Claims Bonus does not apply to optional covers Apia Roadside Assist, Windscreen and window glass cover, Contents cover, Personal valuables - unspecified items, Personal valuables -specified items, Annexe cover, Hire use cover (if available).​

#You can ask us to increase your excess (up to the maximum we offer) during the quote process or when renewing your policy, to lower your premium. Minimum premiums apply. Depending on the circumstances, you might have to pay more than one type of excess when you claim.​

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.