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Understanding Our New
Apia Car Advantage Insurance PDS
Introducing the new Apia Car Advantage Insurance Product Disclosure Statement (PDS) for policies renewing on or after 23 March 2021. The PDS contains important information you need to know about your Apia insurance product. Please ensure you read it carefully.
We’ve changed the layout of the PDS to help make it easier to understand. And we have also made other changes to the policy – we have added and changed covers and we have added and changed exclusions and conditions.
Below are some examples of things we have changed:
- Extra support (new section in your PDS)
- Your responsibilities
- When you need to contact us about changes (we have expanded the situations when you need to contact us)
- When you replace your car
- Excess (when and how to pay)
- Things we don’t cover
- Damage by uninsured drivers
- How we settle your claim
- Unavailable parts
- Contribution to repairs
- Joint policyholders
- Conduct of others (new section in your PDS)
For full details, please refer to your PDS.
Accidental loss or damage to a trailer is now covered up to $2,000 when it becomes detached from a moving car, as well as cover for when it is attached to your car.
When you need to contact us
We have expanded the list of situations in which you need to contact us. For example, you need to contact us if you or anyone who is likely to drive your car has their driver licence cancelled, suspended, disqualified or restricted.
The information above is not a complete list of the changes to your Apia Car Advantage Insurance. For full details of what is and isn’t covered, please read the Apia Car Advantage Insurance Product Disclosure Statement (PDS). Consider the PDS before making a decision about this insurance