Policy Documents

Please select insurance category for relevant policy documents

Home and Contents Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Home and Contents Insurance

Home and Contents Insurance - Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS.

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Home and Contents Insurance - Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 24 September 2022.

Home and Contents Insurance Additional Information Guide
This AIG is relevant to you if you obtain a quote, or your renewal premium is calculated, on or after 14 November 2021.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 March 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Apia Home and Contents Extra Insurance

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Home and Contents Extra Insurance Additional Information Guide
This AIG is relevant to you if you obtain a quote, or your renewal premium is calculated, on or after 14 November 2021.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 March 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Target Market Determination

Home and Contents Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Home and Contents Extra Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Apia Home Assist Terms & Conditions 

Apia Home Assist Terms and Conditions

Effective for policies with this optional cover and with a commencement or renewal date on or after 9 November 2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Apia Home and Contents Insurance

Home and Contents Insurance - Apia Home Assist Supplementary PDS

Some geographical limitations apply to availability of cover

Home and Contents Insurance - Supplementary PDS

Effective for new business or policy renewals up to 22 March 2021. This is to be read in conjunction with your current PDS and SPDS.

Home and Contents Insurance - Apia Home Assist - Supplementary PDS

Apia Home Assist is available in certain NSW, Victorian and Queensland areas only

Apia Home and Contents Extra Insurance

Home and Contents Extra Insurance - Apia Home Assist Supplementary PDS

Some geographical limitations apply to availability of cover

Home and Contents Extra Insurance - Supplementary PDS

Effective for new business or policy renewals up to 22 March 2021. This is to be read in conjunction with your current PDS and SPDS.

Home and Contents Insurance - Apia Home Assist - Supplementary PDS

Apia Home Assist is available in certain NSW, Victorian and Queensland areas only

Target Market Determination

Home Building Insurance
AP03845 07/09/23 A

Home Building Insurance
AP03845 25/08/21 A

Home Contents Insurance
AP03846 07/09/23 A

Home Contents Insurance
AP03846 25/08/21 A

Home Extra Building Insurance
AP03847 07/09/23 A

Home Extra Building Insurance
AP03847 25/08/21 A

Home Extra Content Insurance
AP03848 07/09/23 A

Home Extra Content Insurance
AP03848 25/08/21 A

Apia Home Assist Terms and Conditions

Apia Home Assist Terms and Conditions

Effective for policies with this optional cover with a commencement or renewal date on or after 21 May 2016 up until 8 November 2023.

Apartment Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Apartment Style Residence Insurance

Apartment Style Residence Insurance - Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS.

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Apartment Style Residence Insurance - Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 24 September 2022.

Apartment Style Residence Additional Information Guide
This AIG is relevant to you if you obtain a quote, or your renewal premium is calculated, on or after 14 November 2021.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 March 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Target Market Determination

Apartment Style Residence Contents Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Target Market Determination

Village Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Village Style Residence Insurance

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Village Style Residence Insurance - Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 24 September 2022.

Village Style Residence Additional Information Guide
This AIG is relevant to you if you obtain a quote, or your renewal premium is calculated, on or after 14 November 2021.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 March 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Target Market Determination

Village Home and Contents Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Assisted Living Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Assisted Living Residence Insurance

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Assisted Living Insurance - Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 24 September 2022.

Assisted Living Residence Additional Information Guide
This AIG is relevant to you if you obtain a quote, or your renewal premium is calculated, on or after 14 November 2021.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 March 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Target Market Determination

Assisted Living Residence Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Target Market Determination

Landlord Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Landlord Insurance

Landlord Insurance - Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS.

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Landlord Insurance - Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 24 September 2022.

Landlord Insurance Additional Information Guide
This AIG is relevant to you if you obtain a quote, or your renewal premium is calculated, on or after 14 November 2021.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 March 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Target Market Determination

Landlord Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Car Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Car Advantage Insurance

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Car Advantage Insurance - Supplementary PDS
This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 24 September 2022.

Car Advantage – Additional Information Guide 08/02/23
This AIG is relevant to you if you obtain a quote, or your renewal premium is calculated, on or after 8 February 2023.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Apia Roadside Assist Terms & Conditions

Apia Roadside Assist Terms and Conditions

Effective for policies with this optional cover and with a commencement or renewal date on or after 9 November 2023.

Target Market Determination

Car Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Apia Car Advantage Insurance

Car Advantage – Additional Information Guide 04/11/21
Effective for policies between 4 November 2021 and 8 February 2023.

Update pursuant to ASIC Corporations Instrument 2016/1055
Effective for all policies with a renewal date on or after the 19 October 2018 until the next renewal date of the policy. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055
Effective for all policies with a renewal date on or after the 19 June 2018 until the next renewal date of the policy. This is to be read in conjunction with your current PDS and SPDS.

Car Advantage Additional SPDS

Effective for new business or policy renewals on or after 22 May 2019. This is to be read in conjunction with your current PDS and SPDS.

Compulsory Third Party (CTP) Insurance Documents

ACT CTP insurance documents

ACT CTP Insurance Driver Cover Plus

Effective for customers holding a CTP insurance policy commencing between 1 August 2017 and 31 January 2020.

Caravan Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Caravan Insurance

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Caravan Insurance - Supplementary PDS

Effective for new policies commencing on or after 17 August 2023 and renewal policies commencing on or after 20 September 2023.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Target Market Determination

Caravan Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Motorhome Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Motorhome Insurance

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Motorhome Insurance - Supplementary PDS

Effective for new policies commencing on or after 17 August 2023 and renewal policies commencing on or after 20 September 2023.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Target Market Determination

Motorhome Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Motorcycle Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Motorcycle Insurance

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Motorcycle Insurance - Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 24 September 2022.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Target Market Determination

Motorcycle Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Target Market Determination

Boat Insurance Documents

Latest PDS documents

For policies commencing or renewing on or after 23 March 2021. For older policies, please refer to Older PDS documents.

Apia Boat Insurance

Apia Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 17 March 2022.

Boat Insurance - Supplementary PDS

This is to be read in conjunction with your current PDS and SPDS and is effective for policies with a commencement date or renewal date on or after 24 September 2022.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 December 2023. This is to be read in conjunction with your current PDS and SPDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business or policy renewals on or after 31 January 2023. This is to be read in conjunction with your current PDS and SPDS.

Target Market Determination

Boat Insurance
Original Date: 25/08/2021, Updated: 07/12/2023.

Older PDS documents

For policies commenced between 21 May 2016 and 22 March 2021 or with a renewal date between 27 June 2016 and 22 March 2021.

Travel Insurance Documents

Older PDS documents

Apia Travel Insurance

Travel Insurance Supplementary PDS

Effective for new business on or after 25 Oct 2019. This is to be read in conjunction with your current PDS.

Travel Insurance Supplementary PDS

Effective for new business on or after 29 Jul 2020. This is to be read in conjunction with your current PDS.

Update pursuant to ASIC Corporations Instrument 2016/1055

Effective for new business on or after 25 Feb 2020. This is to be read in conjunction with your current PDS and SPDS.

Travel Insurance Supplementary PDS

Effective for new business on or after 12 Mar 2019.  This is to be read in conjunction with your current PDS.

Funeral Insurance Documents

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Find forms and PDSs here.

APIA offered an alternate product called Funeral Plan prior to 20/10/2014. To access the relevant Funeral Plan documentation please contact us on 13 50 50 in between 8am and 6pm (AEDT)

Product Development & Distribution Policy Documents

Latest documents

Product Development & Distribution Policy

Effective 31/08/2023: Each of Suncorp's products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allow us to put you, the customer, at the centre of our product development and distribution.

Older documents

Product Development & Distribution Policy

Effective up to 30/08/2023: Each of Suncorp's products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allow us to put you, the customer, at the centre of our product development and distribution.