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Apia is a popular insurer for the over 50s, offering car insurance policies for older Australians. Read our review to learn more about its products!
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Savvy Editorial TeamFact checked
Apia, a part of the Suncorp Network, is a well-established insurance provider that specialises in insurance policies for the over 50s. For more than 30 years, it has provided a wide range of insurance options to older Australians, including a choice of car insurance policies.
In this review, we look at Apia’s car insurance products so you can understand your options. Find out what is and isn’t covered and any optional extras you can add today!
Disclaimer: all coverage offered by Apia is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Apia if you’re unsure about what is and isn’t covered.
Please note that Savvy does not represent Apia for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.
Apia offers the following types of car insurance to Australian drivers:
Comprehensive car insurance offers the most extensive list of inclusions among the different types of cover. This may offer you greater peace of mind on the road, but it’s important to note that these policies also tend to be the most expensive. Apia’s Comprehensive Car Insurance offers the following inclusions:
This type of cover is the next step down from comprehensive, covering damage sustained due to theft and fire, as well as damage to other vehicles and property. Apia’s policy offers the following inclusions:
The most basic form of optional car insurance in Australia, third party property damage insurance is designed to cover damage caused to other people’s property by your vehicle, but not to your own vehicle. Apia’s policy offers the following inclusions:
In Australia, all cars are legally required to have Compulsory Third Party (CTP) insurance.
Apia is a CTP provider in New South Wales, where the cover is known as a Green Slip. This insurance:
Apia also provides Motor Accident Injuries (MAI) insurance in the Australian Capital Territory, which covers injury to drivers and other road users in the event of a motor vehicle accident. Regardless of who is at fault, you may be entitled to:
Yes – Apia offers several optional extras on its Comprehensive Car Insurance plan:
No – if you are under 50, Apia is unable to offer you insurance. However, you may be able to list additional drivers on your policy who are under 50, as long as you as the main policyholder are age 50 or above.
There are a number of ways you can save on your premium with Apia:
Laid-up cover covers your vehicle if it is being stored and not used on the road – for example, if you have a car that is being restored or repaired. It can provide protection against risks like fire, theft, vandalism and accidental damage while the vehicle is off the road. Apia’s laid-up cover will cover your car while it is not in use and is located at your address or a professional garage or workshop.
Policyholders have several ways to submit claims:
Select your car make and find out how much it may cost to insure, read helpful guides and compare quotes.
Disclaimer:
Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.
Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
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