Apia Car Insurance

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:

• Protection against accidental loss or damage to your car caused by fire and theft
• Coverage of up to $20 million for damage to other people’s property arising from legal liability
• Emergency repairs, accommodation and personal property damage, up to $1,500 per incident
• Transportation costs when your car is not drivable, up to $500 per incident
• The cost of a hire car or alternative transport after theft of your car, up to 21 days
• The cost of a hire car or alternative transport if your car is damaged in an incident covered by your policy, cannot be driven safely and you were not at fault
• The reasonable cost of towing your car and storing it if it is damaged in an incident covered by your policy, limited to one tow
• The cost of replacing stolen or damaged baby capsules and/or child seats, up to $750
• Transport costs from the incident scene to your destination, to and from the car repairer, and to and from a hire car provider if your car is not drivable, up to $250
• Damage to your car caused by an uninsured driver, up to $5,000
• Laid-up cover if you car is not in use at your address or a professional garage or workshop

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:

• Coverage for up to $20 million for damage to other people's property in any single incident
• Hire car after a not-at-fault incident caused by an uninsured driver, covering the reasonable cost, if your car is damaged and cannot be driven
• One tow from the incident scene and storage costs for your car if it is not roadworthy or safe to drive
• Transport costs from the incident scene to your destination, to and from the repairer, and to and from a hire car provider, up to $250 per incident, in an incident caused by an uninsured driver
• Damage caused by an uninsured driver, up to $5,000 per incident for repair costs

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:

• Provides protection against liability for injuries caused to others in a motor accident
• Covers medical expenses
• Provides weekly payments for lost income for up to 12 months should be injured in an accident you caused

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:

• Treatment
• Care
• Lost income benefits