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One Star for Pricing
Using the recent floods to penalise everyone, the insurance companies are simply gouging. I live in a non-flood-prone area, have several policies with APIA for several years.
I have never made a House and Contents claim.
in 19-20 policy up 9%,
20-21 policy up 15%,
21-22 policy up a whopping 25%.
How can this be justified, my circumstances have not changed at all and the increase in value of the house is nowhere near (not even close) to the 50% increase over 3 years of H&C insurance. My monthly outgoings in 3 yeas went from $165/mo to $250.../mo. I did get offered a $20.mo reduction to $230+, but still way excessive. I am actively looking elsewhere. Budget Direct very cheap, but so many bad reviews. Others are similar pricing so it seems to be a rort where ever you go.
Cost of Car and Home & Content Insurance Premiums
I've been with APIA for nearly 15 years. This year I received my home insurance premium renewal which has increased by 12.6%. So I decided it was about time I investigated other Insurers for my Car and Home & Contents insurance. My result has been astonishing. I made sure that I was comparing 'apples with apples' i.e. details matched what was in my current APIA policies. For everyone's information I can get my car insurance for $800 less p/a and my home & contents insurance for $790 less p/a - saving me a whopping $1,590 p/a. Shop around people...APIA is a rip off.
Unconscionable conduct – 0 star
My elderly (93 & 88 years old respectively) grandparents claim was approved by APIAs' claim assessor November 2021 post earthquake damage. Some 6! Yes 6 months later I am still following up on the claim. Weekly emails continue to be ignored. Hours on end on hold with no resolutions. Temporary accommodation put forward by APIA student accommodation or a room in shared homes (From APIA in writing) – Unconscionable conduct by a pensioner insurer clearly taking advantage of policy holders who have been with them for 15+ years.
APIA did contact my ...
My Neighbours house was damaged in the storm in Melbourne 30th of October 2021, this insurance company has stalled miserably, she was told the work would begin in January, this is now April and the work has still not started, I have 1 of her pets as her house is unliveable (I have had her pet bird for 5 months). I am glad I am with another company which has fixed up the damage from the storm. Take note if you decide to go with this company
Apia like Optus wants to lose customers not assist them
Apia is like other companies like Optus and Telstra, rather than admit there are issues and fix the issues they basically blame their customers.
The issues with Apia is you click on login to online account then my account but doing this doesn't take you to your online account, it takes you to where you have to register an new online account.
So when I pointed this out to Apia again on 13/4 as they ignored my feedback back in 2020 of the same issue, they ask for my details name, DOB, address etc and to update my browser and computer software b...ut don't tell what me several times what software needs updating, even those they know doing all this won't fix up issues on their website and it basically took at least 20 minutes to find on the website where I can logged into my account to pay a overdue payment which didn't happen as I couldn't find a way to pay it. And forget trying to get assistance from Suncorp who owns Apia as they say you have to go back to Apia. Which is why I have cancelled my policy and went elsewhere which is strange as I thought companies like to keep customers not lose them? PS I say The Insurance council would be like The TIO, Consumers Authorities etc etc etc on the side of the business and companies and ignore the consumers and their consumers issues?
Uncontactable Abysmal Service
Been with this company 15 years and lodged our first claim this year. I have sat on the phone for hours waiting to get through to a claims officer who has now taken months to process our claim for a plaster ceiling replacement following water damage. Claim remains in the pipeline and still unprocessed and the service line places us on hold for 3-4 hours waiting. Absolutely shocking service and no office in the ACT for us to visit and talk through our claim to get our claim resolved.
Will be looking into changing our insurer if and when our ceiling is repaired.
Don't go near this mob. They don't deserve one star
Staff friendly- but if you want something done??? Words good. Actions nothing.
My parents were flooded weeks ago and are long term Apia customers. The staff you speak with are really friendly but no contact with assessors or their allocated contact since. Countless calls asking questions which we got conflicting answers. Other insurance providers had staff on the ground and works underway. We’ve done everything ourselves and are still waiting to hear from our allotted claims expert. Everyone we speak to are fantastic, but when it comes to doing something? All words no actions. I’d take a rude staff member who got mould removed and doors fixed over platitudes every day.
Yes the policy was easy to set up.
Almost 12 weeks ago my house was flooded and there is no sign of resolution yet, This is my first year with APIA. Time lag has made it possible for black mould to make merry but I have managed. Insects are now a problem, mainly spiders.
This company is almost impossible to contact by phone or text. I am 78 years old, I have a hacking cough and really want carpet replaced so that I can tidy up and resume living again.
They are not what they claimed to be
I have lodged a claim after a thunderstorm that caused damages to my property and contents. But 50 days later, very little progress has been made in processing my claim. They won’t provide emergency assist and you have to chase them numerous time before any action is carried out. We have been with the company more than 15 years.
Absolute Rip Off
Today I was visiting my elderly parents and happened to notice a renewal notice for their home & contents insurance.
Their annual renewal amount was $2970.00 and I told my parents that seems a lot to me. Let me see what I can come up with.
Being a renter myself and only having contents insurance I knew it would be more than I was paying but didn't expect that amount.
Now my parents live in a modest 2 bedroom villa within a very secure over 50's community. It's also situated in a very safe suburb.
I spent an hour or so obtaining various quotes a...
abysmal service, uncontactable, no help whatsoever
I had a water flooded bungalow ( carpet absolutely soaked, furniture damaged) after storm three weeks ago which I dully reported 27/01 to Apia. I initially contacted them by phone but was informed that there was an extremely heavy workload and it would be better to lodge my claim online. Tried twice but uploads failed, then tried to contact by phone again. After 40 minutes I received an answer, and was informed that our situation would be addressed within the next few days and our claims manager would be in contact ASAP. Four days later I tried...to contact APIA again busy lines due to heavy workload stayed on phone for 32 minutes. Was informed once again how sorry they were and case manager would be in contact. Didn't happen but someone came out to assess damage to our roof. Ok things happening at last, three days later assessment made of bungalow damage . Have still not heard from claims manager when I tried contacting her no answer she was always unavailable. Upshot is that three weeks later with claims manager trying to contact me twice and being unable to return her calls as she is busy, we are at an impasse. Have just had my claims manager's boss on the line informing me that my tiler who is replacing the water damaged carpet with tiles now needs to give an exact detailing of work he is to undertake as well as materials used before Apia will come to the party. I was also informed that in spite of the fact that work was supposed to commence two weeks back that the mob assessing the water damage will take ten days to submit their report to Apia. You would think that with so many stuff ups that some consideration might be made to expedite the situation for a mutaully satisfactory resolution
Claim fail! Contrary information given, confused????
Proof of a good insurance company isn't in the slick ads, good rates or ease of payment, it's in the claim,
here APIA fail badly!
26/01/22 - I submitted a damage claim for a leaky air conditioner that wet my new Oled 65" CTV.
APIA advised that I would have to pay $400 excess on contents, and $600 excess on building, to claim the two items. I was told to take the TV to a repairer to get it assessed. I advised that I wouldn't be able to get it off the wall bracket, and it wouldn't fit in a car!
APIA advised that I would only have to pay $600 exc...
APIA gets a bad rap but it has paid up on my claims!
I have my home&contents policy with APIA. Last year I needed to claim on the home insurance as there was a leak coming from the roof into the cavity of the bathroom/dining room wall, which had become mouldy (I could smell mould). I decided to renovate my bathroom while sorting out the issue. I had a roof plumber (who had installed the new roof some years before) back to search for the problem. It turned out to be a tiny bend in the old copper pipes that just happened to bend and the wall joint of bathroom/dining room. Initially APIA rejected th...e claim, but the rejection was so shoddy that I phoned and argued the case. With the support of a letter written to APIA from the roof plumber, my claim was paid out with my excess being $100. (I always take the lowest possible excess when insuring).
Worst insurance company. Contact with personnel is nigh on impossible. Refused to payout on earthquake damage and
Contact with personnel is nigh on impossible. Refused to payout own earthquake damage and storm water damage from last September. Damage is still continuing because of original damage. Insurance sent make safe team which dismantled light fittings along my eaves. Said they would be replaced but to date, over four months later they have not come back. Place looks worse than ever now. So disappointed and frustrated. Three assessors to date have told completely different stories. Have cracking which they say is minor but one is 2cms wide ...which third assessor says is a repair from a former time. This is not correct as no work has never been required and home has been kept in good repair. Cracks still occurring because of water damage. Was told my gutters being blocked were cause of water damage however assessors did not have high enough equipment to inspect the guttering, it was only an assumption. A drone could not verify blocked gutters either. I engaged a plumber to check guttering who said the gutters were as clean as a whistle. Four months they have not been replaced. Now have significant damage which will cost around $100,000 repair. This could have all been avoided if the insurers had acted within a reasonable time frame. Have been with this company approx three years. Certainly not a company that helps Pensioners or elderly.
Making a enquiry about existing policy
Annoying phn. Up to speek to someone they take ages telling u all this other crap ur not interested in eg staff may get a bonus don't care just put me through to someone to speek to bloody annoying enough to put u off insuring with Apia
Questions & Answers
Are floods covered
Good morning Robert. It does depend on your policy type. If you'd like us to check this for you, please send us an email with your full name, policy number, and date of birth (for ID) to firstname.lastname@example.org...om.au, or give us a call on 13 50 50. Otherwise, you can also look at our PDS for each policy type here https://www.apia.com.au/policy-documents.html - Maddy
The only review they have responded to, disgusting insurance company hundreds of 1 star reviews seems like they don’t give a toss.
Does my house insurance include the roof
Yes it should but probably not with this rip off company
How do you justify a 33% increase in my premium this year when inflation is so low and building costs are not rising?
Get an answer from our members and APIA representatives
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