APIA Home Insurance

Following the passing of our father our family contacted Apia to continue to pay the house and contents insurance. When the house was being sold we contacted Apia to find out how to cancel the insurance. We were told it was best to ring back after settlement was finalised. We did that however we were then told nothing could be done until they… Read more

received documents proving we had the authority to cancel the policy. Fair enough although we we had been paying the policy for over 12 months). If they had told us that on the earlier phone call we could have already sent the documents. Each time we tried to ascertain what documents were needed we were given different answers.We emailed power of attorney and were then told we needed to send the death certificate and the certificate of probate. We did that. We received an email back saying more information was needed. It was clear that the email and attachments we had sent to Apai hadnt been read or understood by the 'assisted digital specialist' because all of the information they were asking for had already been sent. We sent another email pointing out that the information had already been sent. Thankfully we had a different 'specialist' reply and they acknowleged that Apia did have all of the necessary information and the policy would be cancelled. We are now waiting on final confirmation of the cancellation and refund of last payment. (Hopefully that would happen in the next few days) The inconsistent information, the lack understanding of the law and basic compassion made cancelling the policy a much more stressing situation than it needed to be.

WA had a severe weather storm on the weekend of the 30/05/26. I had two fences blown over on two properties during the storm, winds of 100-120kph were recorded. Lodged two claims with APIA one Home and Contents, one Landlords Insurance on the 2/6/26. My three neighbours involved also lodged with their insurance companies claims for removal and… Read more

replacement of fences. All three had the claims settled within 24-48 hours. APIA still has not settled or assessed the claims. They advised they will do an assessment of one site on the 16/6/26 and have results of the other assessment to be carried out on the 7/6/26 by the 17/6/26 so I can expect the results from the16/6/26 assessment at least 10 days later this tardy service by APIA is causing a lot of angst with my neighbours who are all anxious to have the fences replaced.(They have swimming pools and dogs another is a 92year old widow living alone)They cannot proceed until APIA approves my claim as the cost has to be divided between property owners. Furthermore the suppliers of Colorbond advise unless orders are placed straight away it is likely that there will be shortages due to high demand. At this stage it appears I will not get approval on my claims for weeks compared to hours from other insurance companies. The test of a good insurance company is how good is their service when there is a claim not the price of the premium So it looks like my neighbours and I will get our fences up sometime before Christmas. I will be changing insurance companies on all my policies when they become due. Currently all my insurance is with APIA. .

Many years ago APIA were all ways cheaper than others as they gave pensioners a good deal and it cost no extra to pay by the month as living on a pension is hard yet it seems they change and we were not told like monthly now cost you extra and the increase are questionable. This year my policy went up over $2000 dollars to the point they want… Read more

more than 25% of my pension and I about to go into poverty for there greed and asked them to re-look at there quote and they refused and one case hung up on me and I also complained by email and it was made clear the quote stands,

So I started to look else where and found several that would save me money and I ask to see what they can do and what the cheaper but trying to find out are there any issue with them prevent me taking one up and I settle with the one from the bank $400 more than what I found but I will not do it over the net for security reason.

I have a high excess but exactly cover that I had with APIA as the show you been loyal to a company means nothing to them.

I also warned APIA not to read my bank account after the policy ends as they have done so twice in the few years when I ended my and wife car insurance as like the they priced them selves out of business

SO THIS IS A WARNING TO ALL TO SEE DO THE WORK AND SAVE MONEY AS LOYALTY HAS NO MEANING WITH THIS COMPANIES AND QUESTION EVERYTHING AND CHECK THERE IS NO CHARGE MONTHLY PAYMENTS AND IF THERE IS NOT GET IT IN WRITING

I manage to pay in one lump sum and based on last year payment I will save over a $1000 and another $2000 for there increase SO RUN HARD AND FAST IF YOU ARE WITH APIA

I made 2 claims they were honest claims and the refused to pay one I want there help to get the charge the person and the a very expensive digital camera that works but the screen and lens got broken

APIA will never be my insurance company as I do not trust them

*** Please Shop Somewhere Else *** If you read the reviews you'll find a common theme. They get you in the door with low insurance costs then the following year BANG!!!, they hit you with higher than average premiums. My house insurance increased… Read more

by 25% this year without ever making a claim.

I am sorry I moved all my insurance across to APIA. Now looking at other options - COLES is looking better :)

Dishonest and overpriced. Been with Apia for three years, never made a claim yet my latest premium went up by 18.5% and over the last 3 years up by 60%. When I contacted them to explain why, they tried to bypass the question and advised me to adjust… Read more

the sum insured and increase the excess. I pressed for an answer for the increase and the pathetic answer was that my multi policy discount of 10% was discontinued!! We are required to be honest about our details when taking out the policy but how dishonest are they about the unjustified premium increases?? At those premium increases, we are all heading to be uninsurable.

CHANGE EMAIL ADDRESS? no? - I have two vehicles insured with APIA. However, today, I was speaking with an APIA lady, who spoke with a VERY thick… Read more

Asian accent, (very hard to understand). It was not just me, as I was at the Smash Repairers, and the receptionist also (same call) could not clearly understand her English, of this APIA customer officer. So I am not hard of hearing! I was mainly frustrated though, at when giving her, my new email address - this same APIA lady, I felt instinctively, was not getting it down right, so asked her to repeat my email address, my suspicions were confirmed, she wrote it down wrongly, and I so kindly, repeated the email address for the third time, slowly and clearly again, I still got the impression that my email address was not being taken seriously. I asked repeatedly if she would send me a confirmation email. She said she would 'straight away' - I have now gone to the library, to check my emails and sure enough, no promised confirming email from APIA, that was promised to me. This is not the first time I have had difficulties in changing an email address with APIA. My mobile number for APIA is confirmed, and so to change my email address is :- [Content Removed] my new email address is this one I am using for Product Review, - [Content Removed] - Please change my previous email to this new email APIA? Also after you change my email address, please, confirm my booking with new Smash Repairer, as I have already requested. lf you want further details APIA, do please email me at;- [Content Removed] - Is anyone willing to help me at APIA? UTE ([Details Removed]) POLICY NUMBER [Details Removed] --- AND ---CAR ( rego number [Content Removed]) POLICY NUMBER [Details Removed] ([Name Removed][Details Removed])

A word of advice to all those people who have Home and Contents renewals coming up. Make sure you have a good look at the premiums and don’t just let it roll over especially if you have it on a direct debit. We got the renewal for our home last night and the yearly premium has gone up by $609 (no claims). We have been with APIA for many years but will absolutely be doing some serious investigation before the renewal date. Show details

I have been with Apia for 11 years foe motor vehicle and home contents insurance. I have had 3 motor vehicle write offs and just recently a contents theft claim....EVERY has been done with professional, friendly and understanding staff....a big shout out to Jag who assisted in finalizing my contents claim today 01/04/2026. Under 2 weeks to… Read more

resolve the claim. Apia have always been very competitive with premiums for all my policies...I am 72 yrs old would not hesitate to recommend you give Apia a go

Apia preys on the elderly. They initialy give reasonable insurance rates. Once thet have you as a customer they charge exhorbitant insurance fees prices going up nearly 50% every year. Shame on you APIA Show details

Took over my elderly mother’s policy because she didn’t like dealing with them. I can now see why. Absolutely horrible people to deal with. Takes months for any progress on claims. Takes weeks for them to get back to you about progress of claims and when they do it’s by someone in another country who’s first language is definitely not English. I don’t believe there could be a worse insurance company to deal with. Show details

If I can give a zero as a review I would, the customer service was shocking and disgraceful especially someone that hasn't made a claim in 5 years what a joke I will never go with them again Show details

Was rather miffed when our insurance premiums jumped from 2k to nearly 4k per year with hardly a claim over the past 10 years. However a minor car accident and recently a burst internal water pipe and the resulting damage caused was handled most effectively by APIA Show details

They were excellent value but the last 2 years premiums have gone up massively . Tried to lower building amount online this year for 2026 .I lowered last year easily online .Doing a lot of research. I have been overinsured. As a pensioner I can no longer keep paying their huge premiums. But I Cant seem to do it online . I Will have to phone them… Read more

. They used to be prompt &pleasant. Could someone tell me if phoning now is easy , or hard as The website is not easy now , where it once was. Been with them for a lot of years . Have never had a claim on any insurance .

1 star not deserved. This is the most difficult website to navigate with way too many verification codes. I'm acting as POA for a family member and I'm not over 50, expensive policy and very hard to navigate. Show details

I have changed my House & Contents Insurance, saving over 1k per year. Excess payments are significantly less & the overall experience with the friendly customer service team was nothing short of outstanding. Show details

More information gathering. Just attach a pdf to the multiple emails you send through reminding people to pay, instead of forcing people to register and sign your privacy policy, allowing you to use their data. Unnecessarily complicating what should be a simple process. Then not letting me review you without again filling in data and signing… Read more

policy agreement. I also saved $600 dollars by allowing the policy to expire by one day and reapplying for the same policy. Loyalty tax at work.

Claiming refund after death of policy holder - was told death certificate needed for refund back to date of death. Then told death certificate not required, just email details of deceased. THEN asked for settlement details - irrelevant because no property sale involved. Explained this via email then got same request AGAIN. Have spent half a… Read more

day on phone online to resolve THEN told to provide whatever info I have about lease. When I asked for clarification of exactly what was needed, was asked for lease details that don't exist. Then told it's a problem because a partial refund was done so long ago - last year!

I did what I was told. Multiple times. My time has been wasted. So disrespectful. Do you really want to risk hurting your loved ones with this insurer?

Hang your heads in shame.

Absolute thieves. Been taking advantage of my elderly parents. Hone & Contents Insurance yearly premium over $3000!!!... Same cover with Budget Direct only $1600 yearly. APIA do NOT care about Pensioners... it's a ripp off Show details

Rip off artists. Have been over charging my elderly parents for years. Changed to Budget Direct.... $3000 pa CHEAPER for same level of cover. Don't go near APIA... they are ripping off elderly. Absolute disgrace. Show details

Am only giving 1 star as it doesn't allow me to go any lower. Save you money and your sanity stay away from this incompetent and scheming pathetic excuse for an insurance company. Happy to take your money but when you want to make a claim they will deny it. Will introduce countless barriers and time wasting until you just give up. My claim took over 12 months to resolve and was only finalised through assistance from AFCA . Show details

Do not insure with APIA for landlord insurance, Worst service ever. Does not cover damage even though it is clear damage. States must be malicious damage only. Does not cover rent coverage even though the place was not rentable at the state it was left. Asked for a letter stating it was rentable at the time of assessment - refused to provide such… Read more

a letter. Did not correct processing errors where a cash settlement was offered below the excess thus if accepted makes the insurance company money! - ADMITTED THIS SHOULD HAVE BEEN OFFERED!! SENIOR CITIZENS STAY AWAY FROM THIE INSURANCE COMPANY AS APIA DONT LOOK AFTER US! Pointed out errors and acknowledged the errors in the appeal claim but claim was not approved. This company has to put on the website for landlords insurance that they only cover malicious damage as defined by them.

the time taken to call for a customer service person takes ages to get through. there are the normal identity questions, plus a few, then there is a lengthy advertisement and then eventually you get to the operator. Show details

This insurance company has been absolutely terrible to my elderly mother. Her oven caught on fire due to fault in motor. Both cupboards on each side were also burnt. It’s been months and now they want to send a builder out. Why?? This is the second person they have sent. The oven could of been replaced for the cost of all these tradesman. They… Read more

treat the elderly terribly and take advantage. I will be taking this further and posting about this scamming company on multiple web sites and warning others not to use them for insurance. My mother has been without an oven for months in the middle of winter. No way to cook healthy meals. Furious!! Shocking behaviour towards the elderly! Needs to be on A Currant Affair!

This year my home and contents policy went up 50%. $2204 to $3177. How can an of increase 50% in one year be possible unless its a money grab from NON-Claiming customers to help pay for APIA losses due to natural disasters in other areas in Australia. Show details

We recently we had a tree badly damage our front brush fence as a result of storm damage. I was very impressed by the way the claim was handled and by the prompt payment. Going by the experience with this claim I have no hesitation in recommending APIA as a reliable insurer. Show details

Contact Apia insurance as l have been with them for very long time and when you try to claim as the plaster ceiling roof was falling in in my garage they just keep mucking me around with my claim because l don’t live in Melbourne and l ask for a assessment to come out to check on the plaster falling they didn’t sent one l must rang this company… Read more

over 50 times and Suncorp which owe Apia is Disgrace they send a build out then they send another build out then they just repaired it by put wood planks of wood with screws in to garage roof for a temporary fix to secure it so it wouldn’t fall down any more they cut away half of garage roof plaster that already had fallen down and left it like that and after many more phone calls they send out another build still not fill and phone call and emails it was just a waste of time they didn’t do there job to fix my roof and you pay insurance and then they try not to fix it that the way they fix things Apia they take your money but when something happens they don’t fix it all the excuses under the sun just phone call and Emails no results but Ron

Apia’s handling of my parents’ insurance policies following my father’s death and my mother’s incapacitation due to Alzheimer’s has been beyond appalling. I submitted all required legal documents, including a medical certificate and Power of Attorney, yet I was met with robotic, contradictory replies and outright refusal to act. Not only did they… Read more

fail to read the documentation properly, they responded with infuriating condescension and no understanding of the law or human compassion. I have never encountered a more frustrating or distressing experience with an insurer. If you’re looking for competence, decency, or even just basic logic, look elsewhere.