Big premium increase
They have just bumped up my home & contents premium by 25%. No claims, not in a high risk area. I will be definitely shopping around for a better deal elsewhere.
They just bullied me till I gave up
I started a claim three years ago after I accidentally left a tap running and my parquet floor was damaged. At the time I was told I could not start the process if I had not paid the excess. Took me three years but I saved up thee excess. Made a claim. APIA staff have been awful to deal with. From being told I had to make an appointment with the assessor at a time that wasn’t suitable for me (they told me to get. key safe) to being told my claim would probably not be approved and they sent me two highlighted pages from my policy. I cannot ...understand why. Today was the final straw. I have advised them that it is too stressful so I have given up. I guess this was their plan all along. I will cancel my policy because there is no point even having insurance if I cannot even make a claim. Keep clear of them. And my premium is increasing by $16 per month. I am on a fixed income and this hurts. In mediation? How interesting. Haven’t heard a peep.
Great pricing on Home Insurance
Great customer experience. I was shopping around for a good deal and found Australian Pensioners Insurance to be the cheapest and great service. I will refer your company to my family and friends.
Skyrocketing Annual Premiums!
Have been with APIA for about 3 years for contents insurance. Have never made a claim. This year my annual premium rose by 24.9% In one year! I don't live in a bushfire area, or flood area, or high crime area. I jumped online and got quotes from half a dozen insurers all for less than half of what APIA was trying to charge me. Like for like. Of course I rang them. Got the usual spiel about how "their" costs had increased and that costs across the industry had increased etc etc, (like I could care?). I told them that I had received several quote...s 50% lower so that clearly wasn't true. Bottom line they offered me nothing. I had a similar experience with them with car insurance. I switched insurers and so far have saved hundreds. They lure you in with a low initial premium and then jack them up ruthlessly hoping you won't notice or can't be bothered changing. I just cannot understand why a company would want to punish good customers who haven't made any claims and pay their premiums on time. It's just idiotic business practice. Stay well away from this mob. I will NEVER be back!
Absolute disregard for the elderly
A 77 yrs old Gold Coast pensioner forced from co-vid quarantine to buy reading glasses after a claim that was approved is then denied by the investigations department. 14 months on and he's still being bullied and harassed. The very young so called investigations officer has thus far racially and religiously abused him with an APIA internal investigation and a whitewashed AFCA investigation stating that all was well. This insurance is spruiked for the elderly. Please do not refer to me as a customer. I'm just another victim.
Kay Cottee would have capsized !
Vulnerable person left in category 3 Blackwater for 6 weeks. Subsequently claim approved. Moved to hotel Accom which then became over 500 nights and more than 200Kfor accom costs? Emails from Aami confusing? Suncorp needs to get its act together. Claim still live , vulnerable people marketed too. Can anybody recommend a specialist legal advisor. Appalling effort and with an elderly person. Good luck if you are old and have no voice. Totally incompetent and out of touch.
Changing assessors and avoiding issues right to the end. Bathroom overflo...
nightmare to deal with
been with Apia for30+ years worst insurance company . Made a claim and the mask comes of. The real face is part of a horror movie. I wish that my nightmare finish quick.
Moved to APIA for Contents only cover. No claims so can't comment on that part of their service. Just received annual update notice and they want a 25% jump in premium with only a small (<5%) increase in cover.
Spent 15 minutes trying to get a reason for such a large increase and got the usual scripted rubbish. And attempts to "get the price down" by reducing the cover despite me saying I had no interest in doing so. The lady was very polite but was obviously following a script and would not be diverted so not at all helpful.
APIA are really no different to all other insurers in this regard but 20+% increase deserves a smack.
Photograph every item you own or they won’t pay it. They add $500 if you only stay at the house sometimes. AVOID.
I had much more to say in above section but they limited word.AVOID at all costs. Photographing all items is like moving house...or they won’t pay it. Happy to take your money though. They add $500 excess to your already excess if you only stay at the house sometimes. Worst company I’ve dealt with. I’ll be changing all my policies when this claim is finalised. They are meant to make it better and easier for older people but that’s just a lie. Now panicking about the things I’ve purchased online or elsewhere that I no longer have proof of purchase. Photographing everything you own of value is like moving house...way too many things...never had this issue with any other company, this insurance company sucks. AVOID like the plague.
Easy to deal with, fast processing
Put a claim in on a split system air con unit that was taken out by an electrical storm 3 weeks ago. All they asked for was the damage report from the air con guy who I got to look if he could fix it, and the quote for a replacement unit. Settled into my account the funds today, incl the cost of assessing the unit, would have been quicker if I hadn't misunderstood something.
Couldn't have been more satisfied, especially as the unit is at least 13 years old. They could have argued it wasn't the storm, although it had been running perfectly until the storm hit.
Worst insurance ever
My parents made a claimand they told my parents that the car has been in more than one accident we can't fix it but it was all in the same accident we had a car and a pole and they say this is not right we want fix your car. So much for insurance in this crisis
Worst value for money.
I'm still waiting for someone to contact me to solve my problem with a pier it's taking forever
Crooks, Thieves and Liars
Happy to take my money but not happy to pay the claim. Forced me to break covid quarantine to get reading glasses they would not replace. Eventually claim given to investigation department as they had misplaced original photos and details. Dealt with rude, arrogant and anti semetic youths. These guys prey on the elderly.
APIA is dishonest when paying claims
APIA claims technical troy stonehouse worst ever experience
disingenuous weasel out of claims APIA agreed to pay by their Claims team, dishonest,
DO NOT PURCHASE HOME OR LANDLORD INSURANCE FROM APIA
The reviewer stated that an incentive was offered for this review
Just Don't! You pay premiums - they don't pay claims.
Live in rural area and have water pump to house. Motor burnt out, so no water for three days while pump was assessed by repairer, (not repairable - no parts), and a new one installed. Submitted paperwork to APIA.
Phone call asked for old pump to be sent in for an independent assessment, because they don't trust supplier. They had a report and a tax invoice for replacement and I said that I didn't keep the old pump. They then said that without the pump I must be lying about the pump and they would not pay out. Very rude, demeaning and aggressive...
Claim for damage and theft
We’ve insured our home, contents & car with APIA for years and recently had to claim for some house damage and a bike stolen from our property.
The professionalism and courtesy we received was exemplary - we were listened to and dealt with in such a friendly & caring manner.
They did their due diligence and then the speed at which our claim was settled was unexpectedly surprising.
Thanks APIA, we’ll be recommending you to everyone!
This would have to be the worst Insurance Company that we have dealt with in 45 years. We lodged a claim for a glass pool fence ( 2 panels exploded) it has taken over 4 weeks to finalise as of today and this only happened because of the number of complaints I've made in addition to advising them I would escalate the complaint to the Ombudsman. The overall cost to replace the glass fence was $864 we had paid the excess of $600 3 weeks ago to the Insurance Company at their request. We also had to pay the extra $264 to the Provider as the Insuran...ce company had not approved the claim. In all we have to date paid for the full quote to repair. Subsequently due to the delay the job will not be completed now until the 18/12/20. This is creating an issue as we have small grandchildren visiting soon. We are now required to erect a safety fence at our own expense until the new glass panels can be replaced. This company does not respond or reply to messages that are left and on 2 occasions "The Manager" was not available to speak to when I called to discuss the delay. Inefficiency at its best I highly recommend avoiding them at all costs. We will be cancelling this policy we initially chose them as the premiums were lower for seniors. Old saying is you pay for what you get.
Worst insurance company Apia
Worst insurance company I have lodged a claim and is still being declined 11 months and I have lodged a complaint with the ombudsman they will use every excuse not to pay they are putting the blame on Sydney water now if you are thinking about insurance with them think again go else where.we have been with Apia for 6 years worst insurance company out and this is our first claim.the building company that they use D.W.Knox have the worst reviews but they still choose to use them .
What a disgrace! 28% increase in premium since last year for House & Contents. Have never made a claim. Have now cancelled this policy, There are equivalent products available by other reputable Insurers at much better rates.
Recently claimed on damage to my computer, which was attended to promptly and very efficiently.
Reimbursement arrived quickly - A very smooth process, especially impressed with the staff - Paul and others, who couldn't have been more helpful on this occasion. Thankyou APIA.
Privacy matters - does it?
Been dealing with these people for over 18 months. Communication between them and A1 their repairer poor. Tradies come to my house and ask me "what has to be done" because they have not been told according to them. A1 tradies ask me for photos that A1 took.
They refuse to discuss my claim when they call me until I prove who I am. I get the privacy requirement but shouldn't it apply to them too? They sent me someone else's Lifetime Guarantee with all their personal details on it, someone else's privacy agreement and a statement of work with the A1 quoted prices on it, not in one email, but over three separate emails.
I have been with them over 10 years I think. Not a fan but insurance companies are much of a muchness.
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, 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
Does my house insurance include the roof
How do you justify a 33% increase in my premium this year when inflation is so low and building costs are not rising?
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