1 photo
APIA Car Insurance - Comprehensive

APIA Car Insurance - Comprehensive

2.4 from 45 reviews · View Statistics

How to compare car insurance to find the best policy for you

With so many car insurance providers and policies on the market, dipping into the policy pool can be confusing. Use this guide for tips on how to find the car insurance that's ideal for you.

Read now
Buying Guide Banner

Reviews

2.4

45 reviews
  • Value for Money
    2.7 (34)
  • Customer Service
    2.9 (34)
  • Timeliness
    2.6 (20)
  • Job Satisfaction
    2.0 (8)
  • Transparency
    2.7 (27)
  • Claim Resolution Time
    • <1 week (5)
    • 1-2 weeks (4)
    • 2-4 weeks (3)
    • 1-2 months (1)
    • 3+ months (6)
  • Claim ApprovedYes (17) · No (2)
Previous
Next
GFW
GFWGreater Melbourne (Metropolitan), VIC
  • 6 reviews
  • 2 likes

Customer Service Excellent

published

Discussed comprehensive car insurance renewal this morning. Achieved a very good renewal quote. Excellent Lady customer service person. I have been an Apia customer for many years and will remain so.

Incentivised ReviewNo
Insurance TypeComprehensive
Denis Brady
Denis BradyGippsland, VIC

Quick and easy to set up

published

I found the whole process of taking out the policy to be hassle free.The policy was set up within a few minutes and is good value for money.I would recommend Apia to others.

Value for Money
Customer Service
Other Car Insurance

 
 

0.0
(1,234)
Keith
KeithGreater Melbourne (Outer), VIC
  • 5 reviews
  • 4 likes

Best service ever

published

Our car was subject to a no fault carpark collision. We submitted the claim on line and received an immediate assessment date and booking. The whole process was seamless and ultra quick through Capital Smart. Well done Apia, this is how business should be done.
Our newly repaired vehicle was even delivered back to our home free of charge !

Value for Money
Timeliness
Car Insurance

Find out how APIA Car Insurance - Comprehensive compares to other Car Insurance

Know better, choose better.

Compare all
Graham
GrahamGreater Melbourne (Inner), VIC
  • 4 reviews
  • 2 likes

Apia stole my car by constantly reducing the agreed value

published
Value for Money
Customer Service
Jayantha
JayanthaSydney, NSW

Handling of my claim

published

Extremely disappointed that Apia disregarded my version and even the photo I submitted.Despite several discussions I felt badly treated and let down by APia.THey just would not listen.very sad that they treat their clients so badly

Value for Money
Customer Service
Related Articles
Previous

Best Super Funds in 2020!

A good super fund can make a substanial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the best super funds of 2020!

Wendy Z.
Wendy Z.7 Nov 2019
best-super-funds-in-2020

Best Credit Cards in 2020!

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the best credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.19 Nov 2019
best-credit-cards-in-2020

We compared reviews on the Top 5 Most Popular Car Insurance Providers

If you’re looking for cheap car insurance that's also reliable, ProductReview.com.au can help. We’ve sifted through 1000s of car insurance reviews on Budget Direct, AAMI, youi, Woolworths and Australian Seniors. Simply read on for a summary of what drivers liked the most and least about these top five most viewed providers.

Avleen M.
Avleen M.1 June 2020
we-compared-reviews-on-the-top-5-most-popular-car-insurance-providers
Next
Wayne Burgess
Wayne Burgess
  • 4 reviews

Very disappointed

published

I have had comprehensive car insurance and house and contents insurance with APIA for quite a few years and have never made a claim. I was surprised and disappointed when I received my car insurance renewal notice and found it had gone up by 14.9% while the agreed value went down. APIA was over $150 dollars more than the online quote from another company for comparable cover with a much higher agreed value. When I phoned APIA i was only offered a $40 discount. So very disappointed. Might need to switch companies for House and Contents insurance as well.

Value for Money
Customer Service
Miriam
MiriamNew South Wales

Claims handled very poorly

published

I live in a semi-rural area, near a medium sized city. My car was caught up in a recent flood a fortnight ago. Others in the area, with a different insurer, have had their claims finalised and are now driving their new cars. My car was in a holding yard for over a week and the claim is still not finalised and nobody tells me what is happening. Do not use this insurer if you don't live in a major city.

Value for Money
Customer Service

Neighbours address is cheaper!

published

My car insurance with Apia is due for renewal. I decided to change the amount insured so went online to compare different insured amounts. To my horror I accidentally typed my neighbour’s house number and found the quote was $60 p.a. cheaper than my house number, so I tried the house number across the road and it was even cheaper. Why???? I rang Apia and they could give no explanation other than it happens.

Value for Money
Customer Service
Other Car Insurance

 
 

0.0
(1,234)
Brock
BrockCairns
  • 6 reviews
  • 5 likes

36% price jump for moving house

published

Moved house from Far North Qld to Nambour on the Sunshine Coast and the insurance jumped 37% on our car. Nobody at Apia could explain why. Spent nearly an hour on the phone and cancelled the insurance as all three other companies we contacted were cheaper. This company is not helping retirees, in fact quite the reverse

Value for Money
Customer Service
Car Insurance

Find out how APIA Car Insurance - Comprehensive compares to other Car Insurance

Know better, choose better.

Compare all
Ziad
ZiadSydney, NSW
  • 5 reviews

Worst insurance

published
Value for Money
Customer Service
Howdy
HowdySomerton

New insurance

published

Just changed to APIA for my car insurance, half price of my old one. Thanks for the savings, easy to set up and great customer service. Look forward to many years of service.

Value for Money
Customer Service
swamprat96
swamprat96
  • 48 reviews
  • 21 likes

Good price way cheaper with a reasonable excess

published

Very simple to set up, great price and good extras. It's the second vehicle I've switched to APIA. Will be interesting to see the renewal next year and hope it stays a similar price

Incentivised ReviewNo
Insurance TypeComprehensive
Ciao Telstra !
Ciao Telstra !PERTH
  • 24 reviews
  • 27 likes

Hilarious Ripoff

published

I'm 55 - unblemished driving record - got a quote online and it was over $200 more expensive than other insurers. So don't be an over 55 sucker and believe you are getting a discount with this mob !!! AVOID !!!

Value for Money
Incentivised ReviewNo
Simon
SimonGold Coast
  • 2 reviews

APIA are for themselves..NOT Pensioners

published
Value for Money
Customer Service
Other Car Insurance

 
 

0.0
(1,234)
Robert Rath
Robert RathSydney
  • 4 reviews
  • 1 like

APIA were easy to deal with, delivered what they promised. I am very impressed

published

I am a relatively new APIA customer and found their prices competitive, the service very good, no fuss and good followup.
I plan to convert all my insurance to them over time.

Value for Money
Customer Service
Car Insurance

Find out how APIA Car Insurance - Comprehensive compares to other Car Insurance

Know better, choose better.

Compare all
Page 1 of 3
See all APIA Car Insurance reviews

Questions & Answers

Christine W.
Christine W.asked
Car Insurance - Comprehensive

I have lodged a claim with APIA, for damage to my car by a third party. But I was told by APIA that I have to pay the excess upfront, and I'll get it refunded "IF things work out with the third party"! I am having anxiety over the idea that I might get stuck with the $825 excess bill! This seems so wrong, when I'm the victim!

2 answers
New Customer
New Customer

Check your product disclosure statement. Good luck! I forwarded my bank statement to them 4 days ago showing I was charged twice for my CTP renewal. Still NO communication. Apia needs to be held to account!

Christine W.
Christine W.

Thanks. I will do that. Good luck with yours.

David
Davidasked
Car Insurance - Comprehensive

Hi want now about my car insura

No answers
See all APIA Car Insurance questions

Get an answer from our members and APIA representatives

APIA Car Insurance - Comprehensive

Details

Compare all 3 APIA Car Insurance
CategoryRoadside Assistance Providers and Car Insurance
Other Insurance Types Offered Funeral, Health, Home and Contents and Travel
Coverage TypeComprehensive
UnderwriterAAI
Legal Liability Cover Included up to $20 million
Roadside Assistance Optional Extra
Reduced or Zero Excess Windscreen CoverZero Excess Optional Extra
Choice of RepairerAllowed
After Accident Care
Hire Car after an Incident

Optional extra, up to $90 per day for unlimited days

Emergency Transport & AccommodationIncluded up to $500
Towing Costs Included
Hire Car after a No Fault Accident

Included up to 21 days

Essential / Emergency RepairsIncluded up to $500
Benefits
Pay As You Drive / Fixed Kilometre DiscountNot Offered
Hire Car after Theft

Included up to 21 days

Lock and Key ReplacementIncluded up to $1,000
Transit Cover Not Included
Trailer & Caravan CoverIncluded up to $2,000
Child Safety Seats and PramsIncluded as part of Personal Property cover, up to $1,000
New-for-old Car Replacement

Earlier than 10 years old

Personal Property CoverIncluded up to a total of $1,000 (combined with Child Seats / Prams)
Uninsured Motorist Benefit Not Applicable
Accidental Loss or Damage
Malicious Damage / VandalismIncluded
FireIncluded
CollisionIncluded
Natural EventsIncluded
Theft or Attempted TheftIncluded
Compare all 3 APIA Car Insurance
Visit official website

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.