Best service ever
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 !
Handling of my claim
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
parents made a claim they did not get rejected but they got told the accident does not make any sense we won't fix all of it.
and it has been longer than 3 months we're still waiting. It's going to cost us $7000+
Car has run out of rego and it's due for blue slip.
I can't touch the car until the insurance have worked out how much they want to pay.
Insurance is a waste of time and money in this pandemic you think you are covered.
no I don't think so.
I've had to go and buy a car because they told us we're not covered for car hire I'm pretty sure we were....old car and hold it's value up. not many like it. We purchased this car for $9000 we spend $7000.it was insured for 12000 we look at a new policy it went down to 8000. My father is furious he did not expect that to happen in 4 years.
APIA are for themselves..NOT Pensioners
I have been a customer with APIA for a couple of years and have had an impeccable driving record for 55 years and have NEVER claimed on an insurance policy...some weeks ago I had my car damaged by a driver on a Fork lift and was told by APIA's assessor that the car is a write off & the accident was not my fault , therefore I would not have to pay the $600 excess.... APIA has paid my claim minus the $600 excess ( I have had a promise that they will try to get the excess back from the party at fault-- I won't hold my breath) and also deducted...the 10 remaining monthly payments amounting to around $300...and now,even though I have been ripped off for $900 they have today continued to take a further the monthly payment for my vehicle which is written off.......My advice is DO NOT TO DEAL WITH THEM...
APIA were easy to deal with, delivered what they promised. I am very impressed
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.
Screwed Over Big Time
My original policy enabled me to pick my repairer, which I had previously done. Tried this June and I was told I had received a PDF that my policy had changed. Yeah, NA. Apia's preferred repairer is Capital Smart (who don't work on a Friday). My guy was ready to go and provide a courtesy car. We had planned to go away, before the 2nd lock down and I felt I didn't have time up my sleeve for the Ombudsman. Was going to pick my car up on a Thursday, got a call manager wasn't satisfied with the paint job and I could pick it up Monday. Okay, that se...emed like a good thing. However, Monday came and I was told they had received the wrong bonnet...pick it up Tuesday. Tuesday came and I was told, you never will believe this...they sent the wrong bonnet again. All this time I was paying for a hire car, as my guy always had a courtesy car. I rang Apia, told them the story and they assured me my car would be ready Wednesday. It was ready Wednesday and a consultant offered me $200 for being mucked around so much. Go to drop my husband at work....passenger side door won't open (this makes my car un-roadworthy). Back on the phone again, told consultant and got the answer "we can tow you"...excellent, I need a tow to the supermarket and back. Took car to my guy and he listed 13 things that weren't up to scratch. The back story is, I lost my job and a consultant rang me about job seeker. All in all Apia has 1. Cost me my job 2. Cost me hire car fees 3. Got back an un-roadworthy car. Now that I am no longer working, I am passing this on to the Ombudsman. I am waiting for "their assessor" to contact me. Hell will freeze over before I take my car back to Capital Not so Smart.
Getting older doesn't mean I got lobotomised to good service!
Turning 50 recently, I switched my car insurance over to APIA, looking to benefit from lower premiums, what I didn't realise was the true cost of switching.
Needing to fix my vehicle after a minor accident, the service I've encountered has been nothing by a disaster. Having to leave my vehicle for days on end for inspection assessment, needing to go to multiple repairers, waiting weeks to have it fixed and having to travel +40 mins to the nearest repair who could do the work. The time and money wasted can't justifies the small cost saving.
Their ad says 'I wish that I knew what I know now', too right. Don't use APIA, you pay for what you get. Going back to Coles Car insurance by far a better offering.
Would definitely recommend APIA car insurance
We lodged an online claim on Sunday afternoon, APIA rang back on Monday and the car got picked up by a tow truck within an hour or so. As we live in country Tas this is quite remarkable. Car was taken to be assessed. Since it was written-off we had pay-out in our bank account by Friday of the same week. Super quick and friendly.
- Car Insurance - Comprehensive
Thank you again APIA, lifesavers and tremendous to deal with.
I spoke about how I got car insurance with them in my house & contents insurance review on this site. I am now very glad I got car insurance too... as APIA continues to shine. This time it was for what ended up being a total write off on my motor vehicle, just before Chrissy in 2019. This claim has now been paid, and is in my account.
APIA sends you off to SMART for the assessment and the fix of your car if it is not too difficult. In this case upon initial inspection mine proved to be, and it went to another repairer who deals with the bigger...and more complex evaluations. Both car assessment/repair entities here (in SE Qld) were highly professional, great communicators and rapid. The whole thing was made utterly painless by APIA (especially after the initial trauma of it all) and they were 5 star sterling in their service the whole time. Yes motor is a different division to house. But they did this perfect job whilst the whole house insurance sector is undoubtedly simultaneously reeling from payouts for the massive fires and home losses of late 2019. Wow. Thank you APIA--I still just cannot recommend them enough.
After over 40 years of driving just had my first claim, the accident happened last Tuesday APIA told me to take the car to THEIR "approved repairer" Capital Smart an hour away in Booragoon I arrived on the Wednesday and they took one look and said we cant fix this here and sent it to their other depot THREE days later I get a call to say they cant fix it either so they then sent it to yet another repairer who even now haven't even LOOKED at it I rang APIA to speak to a manager and lodge a complaint I was assured they would call me back and gue...ss what not a peep the took the excess instantly but now it seems I can wait and why not they've got the cash, it's as the song goes "wish I knew what I know now " how true. Shame on you APIA seriously not happy...
Pleasant staff, very efficient.
Been with them 2.5 years, low prices, protected No claim bonus on both our cars. Partner went to their recommended repairer who unfortunately painted the rear bumper the wrong colour! [It was the original 6 yea ar old colour,but the car naturally had faded, & they did not match it. I did not notice until 2 months later.] Apart from that, they have been great.
You Cost Us Money
Apia is happy to take you money and for the last 4 years I agreed to the premiums charged.
Unfortunately I had a claim on a caravan because of a break in & theft. Apia advised 2 repairers they deal with and both a fair distance from where I live; neither said they would do the job, no reason given.
Major debates with staff who did not know the left hand from their right and so much miss information.
Found a repairer close to home and advised Apia and you guessed it "their one of our preferred repairers" really. So now time for the renewals, pre...
Terrific service !
Within days of lodging an on-line claim we were contacted by Apia and literally wheels were set into motion to repair the damage as soon as possible. Booked into the repairers a couple of days later. Dropped of the car, Apia organised Uber to the nearest Hertz rental to keep us mobile. Three days later and despite an overlapping weekend, I was called to say the car was ready. Once again Uber was waiting at Hertz to take us to the repairers, who offer a Life-time guarantee on the repair! The whole process was seamlessly with minimum of fuss. The car looked was perfect. Top rating for this service, which we think was value for money.
Excellent claims experience
I recently had to claim on our car insurance with APIA - was a minor accident but still worrying as we were concerned about getting things sorted, car in for repairs etc. We needn't have worried. From the time we submitted claim over the phone it was all handled efficiently by very helpful staff. The repair was done by a very good company (Capital Smart @ Seven Hills) & all went well. I am very happy with APIA & can recommend them for great claims action. Their premiums are very competitive but it really is more important that your insurer is prompt & reliable when you have to make a claim.
Cannot fault the service - exemplary!
I have just filled in a survey from another financial institution offering insurance, asking if I were in charge, what would I do to make their insurance products attractive. Below is what I wrote....
"Build as good a reputation as I possibly could. My personal experience with APIA is that they are outstanding. The speed and compassion with which they have fulfilled my claims I am truly surprised by. I take every opportunity to tell my friends how unlike a stereotypical insurance company they are. It would take a lot of convincing for me to m...ove from them to another insurance company, even to xxxxxxx, who I also have high regard for." I am very surprised and disappointed that my experience is not shared by all. It is almost like there are two different companies using the same name. Nevertheless, I shall continue to use APIA while my personal experiences are positive.
Questions & Answers
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!
my car has been scratched on boot. if i make a claim do the premiums rise
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|Category||Roadside Assistance Providers and Car Insurance||Roadside Assistance Providers and Car Insurance||Roadside Assistance Providers and Car Insurance|
|Other Insurance Types Offered||Funeral, Health, Home and Contents and Travel||Funeral, Health, Home and Contents and Travel||Funeral, Health, Home and Contents and Travel|
|Coverage Type||Comprehensive||Third Party Property Damage||Third Party, Fire and Theft|
|Legal Liability Cover||Included up to $20 million||Included up to $20 million||Included up to $20 million|
|Roadside Assistance||Optional Extra||Not Offered||Not Offered|
|Reduced or Zero Excess Windscreen Cover||Zero Excess Optional Extra||Not Offered||Not Offered|
|Choice of Repairer||Allowed||Allowed||Allowed|
|After Accident Care|
|Hire Car after an Incident|
Optional extra, up to $90 per day for unlimited days
|Emergency Transport & Accommodation||Included up to $500||Included up to $500||Included up to $500 for Fire & Theft only|
|Towing Costs||Included||Not Included||Included|
|Hire Car after a No Fault Accident|
Included up to 21 days
Included up to 21 days
|Essential / Emergency Repairs||Included up to $500||Not Included||Included up to $500 for Fire & Theft only|
|Pay As You Drive / Fixed Kilometre Discount||Not Offered||Not Offered||Not Offered|
|Hire Car after Theft|
Included up to 21 days
Included up to 21 days
|Lock and Key Replacement||Included up to $1,000||Not Included||Included up to $1,000|
|Transit Cover||Not Included||Not Included||Not Included|
|Trailer & Caravan Cover||Included up to $2,000||Not Included||Not Included|
|Child Safety Seats and Prams||Included as part of Personal Property cover, up to $1,000||Not Included||Included as part of Personal Property cover, for Fire & Theft only|
|New-for-old Car Replacement|
Earlier than 10 years old
|Personal Property Cover||Included up to a total of $1,000 (combined with Child Seats / Prams)||Not Included||Included up to a total of $1,000 for Fire & Theft only|
|Uninsured Motorist Benefit||Not Applicable||Included up to $5,000||Included up to $5,000|
|Accidental Loss or Damage|
|Malicious Damage / Vandalism||Included||Not Included||Not Included|
|Collision||Included||Not Included||Not Included|
|Natural Events||Included||Not Included||Not Included|
|Theft or Attempted Theft||Included||Not Included||Included|
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