Slow and disinterested service
25 days since the collision and my car has just been assessed. Then advised the panels have now got to be dismantled to find if further damage. How can they assess without dismantling the car? I was advised the repair could be three months or more. I asked can I put my insurance payments on hold as the claim has been accepted and I need to buy another car and cannot afford to pay for two car insurances, the answer was no. So I pay insurance on a car that is locked in a building and the building has its own insurance.
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.
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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...
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.
Do your research peoples!
I had a no claim 18 year history with them. I also have an impeccable driving record and an immaculate high powered vehicle. and yes, I know how to drive. Had an accident, the other parties fault and they admitted liability, so you think things would go through smoothly, but oh no!! To cut a very long story short, APIA didn't cover me for the cost of replacement parts, (they had reworded their product disclosure information to exclude these parts) and I ended up being substantially out of pocket, not to mention my car devalued by their ridic...ulous makedo suggestions, and then was off the road for months. It was a simple fix!! This claim was the fault of the other driver, the insurer accepted liability, say what? It was all about APIA recovering their costs from the other insurer. Nevermind I had being paying 18 years worth of high premiums! Their behaviour was evasive and condescending, then I was told that I stressed them out too much and that I should speak to the at fault driver's insurer, unbelievable!!! I paid them to provide a service to me!!! I took the matter to the Financial Ombudsmen Services, winner, winner, and absolutely first class service from them. I am sure APIA hope their disgruntled policy holders will not fight the fight. Let me tell you, APIA, I still have a brain and a voice. Your service is disgraceful, and you penalise loyalty, when you should be rewarding it. Give this insurer a big miss, I went with the same insurer as the at fault driver used and made sure they didn't fall under the same umbrella as APIA.....do your research peoples.
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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