I had very good service with my car insurance claim.
I had to lodge a claim and it was in my opinion an easy and quite straight forward process, it was only minor damage to be repaired on our car but it was all done in 4 working days, I'm very impressed.
I have been with APIA for over 20 years and I will continue to stay with them because I'm a loyal customer and I have no reason to change insurance companies, thankyou to the staff at APIA.
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.
Thought they could get by me with exorbitant renewal notice
Apia renewal was $850 and i shop around to compare the market. Compare the market research said woolies was cheaper but woolies insurance is owned by two brothers in South Africa. Budget Direct was next best so went with them. Just discovered they are owned by a African group also. Will change again next year. Budget total cost $520, better agreed value and 8000 klm limit
Shop around no customer loyalty with Apia
Have been with Apia since I got my new car in the beginning of 2014. Each year my car depreciated but up up up went my monthly insurance. Now it's become ridiculous. Called and got spoken to like I'm an idiot with excuses that didn't wash. Shopped around and got exactly the same insurance with another well known and respected insurer for $230 a year less. Apia, seriously, you should be rewarding customer loyalty, not punishing it. Never again.
I wouldn't insure anywhere else.
I've been with APIA many years. Not sure how they compare premium cost-wise. However, they appear to be very competitive, if not better, than most I've tried over the years. What I can commend APIA on, is their claim procedure, which has been excellent. For example my last claim went like this: -
- I had an accident midday on a Friday:
- I phoned APIA about 2:00pm the same day:
- APIA asked me if the following Monday (3 days later) would be OK to do the repairs. Yes, I had to use their repairer (one reviewer felt this was not acceptable); ...
APIA...not for Seniors!
I have been insured with APIA for a few yrs now, and , at first, they were top notch. Now, my car insurance premiums have risen a LOT! ON enquiring why, I was given the usual blurb about their superior cover etc, which is untrue, as I discovered that I am not even covered for windshield damage. The fact that my cars' value is reducing, thus means a smaller payout from them, should my car be written off..and so on. I have had various quotes, but will probably go with CGU, via my Credit Union...about $20 p/mth cheaper, and with better cover.
Not the right insurance
I was shocked to find out that my APIA policy allows no choice of repairer. This meant that I had to risk sending my still under warranty Toyota Landcruiser 200 to be repaired by their one and only approved vehicle body repairer in my area. No choice whatsoever. Most insurers offer choice and have a long list of approved repairers. I wanted my vehicle repaired by a Toyota factory approved repairer and had a very reasonable quote for modest damage. After explaining my concerns to APIA they eventaully agreed to consider my quote, but on condition...I first pay the full amount myself (nothwithstanding the $600,00 already paid). They would then reimburse me what they think is reasonable, In the end considered to pay Toyota approved panel shop myself and withdraw the claim. However, their friendly dispute resolution team, allowed my repairer's quote and resolved the matter. Be aware to check your policy with APIA, especially those of you with expensive and newer vehicles that require specialist care when damaged. You are locked in with their selected repairer.
Apia claim to be for the senior’s in Australia. In my experience they are far from that. Not once since I have been with them have they got my insurance details correct, nor have they insured me for the correct amount. To add insult to injury my insurance policy was cancelled due to non-payment, which I was not aware of.
This kind of greedy and incompetent insurance company is not for the seniors but purely for the shareholders. Don’t let the smarmy ads and the bright talk fool you. They are giving nothing away and taking as much as possible whilst doing as little as they can.
No hassles and no fuss. Truly fantastic.
Very good experience. No problems. They listen to your problems and solve them. The operators are sympathetic and help make things better.
Fast, efficient, compassionate
I was rear-ended in the morning of a Tuesday and got the guy's details. I contacted APIA that day, was asked to bring the car into their repair centre the next morning, was transported to the hire car company for my replacement vehicle and collected my car on the Friday (3 DAYS AFTER THE ACCIDENT!!!). Clearly it was a small bingle, but nonetheless upsetting.
There is no Fool like an Old Fool
I have recently gone "shopping" for a better car insurance online and I asked for a quote from few insurers.
I thought that APIA would be a good choice for us "oldies" as I am well over 50, never had and accident at fault, drive less than 10,000km per year and have a safe parking option.
I got quote from RACQ for $379, Budget Direct for $393, quite a few others for up to $450 and APIA hit me with $530!. Wow! What a privilege!
It seems they think we are all Altzheimer's sufferers.
I'll stay away from them.
The worst car insurance company on the market
This insurer is set up to rip off pensioners!
I had an accident which clearly was not my fault. Apia forced me to go to their own panel beater, who took 2 months to repair what was fairly minor damage.
During this time, they did not offer me a replacement vehicle (majority of insurance companies offer a complimentary hire car when the accident is not your fault).
They tried to make me excess on several occasions even though I was very clearly rear ended. It was finally determined that the accident was not my fault.
Their premium is an abosolute rip off. Over a period of 3 years the cost went up from $600 per year to approximately $950 per year, on the same vehicle, regardless that I am a rating 1 driver.
APIA leaves disabled woman; autistic child without car on school holidays due to surface hole in boo
If it was possible to give ZERO stars - i would.
I'm happy Not, with how this claim was handled, nor the decisions and here's why,
1. I made a claim on my car to have boot fixed due to hole on surface of boot, which i was already upset about ;
I then had to pay $600 deposit for repair on my part, BEFORE the repair was evaluated.
(This is one reason for the low rating)
Why they ask for the money first, before it's even been evaluated is beyond my comprehension.
(As far as i know- this money has NOT been refunded):
2. Friday afterno...on i receive phone call - boot hole too expensive to fix i'm told - $5,400 was the quote by THEIR assessor, classed as "Repairable Write off." due to the value of my car being $4,600. (2nd reason for the low rating)
Disgusted with the poor process of getting my refund and the run around I have received and the misleading information. The amount of money I was told I would get in refund has changed.
ABSOLUTELY UNJUSTIFIED PREMIUM HIKE
I have been with APIA for a number of years and I purchased a new vehicle in October 2017. I rolled over the insurance from an older vehicle with the payments quoted at $55.00 per month. I am just gobsmacked that on my renewal notice the payments have gone to $130.00 per month or $1630.00 per year for absolutely no reason. I've had no claims, good driving history ,etc. They can't give me a really valid reason, probably hoping I wouldn't notice the massive increase in the monthly debit.
I have rang around and gotten many quotes in the $500.00 to $600.00 range.
Don't believe their hype about offering a better deal for older drivers and shop around. I'm 65 by the way.
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|
Other Car Insurance
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