Sloppy, slow and slack.
I was charged twice when I had to renew my green slip. Over two weeks have passed and it is still not sorted. After 4 calls and unreasonable wait times, I have now been advised I have to show proof of the payments, even though it was confirmed with my bank. I requested to be contacted and updated regarding this issue, but that is too much to ask of Apia. I have experienced lack of communication before, and that is why I moved my other two policies over to another seniors company. The customer service there is exemplary.
Apia stole my car by constantly reducing the agreed value
I insured our 2006 subaru forester xt luxury three years ago for around 15,000 then over the next three years apia continually reduced the agreed value i did not read my policy every year but did mention to apia about the devaluation of the car and was told it is what it is.
So now this car with only 65 klms on the odometer and stacked full of features OME plus much more after market including satnav 5th spare mag wheel and more and apia agreed value was 7000 for a car you could not buy in this condition or mileage for under 13,000 - 14,000.
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
Claims handled very poorly
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.
36% price jump for moving house
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
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.
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 !!!
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...
ANOTHER UNHAPPY CUSTOMER
NEVER DEAL WITH THESE SCAMMERS!!! Brand new car worth $37,800 with under 300kms was rear ended 4 days after purchase date with minimum $26,000 worth of damage including the chassis which voids all my 7 year warranty so instead of a replacement vehicle they want to fix it, if I wanted a second hand car I would have bought one! They go against what you as the customer want! Lawyers are getting involved to solve this matter because they’re too incompetent to do so professionally! Spread the word and go with any other company!!!
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.
16% increase in premium is excessive
Received my renewal notice and was initially surprised at the increase in the premium. On further perusal of the documentation it came to light that my car was insured for the same amount as the previous year (I don’t think a Camry would hold its value, but maybe they do), but more surprising was the 16% increase . There was a blurb as to why this was the case, but sorry, the blurb did not wash. I did phone and advised that I would be cancelling the policy, as I had got a quote over the phone from RACV for some $240 less. Exactly the same mark...et value and excess, so apples compared to apples. The officer came back with a loyalty discount of $40 odd. Given I currently have 2 vehicles both Insured with APIA for over 6 years, no explanation was given as to why the supposed loyalty discount was not applied in the first instance. I do not believe that APIA really has the interests of seniors and pensioners at heart. APIA’s interest is APIA’s, but clever marketing implies they are looking after the seniors market . Shop around, get some quotes , you will be surprised.
Wouldn't touch it with my enemy's vehicle
Shocking service & result. They wrote off my car without even phoning me so the first I knew of what was going on was when I got notification from the Dept of Transport of my plates being returned! So started 3 months of absolute hell-waiting hours to get through then,dealing with people who had no authority to speak with me. Supervisor telling me I was wrong & that my number plates were still on my vehicle!?! Saying she would call me back & never did. Passed on to second Supervisor. Same treatment. At 61 years of age, after weeks of being mes...sed around,I had to get my male Friend to act on my behalf in order to start resolution happening!An Absolute disgrace Apia,you should be ashamed of yourselves! Wake up! This is 2020!!! Then... the First Assessor, again,couldn't do anything so I was passed on to next one! Apia only got one quote & what a surprise! It was $1000 more than the value of my car,according to the "repairers" they use. Eventually,this Assessor said I must pay the $500 to get my own vehicle back & that he would put in a separate Claim for payment to get my vehicle back on the road,plus extra for the time & effort I had to go to in order to get my car back. I said didn't want to take payment before EVERYTHING was finalized with Apia.He assured me that this was the best way forward & that I would "more likely than not" receive payment for the new claim,especially as it would be reviewed by an "independent & unbiased" reviewer. So I trusted him. Took the money,minus what they charged me for my own car & took my car to my own Mechanics. What champions! Magnificent Martino's! They got the new parts within 5 days that Apia's "repairers" said they couldn't get! Martinos fixed my car plus did extra such as fitting s new wheel strut as an extra safety precaution -which was not quoted for by Apia's "repairers". They fixed all the scrapes & scratches on my precious Little Car & gave me 2 new tyres,that needed replacing & weren't covered by Apia's quote! They comprehensively checked my car over & paid to take it over the Pits for me. And.... Came in at $2107.45 CHEAPER THAN APIA'S "repairers" QUOTE!!! And I got my car back within 8 days!!! Not 3.5 MONTHS!!! And,I am very pleased to say... She's driving like a dream. I am so glad that she wasn't scrapped or sold to someone else for less than what I had to buy her back for. And,guess what??? My "other" claim was turned down by the "independent,unbiased reviewer in an email with a "Suncorp" letterhead!!!!! I phoned to cancel the other policies I had with Apia this morning & was so relieved to put the phone down after I was again told "that Apia always do their very best for each & every Customer of theirs & that she is sorry that "I FEEL that they didn't treat me well"?!? REALLY??? How would she even begin to know how I was treated! STOP putting the blame on your Customers & START treating them well,especially loyal & faithful Customers!! When &/if you mess up,please acknowledge that honestly & openly & rectify ASAP & don't try to hide behind "fine print". WRONG is WRONG & never can be RIGHT,no matter what! Very disappointing treatment. I will DEFINITELY NEVER BE BACK FOR MORE! And,wouldn't recommend Apia to my worst enemy.
Dishonest, incompetent, inefficient, infuriating overseas call centre
They insisted that I use their repairer and that I had selected this option on the original policy . I asked several times for a PDF of the policy but it never came.
They have a call centre in The Philippines staffed by people with poor English skills.They made numerous mistakes which were IMPOSSIBLE to sort out because of the language skills.
I found myself doing a lot of the work that they should have done.
Two final points:
1. Don't ever ever use Apia.
2. Don t believe the good reviews. The word choice, style of expression etc point to them being written by 1 or 2 individuals but you probably guessed that.
Very long time to get car assessed
had my parked car damaged badly 2 weeks ago and have been told still has not been assessed I find this far too long to wait, not happy with time
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.
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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