"Happy Holidays". Whatever happened to Christmas
Was quite happy with APIA. But today received a so called Happy Holiday message. If they do not want to say Merry CHRISTMAS they have lost me. I will pay twice as much to get away from a mob that do not recognise the Christmas Holidays.
Okay until you want to make a claim
Been with them for many years. Damage caused by a tenant's (or owner's )dog not claimable. It has to be damage caused by a dog who runs into your house & causes damage. How often does this happen? It's totally ludicrous & ridiculous.. Took out Landlord insurance to cover any damage caused by a tenant. Asked for this insurance to be cancelled once the tenant left & I had returned to live in the property.(retaining the original House & Contents insurance) They did not only cancel the Landlord Insurance but cancelled ALL the insurance which I d...iscovered months later when I realised that no payments had been taken from my account via Direct Debit. If the house had burnt down during that time I would have lost everything. Not even an apology except to say that House & Contents Insurance is now called Landlord Insurance as is any other insurance taken out by an Owner to cover Buildings while a tenant is present. Totally confusing as far as Plain English is concerned difficult for this company BUT they are not confused about grabbing one's money when they need to. Why not just stick to House & Contents wording? It's pretty simple. Another lot of confusion with them. They said that Bond money left should be used for unpaid rent (this in complete opposition to what Tenancy Law says.) letting them out of accepting claims for unpaid rent . Also they do not accept any claim for unpaid rent for the 1st four weeks without giving a valid reason for this whilst stating that they would accept claims for up to 15 week's of unpaid rent..
Double the cost of insurance compared to 8 OTHERS we got quotes with.
We shopped around online 8 different insurance company's for home and contents insurance most all based on the same information and quotes where between $800 to $1100 but APIA quoted $1842 so I called them thinking I had entered the wrong information online the girl rechecked everything and said no it was correct I asked her how it could be more than double the price of 8 other insurers she told me the cost to rebuild our home was $850,000 we only paid $630,000 for home and land mind you, then she continued to say APIA where different and they ...cover more and rebuild a home better than other insurers and a whole lot of waffle on like this! I said you claim to be here for pensioners? and yet charge more than double than any other company? she just kept repeating her script she was obviously reading how they do things better and how they are very different from the other insurers and yes I have to say they certainly are different a BIG RIP OFF, I can't see who would pay more than double for an insurance premium especially a pensioner. We went with Budget Direct they were only $868 fully covered.
Apia customer Service is the best
Have been with APIA for a few years.
In March 2018 our home was damaged by a bushfire. There was extensive damage in the ceiling and half of the house which all needed replacing.
From the moment I phoned APIA about our claim to the day we moved back into our home 6 months later we could not fault this insurance company.
The Apia staff made a traumatic experience not so traumatic. Our thanks to all the staff and have to especially mention Nicole from head office who was always very helpful and professional. thankyou.
Thank you for your staff's kindness, patience and understanding. I spoke to several staff (Louise, Carmel but cannot remember all names) but all were very polite. Everything was sorted, changes made-all done. I have been a member for about 10 years (I think) and have always been treated with polite and friendly service. Congratulations to all your staff.
Careful - they 'double dip'
Just received annual home and contents policy. Premium has jumped by 20%. Contacted them to enquire as to the reason. It seems it's because our boundary fence was blown over during strong winds earlier this year, which we resultantly claimed for. I explained that we'd already been penalised with our payment of the excess. I was informed by their representative that it seems harsh, but that's APIA's policy. Hang on to your wallet!
APIA Customer Service - 5*****+
I myself have been a member for about 12 months my partner has been for about 8 years. We have had a few changes with policies and a claim. i don't think i have ever dealt with a company that has always been helpful honest and deals with whatever we have asked and sorted out the changes etc. Your staff a credit to you - take care of them as they do your business!
On Saturday morning I encompassed a flat battery.I was in a fairly isolated area staying with a friend on acreage. I called road assist which is part of my car insurance and from the commencement of the call I received friendly and helpful service. Within an hour I had a very friendly RACQ man (whom they obviously liaise with) to attend.
Great response to water damage
I bought a home in the Victoria high country and took out household/contents insurance with APIA when I signed the contract. I moved in two weeks after settlement to find that a hail storm had blocked gutters causing flood damage. APIA had contractor in immediately who pulled out carpet and removed sections of plasterboard. There was then a little confusion about the APIA contractor who was going to quote the repairs. This was sorted out and I ended up accepting the offer for a cash settlement so I could undertake the repairs with my own contra...ctor. I was planning to modify the area so that worked well for me. Apart from the minor communications glitch their claims staff were very helpful and their contractors were very professional. I have recently priced cover with Alianz which are almost half but I'll stick with APIA.
All good until you make a claim
For years we have paid them and when we need them they go though a series of “professional” assesses to find any excuse whether true or not to not pay up.
They are untouchable and aloft to us normal working people. We had a valid claim we had prof that it was not previous old damage but still nothing was paid out. It is a truely pathetic company designed to take vulnerable persons money .
If you are researching whether or not to use them?i say walk away while you can you would better of not paying insurance at all instead of relying on a false promise.
Great value for money, speedy resolution and friendly staff
Weve been APIA members for 15 years and they have been generous with our home and contents claims, approving just about every claim made to date. The staff are friendly, the process is simple and the time taken to resolve claims is quick! Our premiums are competitive and the access is very low for the price that we pay. All round - great company
Criminals set you up
Made up Dario to refuse claim. Can't see damage then offered a payout minimal and I fix everything.. Knowing it was serious throw you a couple of $ s.. to Fos.. And more leaks they knew exactly what was wrong or is fraud. Now harass me. Say will only inspect cupboard cause I said I smell mould in cupboard.. Mould to the backof house. The cause from storm water.. Same as prior review trying to blame water ending up just in a cupboard.. Not the whole floor... They asked for a mould report got it and hid it... Cause it made clear the cause... I go...t the report... Now they refuse to comply with Fos... Also hid the prior reports from Fos.. Harassed me... Won't come to phone.. And collude with their inspectors.. Repairers. It is criminal.. So scared of water entering. Termites etc 2 yeas of this... Still going now more water... Suncorp underwriters and for nearly lol Insurers... AAmi etc so same problem.. Changing companies.. Be careful.. Hell on earth.
Forget Home Assist - Useless
I signed up for Home Assist with APIA recently. Last night both hard-wired smoke alarms went off all night long. I called APIA this morning to make a claim. They refused the claim on the basis is that it is not an emergency. It is my expectation that it should be claimable. Another example of an insurance company dodging their commitments based on the fine print. Unhappy customer!!!
Odd admin procedure with APIA
I have been with APIA for years. I now have a hail claim, and at this stage can't comment on how good the claims service is at actually rectifying the damage. However, the admin procedures seem rather dodgy to me. I have just received a letter from APIA demanding that I pay my excess to them 'within 7 days' (the letter was dated 4 May and received here 14 May!). As a retired insurance professional I was most surprised. To me it is highly irregular to pay an excess *before* any work has been done, and I don't recall any legal reason for placing ...a limit of 7 days. Furthermore the veiled threat ' ...to avoid any unnecessary delays in future claims...' is not appreciated. The initial contact with the claims department was excellent so this type of thing comes as a surprise and disappointment.
The worst insurance company i have ever dealt with.
Had a burst hw pipe under concrete floor under sink bench. I was assured i was covered and my case put in the hands of a housing maintenance company. No one showed, contacted apia after 5 days and was told i am no longer covered. Sorted out repairs myself, withdrew my claim and cancelled my policy. Am now back with rac with better cover, and $10 a month cheaper.
Can't even get a quote! Don't even conmsider them
I am astounded at this company! I have never had anything to do with them before but having see the recent ad campaign I thought I would give them a go.
I am seeking a quote for my holiday home and although an option is given for owner-occupied which is a weekender/holiday home, when you press the button it says you are asking for a quote for a holiday rental, which has to be done over the phone. So I rang, and spent 20 minutes going rather laboriously through every detail and got to the point at which I was given a verbal quote (which wa...
Don’t ring Apia for a quote
I had a text message today demanding that I pay $1660 as my payments were ‘overdue’. I rung them for a QUOTE about 2 months ago. I never rung them back as they were ridiculously expensive. I certainly never agreed to being a client. I never asked for a cover note. No other company that I rung stooped to such low behaviour and this is a company that market themselves as catering to seniors. No - they use threatening behaviour to seniors attempting to frighten them into signing up with them.
When I rung to complain I was subjected to justification after justification. I would expect such behaviour from low level, cheap insurers not a Suncorp owned provider who markets to seniors.
I will never ring Apia again.
Questions & Answers
How do you justify a 33% increase in my premium this year when inflation is so low and building costs are not rising?
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