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If you've been impacted by the recent weather, we're here to help. Find out
more.

Make a claim

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      * CAR INSURANCE
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THE GO-TO INSURANCE FOR RETIREES

If you're an Aussie over 50, we're here to provide you with a better insurance
experience.

 * Chat with someone who takes the time to understand you
 * 24/7 claims service§

Get a quote

Log in to My Account

Make Tax Time Simple!

Get a copy of your tax invoice for eligible policies online without needing to
login. It's quick and easy, click here to access them!

Make a claim

Renew my policy

Manage my policy

Insurance policy documents


INSURANCE OPTIONS FOR SENIORS, OVER 50S AND RETIREES


COMPREHENSIVE CAR INSURANCE

Save 10%
First Year Online Discount*

Get a quote Find out more


HOME & CONTENTS INSURANCE

Save 10%
First Year Online Discount*

Get a quote Find out more

Looking for something else? See all Insurance products


WHY CHOOSE APIA?

Award winning insurance

Voted Australia's 2023 Gold Quality Service Award Winner for Car Insurance and
2022 Gold Quality Service Award Winner for Home & Contents Insurance.

Discover why


EXPERIENCE YOU CAN TRUST

Apia has offered great value insurance products to Aussie seniors and retirees
for over 30 years.

Find out more

Ways to save

Enjoy flexible payment options and save on your policy with our Work Less Pay
Less® discount*, Multi-policy discount* and Online discount*.

Discover ways to save


CLAIM ANYTIME

We’re here when you need us most.
Get in touch 24/7 if you need to make a claim§.

Claim now


CUSTOMER HELP AND SUPPORT

Manage your policy online, make and track claims, and view policy documents with
Apia Online Services. If you’re not registered, signing up is easy.

Log in to My Account

Renew my policy

Pay excess

Make a claim

 * Retrieve a quote
 * Find my policy number
 * Access my policy documents
 * Update my details
 * Track a claim
 * Cancel your policy
 * Search our motor repair network
   

Haven’t registered for Apia Online Services? Get started now

Prefer to speak to a real person?

Contact us 13 50 50

Insurance to meet your needs

Car Insurance

Comprehensive Car Insurance

Third Party Insurance

Fire, Theft & Third Party Insurance

NSW CTP Green Slip Insurance

ACT MAI Insurance

Home & Property Insurance

Home & Contents Insurance

Building Insurance

Contents Insurance

Apartment Insurance

Landlord Insurance

Assisted Living Insurance

Village Insurance

Other Insurance

Health Insurance

Funeral Insurance

Caravan Insurance

Motorhome Insurance

Motorcycle Insurance

Boat Insurance

Things you should know

*If you receive more than one discount, we apply each in a predetermined order
to the already discounted premium (usually before adding taxes and charges). The
discounts we offer are subject to change.

Online discount is only available for new, eligible policies purchased online
and will be applied upon purchase and subtracted from the premium. Online
discount is not available with any other offers and does not apply to optional
covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist.

Multi-policy discount (MPD) rewards you with a discount off your premium for
holding two or more eligible paid Apia general insurance policies. There must be
a common mailing address and the person(s) seeking the discount must be
nominated as an insured with the same name on each eligible policy. If you take
out a new policy and then qualify for the MPD, you are eligible to receive the
discount on that new policy immediately and on your other existing eligible
policies from their next renewal date, provided you still qualify. If you become
eligible around the time of your policy renewal and the discount is not shown on
your certificate of insurance, please contact us as the MPD may not have been
applied to the renewing policies.  See full terms and conditions.

Eligible policies that qualify for the MPD are Apia: home, contents, landlord,
car, motorcycle, boat, caravan and motorhome insurance. To find out more about
the multi-policy discount please phone us on 13 50 50.

MPD does not apply to optional covers Personal valuables – unspecified items,
Personal valuables – specified items, Apia Home Assist, Excess-free Glass cover
or Apia Roadside Assist.

Work Less Pay Less® discount does not apply to optional covers Apia Home Assist,
Excess-free Glass cover and Apia Roadside Assist.

§Does not apply to Apia CTP, MAI and Funeral Insurance.

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Get a quote

Home & Contents

Home & Contents Extra

Apartment Insurance

Village Insurance

Landlord Insurance

Assisted Living

Comprehensive Car

Third Party Car

Fire & Theft Third Party

NSW CTP Insurance

Funeral Insurance

Health Insurance

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Award winning insurance

Apia was recently awarded the 2023 gold medal for highest quality service in the
Car Insurance category and the 2022 gold medal for highest quality service in
the Home and Contents Insurance category at the Reader's Digest Quality Service
Awards.

Great value products and services designed to offer more choice, affordability,
and benefits.
A commitment to old-fashioned customer service, making the claims process
simpler and less stressful.
Creating a network employing of consultants over the age of 50 who are able to
understand Apia's customers' needs due to shared life experiences.

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Lifetime guarantee on repair work

When we authorise repairs after an incident, the quality of the workmanship and
the materials will be guaranteed for its life.

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After Claim Expenses

If your car is stolen or damaged in an incident covered by your policy, we’ll
cover:

 * reasonable costs for emergency repairs to make your car roadworthy or safe
 * reasonable costs for emergency accommodation if your car isn’t roadworthy or
   safe to drive and you’re more than 100km from home, and
 * accidental loss or damage to personal property in the car at the time of the
   incident.

A limit of $1,500 applies to any one incident.

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New car replacement if yours is stolen

We'll replace your car with a new one if it's stolen, not recovered and is less
than 10 years old (up to $40,000).

Other conditions apply and are explained in your PDS. For example, you must be
the first registered owner of the car.

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Loss or damage to your home and its contents

We’ll cover loss or damage to your home and its contents from events such as
fire, theft, storm, flood, and vandalism.

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Temporary Accomodation

If your home cannot be lived in after an insured event, we’ll pay for temporary
accommodation costs for the time it will take to repair or rebuild your home (up
to 10% of the home sum insured).

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Motor burnout

We’ll cover the burning out or fusing of electric motors up to $2,000 per claim
in household equipment or appliances which are part of your home and/or
contents, depending on your cover.

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Food and medication spoilage

We’ll cover spoilage of refrigerated food, frozen food and refrigerated
medicines caused by:

 * the sudden escape of refrigerant fumes
 * electrical or electronic breakdown, failure or malfunction, or
 * the public electricity supply failing to reach the insured address.

A limit of $750 applies to any one incident.

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Lock replacement if your keys are stolen

We’ll cover costs to replace or recode locks to external doors or windows of
your home excess-free if your keys are stolen in Australia or New Zealand.

A limit of $1,000 applies for any one incident.

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Loss from fraudulent use of stolen financial transaction cards

We’ll cover your loss excess-free if your credit cards or other financial
transaction cards are physically stolen from your home and used fraudulently
(less the amount covered by your card provider).


A limit of $1,500 applies for all claims made in any one period of insurance

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Visitor’s contents

We’ll cover loss or damage to contents owned by invited visitors caused by an
insured event.

This cover applies for a maximum period of 30 consecutive days and a limit of
$2,000 applies to any one incident.

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Apia Home Assist

Apia Home Assist provides you with access to an emergency assistance service if
an incident requires the urgent attention of a plumber, electrician, locksmith,
or carpenter.

Some geographical limitations apply to the availability of Apia Home Assist.
Apia Home Assist is only available 24 hours after adding the option to a new or
existing policy. Terms and Conditions apply.

Close

Excess-free Glass cover

When you have Excess-free glass cover and claim for accidental breakage of fixed
glass in windows, doors, skylights, shower screens or fixed mirrors which are
part of the home, we cover the cost to replace that glass, without you having to
pay an excess.

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Windscreen and window glass cover

Enjoy one excess-free repair or replacement of your car's windscreen or window
glass following damage in an incident in each period of insurance.

Enjoy one excess-free repair or replacement of your car's windscreen or window
glass following damage in an incident in each period of insurance.

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Hire car for unlimited days

If your car can’t be safely driven after an incident, is being repaired, or has
been stolen, we’ll arrange a hire car of a similar make and model to your car
(up to $90 per day) until your claim is settled or your car is returned.


 * PRODUCTS
 * Motor Insurance
 * Home Insurance
 * Health Insurance
 * Funeral Insurance

 * ABOUT US
 * About
 * Contact Apia
 * Code of Practice
 * News & Media
 * Privacy
 * Cookie & Data Policy
 * Sitemap
 * Online Terms & Conditions

 * ACCOUNT
 * Get a quote
 * Retrieve a quote
 * Make a payment
 * Make a claim
 * Track a claim
 * Find my policy

 * RESOURCES
 * FAQs
 * Policy documents
 * Ways to save
 * Apia Good Life
 * Severe Weather
 * Identify scams
 * Customer care
 * Customer Relations & Complaints

 * 
 * 



Website Feedback




Cookie and Data Policy
We use cookies and other related technologies to improve and tailor your website
experience. See our Cookie and Data Policy. This policy provides information
about how Apia collects and uses data related to your online activity, and how
you can choose to remain anonymous.

AAI Limited
Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR
239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL
230859 (AAI), the issuer of Home, Landlord, Car, Motorcycle, Caravan, Motorhome,
Boat, Travel, Compulsory Third Party Personal Injury (CTP) Insurance and Motor
Accident Injuries Insurance (MAI Insurance). Registered Office: Level 23, 80 Ann
Street, Brisbane QLD 4000.

Any advice provided is general advice only and has been prepared without taking
into account any person's particular objectives, financial situation or needs,
consider whether it is appropriate for you before acting on it. Read the Product
Disclosure Statement (and any related documents) before making a decision about
general insurance. The Target Market Determination is also available

Health Insurance
Apia Health Insurance is issued by nib health funds limited ABN 83 000 124 381
(nib), a registered private health insurer, and is marketed by Platform
CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an
authorised agent of nib and receives commission from nib.

Life Products
Any advice on this page in connection with the Life products is general in
nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS
Representative Number 001266101 (PV). PV is part of the Suncorp Group and an
authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL
243260 (TAL Direct).

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Funeral Insurance

Apia Funeral Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL
237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited
ABN 97 150 070 483 group of companies (TAL). TAL is not part of the Suncorp
Group. TAL Life uses the Apia brand under licence from the Suncorp Group. The
different entities of TAL and the Suncorp Group of companies are not responsible
for, or liable in respect of, products and services provided by the other.

Any advice on this page in connection with the Life products is general in
nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS
Representative Number 001266101 (PV). PV is part of the Suncorp Group and an
authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL
243260 (TAL Direct). General advice does not take into account your individual
needs, objectives or financial situation. Before you decide to buy or to
continue to hold a Life Product you must read the relevant Product Disclosure
Statement. The Target Market Determination (TMD) for the product is also
available.

TAL Life is proud to have adopted the Life Insurance Code of Practice
(Code). The Code has been developed voluntarily by the Life Insurance industry
to promote high standards of service to consumers, provide a benchmark of
consistency within the industry, and establish a framework for professional
behaviour and responsibilities.

This content is current for Home and Contents, Home and Contents Extra, Village
Style Residence, Apartment Style Residence, Assisted Living Residence, Landlord,
Car Advantage, Motorcycle, Caravan, Motorhome and Boat Insurance policies
commenced or renewed on or after 23 March 2021.