Apia Insurance Northbrook ‘Apia’ stands for Australian Pensioners Insurance Agency and has been providing insurance for over 30 years. Today it offers a range of insurance products for Australians over the age of 50, including home, boat, caravan, and car insurance. So if you know the roads where you live like the back of your hand and have a lot of driving experience, Apia insurance might be worth considering.
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Apia Insurance Northbrook
Apia Insurance Northbrook has created programs to put all your properties under ONE insurance policy. Since 2001, we’ve been helping investors save time and improve cash flow across the country. They also work with financial institutions and mortgage managers to simplify the REO process and compulsory insurance.
What type of car insurance does Apia offer?
Apia Insurance Northbrook offers a wide range of auto insurance policies, including third-party property, third-party fire and theft, and comprehensive auto insurance. In addition, Apia also offers MAI insurance for residents of the ACT.
What does Apia’s all-risk car insurance cover?
Apia’s All-Risk Auto Insurance includes all the usual coverages, plus some extra benefits to sweeten the deal. Some of the features of Apia’s comprehensive policy include:
- 21 days cover for a rental car, after the theft.
- Coverage up to $750 for infant capsules and child seats.
- Coverage of material damage to third parties for caravans and trailers.
- Up to $5,000 accidental death coverage.
- Up to $20 million legal liability.
- Coverage for hail, storm, and flood damage.
- Fire, theft, attempted theft, and vandalism cover.
- Replace a new car if your car has been deregistered and is less than 2 years old.
- Up to $1,500 for post-claim costs: This applies when your car is stolen or damaged as a result of an incident covered by Apia. May include emergency repair and shelter coverage.
- Coverage up to $2,000 for trailers.
- Up to $500 to cover “housing costs”: This applies if your car is not roadworthy after theft or damage due to an incident covered by Apia.
- Transport Coverage up to $250: This applies if your car is damaged in an incident covered by your policy.
- With its comprehensive policy, Apia also offers a lifetime warranty on authorized repairs, plus a discount if you drive less than 20,000 km per year. This policy also offers the replacement of a new car, if your car is stolen and not recovered. Though it should be noted that this only applies to cars less than 10 years old and there is a $40,000 coverage limit.
Which WA insurance does Apia offer?
Apia Insurance Northbrook offers third-party property as well as third-party fire and theft auto insurance. It also offers MAI insurance for ACT residents (CTP insurance).
Both third-party property and third-party fire and theft insurance policies include up to $20 million in third-party liability coverage, plus up to $5,000 in coverage for damage caused by an uninsured, defaulting driver. To do this, you must provide Apia with the name and address of the perpetrator, as well as your vehicle registration number.
In addition to all this, the WA fire and theft insurance also offers coverage for:
- Accidental loss or damage caused by fire or theft
- Reasonable towing and storage charges from the scene of an incident or accident
- A rental car for a maximum of 21 days, after theft
- ‘Get Home Expenses’ up to $500 – This covers transportation costs to get you and your passengers where you went.
What does Apia’s MAI insurance cover?
As mentioned earlier, Apia offers MAI Insurance to ACT residents. This stands for Car Accident Injury Insurance and is basically what is called CTP or Compulsory Third Party Insurance in the Australian Capital Territory.
This type of insurance is a legal requirement to drive in the capital and Apia is one of only four to offer it. Other insurers that offer this are AAMI, GIO, and NRMA.
As with all types of compulsory third-party insurance, MAI insurance does not cover damage to your own car. This type of insurance is designed to provide coverage to a person who is injured in an accident, where their car is at fault. In addition, with Apia in particular, you get access to Suncorp Benefits and the quarterly newsletter Apia Good Life.
Does Apia offer a no-claims bonus?
Yes, Apia offers a no-claims bonus with its comprehensive car insurance. If you don’t fully know what this is, it’s basically a discount that rewards you for having a good claims history. In other words, you are rewarded for safe driving.
Some claims that do not affect your no-claims discount are:
- Damage claims for windscreen or windows only
- Whether your no-claims discount is protected
You have not caused an accident in which you are involved and you can provide Apia with the name and address of the person at fault, as well as his license plate number.
For all other claims, your no-claims discount may be reduced. The no-claims discount consists of six qualifications, each of which has a higher discount percentage than the others. The more consecutive years you have no claims (or at least no claims affecting your discount), the higher your qualification and the greater the discount you will receive. The qualifications are:
- Qualification 1 – 65% discount
- Qualification 2 – 60% discount
- Qualification 3 – 55% discount
- Qualification 4 – 45% discount
- Qualification 5 – 25% discount
- Qualification 6 – 0% discount
Can I protect my bonus discount without claims?
Once you’ve reached rating one (the highest rating available), you can protect your discount if:
Do not file any claims that affect your no-claims discount for three consecutive years
You are a new customer who already has a No Claims Protected Bonus discount with your previous insurer.
Does Apia offer other discounts?
In addition to the no-claims discount, Apia also offers:
Multi-policy discount: You may be able to get this discount if you pay for two or more qualifying Apia basic insurance policies.
A Work less, pay less discount: If you work less than 37 hours per week, you may be eligible for this discount. This specific discount is based on your employment status and is determined by the information on your certificate of insurance.
Discount drive less, pay less: if you have all-risk car insurance with Apia and you drive less than 20,000 km per year, you could be eligible for this discount.
How much does Apia car insurance cost?
The amount of your insurance premium at Apia depends on various factors. Some things that Apia will take into account are:
- How old is your car
- Your age
- Your gender
- The car you are driving
The amount of coverage you opt for – Comprehensive car insurance will be more expensive than third-party property
- where is your car parked for the night
- Where do you live
- If you are paying off a car loan for your vehicle
How can I pay my premium?
When trying to fit your auto insurance premium into a budget, it’s good to have some flexibility in how you pay. With Apia, you can choose to pay an annual premium all at once upfront or pay in monthly installments at no additional cost.
How do customers rate Apia?
But how does Apia qualify in terms of customer service, trust, and convenience? You can find out by reading customer reviews where everyday Australians have shared their thoughts on Apia car insurance.
How do I submit a claim to Apia?
There are three ways to file a claim with Apia, they are:
- Online via the Apia website
- Via the Suncorp application (Apia is part of the Suncorp network)
- Call Apia on 13 50 50.
To make a claim you will need your policy number, details about the incident, documents related to the claim, and information about the other person involved.
Conclusion – Apia Insurance Northbrook
Apia has created programs to put all your properties under ONE insurance policy. Since 2001, we’ve been helping investors save time and improve cash flow across the country. They also work with financial institutions and mortgage managers to simplify the REO process and compulsory insurance.