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Apia buying blow

View a list of answers to questions commonly asked by customers. Many of these questions can be answered here. If you have a specific question regarding your own policy contact us. Apia recognises that many of our customers prefer to use the internet to make quick, simple changes to their policies. Apia Online Services is a simple alternative to calling us. You can make the following changes using Apia Online Services :. You save a quote by entering your email address at the end of the quote you complete. You'll then receive the quote details and the link in your nominated email account, which you can use to retrieve the quote. The quote is based on the information you provided. Any changes, including the policy start date, may affect the quote. If you recorded the quote number but did not email yourself the quote please contact us. This approach allows us to put you, the customer, at the centre of our product development and distribution. You can pay for your insurance online using your Visa, Mastercard or American Express, or by direct debit from your bank account. We have a range of payment options. You can also make a secure credit or debit card payment with your Visa, Mastercard and American Express using our automated credit card payment system by calling Your payment details are sent directly to AAI Limited and are safeguarded by a secure encrypted line. Also, your credit card or bank account details will not be shown on your insurance summary screen. For most Apia insurance products, you can renew your policy online via our Renewal page. Please note that online renewal is only available for annual payments made via credit or debit card. To establish monthly payments, or pay via direct debit from your bank account, please contact us. Please contact us for further information. Please refer to Access Canberra for more information. You can make a secure payment via our automated credit card payment system by calling You can pay using Visa, Mastercard and American Express. You can pay for these products via direct debit or credit card. For most Apia insurance products, you can easily renew your policy online via our renewal page. Your policy number can be found online by logging on to Apia Online Services. To register for online services, follow these easy steps:. If you have any issues registering for Apia Online Services, please contact us. This email will include a link to easily reset your password. You can choose which email address you would like to send the document to it will default to the one we have on file for you. Apia Online Services video tutorials explain how to get the most out of your account. The details of your last, fully paid renewal can be found in your paid renewal document, accessible by logging into Apia Online Services. When sending the document, it will automatically default to the email address we have on file for you, but you can change it to an alternative one if you prefer. A duty to take reasonable care not to make a misrepresentation applies to Consumer Insurance Contracts. To meet this duty, it is important that you answer questions truthfully and accurately. I'm sorry you're thinking of cancelling! If you haven't registered, it's easy to get started. We're committed to ensuring our products and services reflect the diversity of our community. We're reviewing our systems as they currently only request Male and Female. If you would like for us to acknowledge your correct gender and ensure you are included in future system changes, please call us on 13 50 50 with the quote or policy number, or just call us direct for a quote. Apia Home Insurance covers your home including garages, carports, gates and fences for loss or damage caused by a range of insured events. It also covers any fixtures attached permanently to your home, like solar panels and wall, ceiling and floor coverings excluding carpets. Apia Home and Contents Insurance covers loss or damage caused by flood1. Your sum insured is the most we will pay for damage to your home. You set a building sum insured you are comfortable with when you first insure your home and on each renewal. Pets are not covered under Apia Home and Contents Insurance. If you miss a monthly instalment you can make a one off payment via your Apia Online Services online account. Legal liability can cover you to pay compensation for death of or bodily injury to other people, or loss or damage to their property. For example, if you have Apia Landlord insurance on your property and your tenant has made a claim against you for injuries that occurred during your period of insurance due to a fall from tripping over a large crack running across the driveway of your property. Apia would pay the amount owing to the injured party if it was determined that you were liable. Apia Home Assist is an emergency assistance service that provides you with selected trade services in the event of a home emergency. This is an optional cover. If you choose to pay the extra premium to add Apia Home Assist, Apia will provide you with assistance when a sudden and unforeseen incident requires the urgent attention of a Plumber, Electrician, Locksmith or Carpenter, for up to two 2 hours. Apia Home Assist can be contacted, 24 hours a day, 7 days a week. Our support team will be able to assess the emergency. Assistance will be provided as quickly as possible but, during certain hours there may be limited availability. The response time will depend on a variety of factors including severity, location of your insured address and the demand for Apia Home Assist at that time. This option provides cover for accidental breakage of:. When you have chosen this optional extra, and the claim is only for the accidental breakage of the above glass items, we cover the cost to replace that glass, without you having to pay an excess. We will also cover the frame of any window, door or shower screen, but only if this is necessary to enable the glass to be replaced. No, we don't cover loss or damage if the breakage does not extend through the entire thickness of the damaged item e. Yes, accidental breakage of glass is an additional cover that comes with your policy, however when you make a claim under accidental breakage of glass the excess shown on your certificate applies. When you have the optional extra Excess-free Glass cover, we cover the cost to replace certain fixed glass in your home without you having to pay an excess. No, Excess-free glass cover doesn't cover accidental breakage of contents items or glass in contents items. If you have Excess-free glass cover making a claim can be done online , 24 hours a day, 7 days a week. As the storm damaged both your roof and the windows you will need to lodge a claim and pay your home excess and any other excesses that apply to your policy. Please refer to the PDS for full details. For an extra premium, you can choose to add Excess-free glass cover to your policy and if a window in your home is accidently broken, you can claim under this option without having to pay an excess. An Excess is the amount you pay towards the cost of your claim for each incident covered by your policy. You may have to pay more than one type of excess. You can get a quote for Apia Car Insurance online. Simply log in to Apia Online Services account, select your policy from the list of policies available then select the 'Update policy' option. Choose 'Parking address' under the 'Update my policy' heading to update details. If your policy is due for renewal, the process is a little different. After you log into Apia Online Services account, select your policy up for renewal and then choose the 'Renew Policy' option. You'll see an option to update your 'Parking address' under the 'Your Policy details' heading. If you have trouble logging on or have forgotten your password, learn more. You can add or remove the listed drivers on your policy at any time online. Simply log in to your Apia Online Services account, select your policy from the list of policies available then choose the 'Update policy' option. Select 'Listed Drivers' under the 'Update my policy' heading to update details. If your policy is due for renewal, you can still update your details through Apia Online Services account. Once logged in, select your policy up for renewal and then choose the 'Renew Policy' option. From there, update 'Listed Drivers' under the 'Listed Drivers' heading. No, Apia does not offer cover notes a temporary insurance that provides cover between signing up for a new policy and making the initial premium payment. When you commence cover with an Apia Car Insurance policy, you can pay through a number of convenient options , including online, via BPAY, in person, and by mail. Discover our full list of payment method options. Please get in touch with us to discuss your options. Apia offers a range of Car Insurance options, so you can find the policy that best suits your needs. Choose from:. Your amount covered — that is, the amount you insure your car for — should generally be the amount it would cost you to replace your car with something similar after an incident covered by your policy. You could try looking at car sales websites to see how much yours might go for. Doing so may help you avoid being under or overinsured. Apia Roadside Assist is an optional cover that you pay extra for with Comprehensive Insurance. We can help with:. Apia Roadside Assist is available 24 hours after adding it to your policy. Limits and exclusions do apply. You can transfer your car insurance to another car on the same terms and level of cover as the replaced car. However, there cannot be a current claim or a total loss determination on the replacement car. You will need to contact us to do this. Please call 13 50 50 to discuss your specific situation or to update your policy. You can check whether your Car Insurance policy is still active by logging into Apia Online Services. What you can claim for on your Car Insurance varies depending on your cover. For example, Comprehensive cover helps protect your car against accidental loss or damage including from accidents while using your car, theft, fire, storms and malicious damage. Read the Product Disclosure Statement for full details. Depending on your policy, you may be entitled to a hire car if your vehicle is stolen or if it is involved in an accident in which you were not at fault and you can provide the name, address and registration number of the at fault driver. Limits, exclusions and conditions apply. Find out more. Apia covers anyone who drives your car if they meet our underwriting criteria , including learner drivers. Apia Boat Insurance covers your boat anywhere on the land and waterways of Australia but only up to nautical miles from the Australian mainland and Tasmanian coasts. Outside of this geographical location you will not be covered. There is 'Included contents cover' that comes with your policy. This cover does not apply to trailers or animal transport floats. Caravans that are hired out are not automatically covered, however you can choose to pay an extra premium to add Hire Use Cover as an Optional Cover. If this is added to your policy, you will be covered up to the amount covered shown on your certificate. Make sure everyone is safe. For emergencies, call Call the police as soon as possible and record the time, date, report number and the name of the recording officer. Contact us as soon as possible online or by calling 13 50 Call us on 13 50 50 and we will help you with your claim. Your privacy is important to us. For more information on how we handle your privacy, please visit the Apia privacy page. The schemes differ depending on the state or territory you live in. This insurance is to cover costs related to injuries to people from the use of your vehicle, including injuries to pedestrians, cyclists, passengers. This insurance does not cover damage to other vehicles or property. MAI Insurance is linked to the vehicle, not the owner. If you sell your vehicle, the MAI Insurance policy will be transferred to the new owner. For more information on premiums, visit the Motor Accident Injuries Commission website. Your Green Slip provides you and anyone who drives your vehicle, with protection against liability for injuries caused to others in a motor accident. It also covers your medical expenses and weekly payments for lost income for up to twelve 12 months should you have caused the accident and are injured. Conditions apply. For further information visit the SIRA website. If you have just moved to NSW and your vehicle is still registered interstate, you will still be able to purchase a Green Slip to establish your registration by providing a vehicle identifier. If you have just moved from interstate or overseas and have bought a vehicle that is registered in NSW, you should ensure that the registration has been transferred into your name prior to purchasing a CTP policy. If you don't do this, you may not be able to purchase a policy. You can receive your CTP policy documents via email and we may send you reminders via sms. You can consent to receiving your CTP policy documents electronically when setting up your CTP insurance online or when you contact us to set up or renew your CTP policy. All you need to provide is a regularly used email address and mobile phone number. If you consent to receiving your CTP policy documents electronically you will not receive policy documents and communications via post. You can find out more at TfNSW. Safety checks can only be performed at authorised inspection stations, and the results are sent to TfNSW electronically. Click here for more information. Contact us and we will help you with any cancellation. No, unfortunately there are no pensioner concessions on CTP. However, there may be some concessions available on TfNSW registration fee for pensioners. Please refer to TfNSW for further details on pensioners. Apia acts as an authorised agent of GIO. Light vehicles i. Both the Green Slip and Registration need to be paid or completed within 21 days of the registration due date. This is called the 'Use-by' date and is shown on the Green Slip. If the Green Slip 'Use-by' date has expired i. CTP insurance is linked to the vehicle, not the owner, so if you sell your vehicle, the CTP policy will be transferred to the new owner. If you've paid and TfNSW advise there is not a valid CTP linked, please call us on 13 50 50 and we will find out what caused the problem. Call us on 13 50 50 and we can find out what caused the problem. You need to tell us the age of the youngest driver of the vehicle, regardless of how often they drive the vehicle — even if they only drive it once a year. Provided your trailer or caravan is in a roadworthy condition, it is covered by CTP insurance when being towed by a registered vehicle. Pay or renew your CTP Insurance. If you drive your car unregistered and while it does not have a Green Slip you may be personally liable for any injuries you cause in a motor vehicle accident. Learn more about CTP insurance. The best way to figure out how much your Green Slip premiums will be is to get an obligation-free quote. It's quick and easy to do online. Get a quote in minutes. If you're driving in NSW and you don't have a Green Slip ie Compulsory Third Party Insurance policy in place, you won't be able to register your car, which means you won't be able to legally drive. Get a Green Slip quote in minutes. However, for certain vehicles, you may be able to purchase a 6-month policy. You can get a quote online with Apia quickly and easily. If you decide to buy the policy, we'll send confirmation directly to Transport for NSW as soon as you've paid, so you can complete your car registration. Third Party Property Damage Insurance — often shortened to Third Party — is mainly intended to help you cover costs for which you might be liable if you cause damage to other people's vehicles or property while you're driving. For example, if you collide with a pedestrian or cyclist, your Green Slip will help cover their medical bills and lost income. Learn more about Green Slips. Hospital Cover helps pay for the cost of treatment, accommodation, medication and medical procedures when you're admitted to hospital as a private patient. Extras Cover is for health services that may not be covered by Medicare, such as physiotherapy, dental and optical. It does not include access to hospital. In Australia, Medicare provides health care for citizens and permanent residents. By taking out private health insurance you can get more health care options, increased peace of mind, and it may even help you access certain tax exemptions. Yes, you can. If your condition or illness is determined to have met the pre-existing condition definition, a month waiting period applies from the date of joining or upgrading your level of hospital cover. Waiting periods already served with your current fund will be recognised, so you can claim straight away. However, you may be required to serve a waiting period for benefits on your new health insurance policy that aren't covered by your existing fund. Any benefit limits already used with your current health fund will apply to your Apia health insurance policy. For more information contact us or read the Policy Booklet. Your Apia Health Insurance policy number can be found on your certificate of insurance, on your membership card, or online via My Apia Health. Updating your Apia Health Insurance policy online is simple. Yes, you can still access the public hospital system Medicare even if you have private health insurance. Using Medicare is at no cost to you as the patient. If you opt to use your private health insurance in a public hospital as a private patient however, there may be out of pocket expenses. You can use your membership card to claim at time of treatment, claiming your benefit on the spot, and only having the pay the balance. Alternatively, claims can be made through Apia Health Online Services. Funeral Insurance and Funeral Plans are two different approaches to covering funeral expenses. While Funeral Insurance offers a lump sum payout to your beneficiaries upon your passing, you pay a premium on a regular basis fortnightly, monthly, or annually and choose the benefit amount they will receive. On the other hand, Funeral Plans are a pre-payment option that requires you to plan and pay for your funeral ahead of time. This typically involves a non-refundable upfront deposit, followed by regular payment instalments. Stepped premiums are calculated according to your age, gender and the sum insured each year your policy renews. This means you can begin by paying lower premiums and then every year your premiums will increase as you get older. This is likely to remain the same for the life of the policy, unless you make changes to it or the underlying premium rates are changed by the insurer. However, you will never be singled out for a premium rate increase. A Level premium is the amount you pay when you take out your policy. Apia Funeral Insurance only offers level premiums. The Value Promise option you have selected will be shown in your policy schedule and will apply for the life of the policy. Yes, you can nominate beneficiaries to receive the Funeral Benefit, which is the lump sum paid out at claim time. If you choose not to nominate anyone as your beneficiary, any benefit payable will be paid to the policy owner or to your estate. Yes, you can include multiple people on your funeral policy. Yes, if you choose to do this, one owner will keep the existing policy and a new policy will be issued for the other policyholder. The Funeral Benefit will not be paid if the life insured passes away in the first 12 months of the policy for any reason other than an accidental death. If you wish to make a claim on your Funeral Insurance policy, the policy owner, nominated beneficiary, or legal personal representative can contact the Apia Funeral Insurance team on 13 50 A claim form will be provided, which will need to be completed and then returned. Yes, Australian and New Zealand Citizens and permanent residents residing in Australia can apply for this insurance policy. For customers who pay by direct debit or credit card, a statement will be sent to you prior to your policy anniversary. If you receive your anniversary statement and find any problems, or want to update any details, simply contact the Apia Funeral Insurance team. Help can also be provided. The Life Insurance Code of Practice is a series of mandatory customer service standards that all life insurers need to comply with. These standards cover sales and marketing practices, underwriting and claims and are designed to protect you. You can make a claim online or contact us — just make sure you have your policy documents handy. The time it takes to process your claim varies depending on the nature of the claim and information you provide us. Your policy excess will be listed on your certificate of insurance, or, you can login online via Apia Online Services to find out. Yes, someone else — like a family member — can lodge a claim for you, we just need written or verbal permission from the policy holder. This must be done in advance of you making a claim. Please contact us so we can go over your options with you. We are entitled to investigate your claim, to make sure your claim is genuine and falls within the scope of the policy. You will be asked to prove that you have suffered loss covered by your policy. This includes establishing that the loss occurred in circumstances consistent with the other known and confirmed evidence, and that your version of events is credible. We base this on your responsibilities to provide relevant information to assess your claim under General Insurance Code of Practice. You can pay for your insurance online using your American Express, MasterCard or Visa Card or by direct debit from your bank account. We have a range of payment options to suit your needs. You can make a secure credit card payment using our automated credit card payment system by calling For information on other ways to pay, please refer to our Renewal page. Please note that online renewal is not available for certain products. To further discuss your renewal options, contact us. Your Apia Insurance policy certificate will tell you when your premiums are due. Alternatively, you can login to Apia Online Services to find out. If a monthly instalment is overdue we will let you know. We can cancel your policy by giving you at least 14 days advance notice, but if a monthly instalment is overdue by a month, we can cancel your policy without advance notice. We understand that this can be a tough time for our customers. 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. 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. PC is an authorised agent of nib and receives commission from nib. TAL is not part of 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. 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 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. Frequently Asked Questions View a list of answers to questions commonly asked by customers. How to contact us with a complaint? What is Apia Online Services? What changes can I make within Apia Online Services? You can make the following changes using Apia Online Services : Pay for your renewal Increase the sum insured for home and contents Update personal details name, phone number, postal address, email address If you miss a monthly instalment you can make a one off payment. How do I retrieve a saved quote online? How does Apia develop and distribute its insurance products? Product Development and Distribution Policy. What payment options are available for purchasing insurance? How secure will the payment details be? Can I renew my policy online? Where can I find my policy number? From the Apia homepage , click 'Login to online services'. Enter your email address and password, then click 'Login'. Select 'policies'. Select 'Add a missing policy'. You can then add your policy, or, select 'Forgot your policy number? How do I register for online services? To register for online services, follow these easy steps: From the Apia homepage , click 'Login to online services'. Select 'Manage my Policy' and follow the prompts. What do I do if I've forgotten my password? Where can I find my Certificate of Currency? How can I request a copy of my Certificate? Where can I read the PDS for my insurance policy? Where can I find the details of my last renewal? What is Your duty to us: no misrepresentation? How do I cancel my policy? Why can't I select a non-binary gender as part of my insurance quote? Supporting our gender diverse community. What's the difference between Building Insurance and Contents Insurance? How do I decide my sum insured? Are my pets covered by Apia Home and Contents Insurance? What happens if I miss my monthly instalment payment? Apartment Insurance. What happens to my belongings in commercial storage not in my apartment? If you have contents stored in a commercial storage facility, Apia Apartment Style Residence Insurance will cover loss or damage to these contents due to an insured event, provided the storage facility is lockable, only accessible by you or someone authorised by you, and is fully enclosed by walls, floor and a roof. Landlord Insurance. What is legal liability cover? Village Insurance. What is covered under Village Style Residence Insurance? Apia Village Style Residence Insurance can cover home and contents against a range of insured events for people who live in retirement or lifestyle villages. Apia Home Assist. What is Apia Home Assist? What are the hours of operation for a call-out? Excess-free Glass cover. What is Excess-free Glass cover? This option provides cover for accidental breakage of: fixed glass in windows, doors, skylights and shower screens in your home; mirrors fixed to your home. Limits, exclusions and conditions apply, please refer to the PDS for full details. Does Excess-free Glass cover also cover the glass frame? Can I use Excess-free Glass cover if I have a scratch on one of my windows? I thought I already had cover for glass breakage under my policy? Can I use Excess-free Glass cover for my contents that contains glass such as vases, drinking glasses, TV screens No, Excess-free glass cover doesn't cover accidental breakage of contents items or glass in contents items. How do I know if I have this cover? Your Certificate will show if you have this optional cover or not. How do I make a claim? I have damage to both the roof and the windows from a recent storm - how do I make a claim? I have chosen a higher excess on my building policy in return for a lower premium but I am concerned my excess would be higher than it would costs to fix a glass window if one was accidently broken? Car Insurance. What is an excess? Do I have to list additional drivers on my Apia Car Insurance policy? You must list all people who are going to drive your car regularly on your insurance policy. If you're not sure, it's best to list them. Can I choose who repairs my car? We will either: Arrange the repair of your vehicle through one of our preferred repairers. If one of our preferred repairers cannot complete the repair or replace the damaged parts of your car, we will pay you the amount of the assessed quote from one of your repairers. I've had a car accident. What do I do? For emergencies call Try to prevent further loss or damage. Report the incident to the authorities. If someone is injured or has stolen, attempted to steal or maliciously damaged your car, call the police immediately and record the time, date, report number and the name of the recording officer. Collect details of all drivers, passengers and witnesses. You will need these when you call us. Make sure you have their full names, addresses and contact numbers. Do not admit fault to anyone. Contact us as soon as possible. Make sure you have the details of the incident at hand to assist us with lodging your claim. If towing is required, we will help arrange the towing of your car to a location we nominate for assessment. Am I covered if I drive my car overseas? No, your Apia Car Insurance policy only covers you for incidents within Australia. How do I get a Car Insurance quote? How do I update my Apia Car Insurance policy? How do I update my parking address on my Apia Car Insurance policy? You can change the parking address on your car insurance quickly and easily online. How do I update a listed driver on my Apia Car Insurance policy? Does Apia offer cover notes? Apia also offers a day cooling off period on our Comprehensive Car Insurance. What types of Car Insurance does Apia offer? How much should I insure my car for? What does Apia Roadside Assist cover? We can help with: flat batteries flat tyres emergency fuel lost or locked-in keys towing, and more. Can I transfer my Car Insurance from one car to another? Changing the car details on your policy may alter your premium. How can I check if my car is still insured? You can also call us on 13 50 50 to check. What can I claim on my Car Insurance? Does my Apia Car Insurance include cover for a hire car? Will I be charged an excess if someone who is not listed on my policy drives my car? Does Car Insurance cover me if I accidentally lose my keys? Boat Insurance. Where is my boat covered with Apia Boat Insurance? Does Apia Boat Insurance cover my boat for business or commercial use? No, your boat is not covered for business or commercial use under Apia's Boat Insurance. This includes an activity that earns you income, hiring or chartering your boat, or teaching or tutoring people in your boat. Caravan Insurance. Are fixtures on my caravan covered with Apia Caravan Insurance? Yes, Apia Caravan Insurance includes cover for: Gas cylinder s Manufacturer supplied tools and spare parts Any of your caravan's fixtures and fittings other than those listed as contents Standard equipment fitted by the original manufacturer for your particular make and model of caravan Any other accessories or modifications fitted to your caravan that you have told us about and are shown on your certificate. Does Caravan Insurance cover the contents inside my caravan? Does Apia Caravan Insurance cover my caravan if I hire it out? Does Apia Caravan Insurance cover my annexe as well? There is 'Included annexe cover' that comes with your policy. This entitles you to cover for your annexe for accidental loss or damage caused by an incident when it is locked in your caravan and not being used. Motorhome Insurance. Are the contents in my motorhome covered? Is my annexe covered under Apia Motorhome Insurance? Yes, Apia motorhome Insurance includes cover for: Annexe Gas cylinder s Manufacturer supplied tools and spare parts Any of your motorhome's fixtures and fittings other than those listed as contents Standard equipment fitted by the original manufacturer Any other accessories or modifications fitted to your caravan that you have told us about and are shown on your certificate. My motorhome has been stolen, what should I do? How is privacy protected? I have just moved to NSW. How do I purchase a Green Slip? Why does my quote not match that from the Green Slip Calculator or another website? Quotes may not match if they are based on different information. Testing and licensing drivers and registering and inspecting vehicles. Managing the road network to achieve consistent travel times. The registered operator of the vehicle must be aged 50 years or over. Do I qualify for a pensioner concession on my CTP? What information do I need to provide to purchase a Green Slip? Can I renew my CTP term to 6 months? Contact us and we can update your details for you. What happens to my CTP when I sell or buy a vehicle that is registered? How can I get this fixed? I have a younger driver that only drives infrequently. Do I need to list them on the Green Slip? Do trailers and caravans need CTP Insurance? Do I need a Green Slip to register my car? Green Slip prices can not be discounted. Are Green Slips compulsory? The good news is, getting a Green Slip quote is quick and easy. How long does a Green Slip last? What is hospital cover? What is extras cover? Do I need private health insurance? Can I still get Health Insurance if I have a pre-existing condition? I'm switching from another fund to Apia. Will there be a waiting period? Where can I find my Apia Health Insurance policy number? How do I update my Health Insurance policy online? Does Extras Cover include Hospital Cover? Can I still use Medicare if I have private health insurance? How do I make a claim on my Apia Health Insurance? What is the difference between Funeral Insurance and a Funeral plan? What are stepped premiums? What are level premiums? What is Apia's Value Promise and how does it work? Can I decide who will receive the Funeral Benefit? Can I cover more than one person on an Apia Funeral Insurance policy? Can I apply for an Apia Funeral Insurance policy on behalf of someone else? Can we separate our joint Funeral policy into two single policies? Are there any discounts available on Apia Funeral Insurance? How often do I need to pay Funeral Insurance premiums? You can choose to pay your Apia Funeral Insurance premiums fortnightly, monthly or yearly. What happens if I want to make a claim on my Funeral Insurance policy? How do I renew my Apia Funeral Insurance policy? What is the Life Insurance Code of Practice? What do I do if I need to make a claim? How long will it take Apia to process my claim? Can someone else make a claim for me? Can I cancel my policy? What happens if I am being investigated on an insurance claim? What relevant information will help my claim investigation? When investigating a claim, you will typically be asked for: financial records including bank statements, credit card statements, loan statements, lines of credit and mortgage documents; information relating to the insured property, such as proof of registration and service records in a motor vehicle claim; telephone records; and criminal history or driving history where you were required to disclose this information when you purchased the policy. Your Payment Reference number appears in the Payment Slip section of your notice. You can pay using Visa, American Express and Mastercard. How do I pay for a renewal online? What types of payment methods can I use to renew a policy online? When do I have to pay my insurance? Can I take out a shorter insurance term? Apia only offers month insurance policy terms. My policy is up for renewal, can I delay payment?

APIA Punch Line 60 # 15 Okiami

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Unlock rating. This is the product's overall performance score, based on analysis conducted by our industry experts. Sign in. These were chosen because they include standout features — such as cover for accidental damage, contents in the open air or under-insurance safety nets — and because they offer good value for money based on our survey. Check the policy details to make sure they're right for you. We surveyed customers to ask them about their overall experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. Your sum insured amount is the maximum amount your insurer will pay to repair or replace your building. You should set it to the cost of replacing all of your belongings. If a policy has an underinsurance safety net also called 'gap cover' the insurer will pay a percentage above your sum insured if necessary. A total building replacement policy doesn't use a sum insured - you simply get your building totally replaced. The sum insured is the maximum amount your insurer will pay to replace your contents. Cover for when a member of your household is responsible for damage to or loss of another's property, or another person's injury or death. Building insurance usually covers you at home, while contents insurance covers you away from home. Does this insurer impose an extra administration fee for paying monthly? This is sometimes described as a discount for paying annually, but it amounts to the same thing. The fewer dollar signs, the cheaper the policy compared to other products available in the territory. The fewer dollar signs, the cheaper the policy compared to other products available in the state. North Queensland means north of the Tropic of Capricorn. The fewer dollar signs, the cheaper the policy compared to other products available in the region. South Queensland means south of the Tropic of Capricorn. Cover for damage caused by fire and its by-products smoke, soot, ash, etc. Waiting periods for bushfire may apply, unless you are switching from another policy with equivalent cover with no change in sum insured. Damage to easily broken objects like mirrors. Not to be confused with accidental damage, which is a broader level of cover. Excludes faulty workmanship or leaks that cause damage over time. Cover if a tree falls on your house or a car crashes into your front room, for example. Some insurers that cover animal damage do so under this event. Flood as per the standard industry-wide definition. Waiting periods may apply unless you are switching from another policy with equivalent cover with no change in sum insured. Where the sea level rises as a result of a storm. You may also have to claim for storm damage or flood for this to be covered. Some insurers only cover in the event of cyclone. If this is important cover for you, check the PDS. This usually covers the normal movements of the sea, including damage from king high tides, water erosion, etc. Check your PDS for details. This cover often comes with a range of exclusions - insect damage or damage caused by your pets typically isn't covered, for example. The easiest ways to begin a claim outside business hours. All insurers have a phone line you can call during the day, and some insurers still have in-branch claiming. How much will you get in a cash settlement? How a cash payout is calculated can depend on whether you request it or the insurer offers it. Insurer cost: The insure will pay what it would cost them. This offer may take into account trade discounts the insurer can access, leaving you out of pocket. Non-cash alternatives might include gift cards, pre-paid debit cards, store credit, etc. Insurer cost: The insurer will pay what it would cost them. All insurers promise to replace contents with equivalent new items, although some policies have exceptions. Cover for burnout of motors that are part of your building, eg automatic garage doors or air conditioner units. Motors in contents are also frequently covered, eg washing machines. Also called motor fusion. Cover for replacing locks and re-coding electronic keys after a break-in or theft of the keys. Policies usually stipulate you report the break-in to the police. Typically includes trees, shrubs, etc planted in the ground. Lawns are usually excluded. Potted plants are usually defined as contents, and treated separately. Fees your bank might charge for early payment of your mortgage in the event of the total loss of your building. To demolish and remove debris after an insured event. Cover also applies to contents claims unless specified. Cover for unspecified portable items such as jewellery, phones and sporting equipment. Some insurers will cover general contents away from home, while others cover a limited range of items check the PDS for specifics. You may be covered for accidental loss and damage, on top of the usual list of insured events. In some cases you will pay a reduced excess. For an extra premium you can insure individual portable valuables against accidental loss or damage. Individually listed items are insured for their replacement value and will be shown on your certificate of insurance. Your insurer may require you to list something if it is worth more than the item limit for 'unspecified' portable contents. Some insurers will only cover certain items if you specify them, such as phones. Open air usually includes any area on your property that is exposed to the elements, but may also include unlockable areas like a garden shed. Each insurer has different definitions, so check with them for restrictions. Covers the cost of commercial storage for your undamaged contents, if they are unable to be kept at your home or temporary accommodation after an insured event. Limits for unlisted jewellery at the home. If you want a higher level of cover or need cover away from home, see listed valuables cover above. Cover for unlisted works of art. If you want a higher level of cover, you may be able to specifically list individual items. Cover for unlisted collections eg coins, stamps. If you want a higher level of cover you may be able to specifically list the collection. In some cases cover may depend on the type of collection, so check the PDS. Typically you won't pay the full excess unless it is as a result of an insured event in which case you'll probably be claiming for other damages. Cover for your visitors' belongings if they are lost or damaged in an insured event. Standard exclusions and restrictions will apply. Let your insurer know you're moving house and they may cover your contents at both properties during the moving process. Cover while moving your contents to a new home. Usually only covers your contents while they're in the moving truck, not while you're loading in or out. Get full access to all our tests and reviews. Skip to content Skip to footer navigation. Top of the content. Home and contents. Apia Home And Contents policy Sum insured policy. Provided by Suncorp. Recommended products. Recommended View more details. The company that issues your insurance and in most cases handles the claims. Building cover View more details. ACT price comparison View more details. North WA means north of the Tropic of Capricorn. Covered events. Accidental damage View more details. In some policies the actual exploding object is not covered. Cover for theft or burglary from your home. Most insurers require you to make a police report. May also be called 'malicious damage'. Some insurers also classify 'riot' as a separate event. Out-of-hours claiming View more details. Insurers will settle your claim in one of three ways. Motor burnout View more details. Cover the cost of professionals such as surveyors, engineers and architects. If your home is uninhabitable after an insured event. Cover for unspecified portable contents View more details. Cover for contents such as digital media, software, and storage e. Some policies will cover your vet bills in certain circumstances. More products in this test. TIO Territory Home. GIO Classic. Member reviews Average rating.

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