Who is Apia? Apia is an insurance company and started in Australia 30 years ago. It sells insurance to people aged 50 and over and is part of Suncorp. Suncorp is an Australian finance and insurance corporation based in Brisbane, Australia with 13,000 employees across Australia and New Zealand. It started in southwest Queensland as Queensland Agricultural Bank
Apia is owned by Suncorp. Suncorp was owned by the Queensland government until 1997, and in 2000 the government sold its last shares in the company through a public offer. As well as Apia, Suncorp underwrites other insurance brands in Australia, alongside its own Suncorp-branded policies. These include:
Apia rates above average compared with other insurers in our survey for customer satisfaction.
Customer satisfaction with home insurance
Of the people we surveyed, 59% of Apia customers rated their experience with home insurance as above average or excellent, slipping from 79% in 2023.
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Home insurer customer satisfaction
Insurers rated as above average or excellent
RACQ (Queensland): 91%
RAA(South Australia): 86%
RAC (Western Australia): 78%
RACV (Victoria): 72%
Coles Insurance: 69%
Youi: 67%
ANZ: 67%
Suncorp: 65%
NRMA :61%
AAMI: 60%
Apia: 59%
Budget Direct: 58%
Everyday (Woolworths): 57%
Allianz: 55%
GIO: 55%
CBA: 51%
CGU: 48%
Qantas: 42%
Notes: CHOICE conducted a survey of 1682 policyholders of home insurance across Australia in March 2025. Quotas were applied for representation in each age group, gender and location to ensure coverage in each state and territory across metropolitan and regional areas. Ratings for specific insurers were only given by current customers of that insurer.
Customer satisfaction with car insurance
Of the people we surveyed, 68% of Apia customers rated their experience with car insurance as above average or excellent, this is compared with 80% in 2023.
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Car insurer customer satisfaction
Rated as above average or excellent
RAA (South Australia): 91%
RACQ (Queensland): 85%
Youi: 77%
RAC (Western Australia): 77%
GIO: 75%
Shannons: 74%
NRMA Insurance: 72%
Woolworths Everyday: 71%
Qantas: 70%
Apia: 68%
Suncorp: 68%
RACV (Victoria): 64%
AAMI: 62%
Budget Direct: 62%
Allianz: 61%
Notes: CHOICE conducted a survey of 1800 policyholders of car insurance across Australia, including comprehensive car insurance, third party fire & theft insurance and third party property car insurance. Quotas were applied for representation in each age group, gender and location to ensure coverage in each state and territory across metropolitan and regional areas. Fieldwork was conducted in March 2025. Ratings for specific insurers were only given by current customers of that insurer.
How does Apia rate on claims?
Home insurance claims
Of the insurers in our survey Apia recieved above average results with 65% of home insurance customers who had made a claim in the past 5 years rating them as above average or excellent.
Car Insurance Claims
Of the insurers in our survey Apia recieved average results with 70% of car insurance customers who had made a claim in the past 5 years rating them as above average or excellent.
Does Apia offer discounts?
Apia discounts include:
10% for the first year if you buy car or home and contents insurance online
10% multi-policy discount for two or more eligible policies.
Does APIA let you claim online or in-app?
Apia allows you to start and track home, car and other insurance claims online. Customers also have access to the Suncorp app that lets you lodge and track claims.
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