Allianz car insurance

With over 3.5 million customers in Australia alone and more than 100 years of experience in protecting property under its belt, Allianz knows a thing or two about insurance. Not only is it one of the largest insurance providers operating in Australia, it's one of the largest in the world. When it comes to personal insurance it has a wide product range, including home and contents, boat, travel and of course car insurance. 

As well as offering compulsory third party (CTP) insurance in New South Wales, Queensland and South Australia, Allianz offers third party and comprehensive car insurance all across Australia. 

Keep scrolling for more information on what Allianz’s car insurance covers.

Allianz offers the following car insurance policies

Rates and fees verified as correct at 03 March, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Cover

Yes costs extra

up to 65%

Up to 15%

Yes

Who is Allianz underwritten by?

Unlike a lot of other insurance providers, Allianz Australia actually underwrites its own policies. In fact, it even underwrites insurance products for a range of other Australian financial institutions, some of which include NAB, Westpac, AFG, Qudos Bank and Bank Australia.

What types of car insurance does Allianz offer?

Allianz offers comprehensive and third party property car insurance all across Australia. It also offers compulsory third party car insurance (CTP cover for short) in New South Wales, Queensland and South Australia.

What does Allianz’s comprehensive car insurance cover?

Allianz’s comprehensive car insurance is the highest level of cover it has on offer and includes:

You can also add these optional benefits onto your policy for even more cover:

Just keep in mind that any extras you add will up the cost of your premium.

Does Allianz offer roadside assistance?

Allianz offers roadside assistance separately through Allianz Partners. It works like a yearly subscription, where you can choose between a platinum membership for $169 or a standard membership for $99.

Besides a 24-hour telephone service, both platinum and standard membership provide help with:

In addition to this, premium membership also offers:

            - a rental car up to 10 days with a limit of $99 per day

            - emergency accommodation for up to 10 nights, up to $150 per night

            - alternative transport, if accommodation or a hire car is not available

            - relocating your repaired car to you, or providing return transport for you to your car.

What does Allianz’s comprehensive car insurance not cover?

While comprehensive car insurance is the highest level of insurance you can get for your wheels, there are still some instances in which you won’t be covered. Some exclusions for Allianz’s comprehensive car insurance policy are:

Read the Allianz’s product disclosure statement for the full list of exclusions.

More FAQs on Allianz's car insurance

What does Allianz’s NSW, QLD and SA CTP insurance cover?

In New South Wales, Queensland and South Australia you can purchase your CTP insurance from Allianz. Generally CTP insurance includes cover for:

  • Injuries caused to people, including your passengers, other road users, other passengers, pedestrians, cyclists, motor cyclists and pillion passengers.

  • Injuries as the result of a trailer (when it is attached to a registered vehicle).

CTP insurance does not cover damage done to your vehicle or someone else’s.

Some features of Allianz’s CTP insurance are:

  • At-fault driver protection, available to drivers in NSW and QLD. This includes up to $250,000 worth of cover for drivers in NSW and up to $1 million of cover for drivers in QLD. In both cases this cover is only available to drivers over 25 and for certain vehicle classes.

  • CTP claims specialists at hand to handle your claim

  • Competitive rates for drivers aged over 30 in NSW.

What does Allianz’s third party property car insurance cover?

One step from CTP cover, Allianz’s third party property insurance provides cover for:

  • Up to $20 million of legal liability 

  • Cover for partial or at-fault accidental loss or damage to someone else’s vehicle

  • Legal liability when using another vehicle, while yours is being repaired

  • Up to $5,000 cover if your car is damaged in a not-at-fault accident and the other vehicle is not insured

  • Cover for approved legal costs from a loss covered in your policy.

Does Allianz offer third party fire and theft car insurance?

Allianz does not offer third party fire and theft car insurance, if you want to insure your car against events like these with Allianz, you will have to opt for comprehensive car insurance.

How will Allianz calculate my comprehensive car insurance premium?

When it comes to your premium, Allianz will ask you a number of questions to figure out how much you will pay. How high or low it is will be a reflection of how high or low of a risk they deem you to be. In other words, how likely you are to claim with them. Some factors Allianz will take into account are:

  • The address where you keep your vehicle

  • What you use your vehicle for, e.g. domestic, rideshare or business

  • The age of drivers listed on the policy

  • The gender of drivers listed on the policy

  • What type of vehicle you drive

  • How old your vehicle is

  • What optional extras you add on to your policy

  • What excess you choose

  • Your safe driver star rating

  • What your employment status is.

Does Allianz offer a no claims discount?

Yes Allianz does offer its own version of the no claims discount, the ‘Safe Driver Star Rating.’ As with most no claims discounts, Allianz’s Safe Driver Star Rating is based on your claims and driving history. Having a high Safe Driver Star Rating will reduce your premium. 

Although, should you make a claim your rating may go down and your premium payments may go up. That is unless you add the star rating protection optional extra onto your policy. The star rating works like this:

  • New customers can be given a star rating from nil to four, depending on their driving history. This equates to a 5% or 10% discount.

  • Customers renewing their policy can earn a rating up to six stars and a discount of up to 15%. Plus, customers who achieve a six star rating will also be given the star rating protection at no extra cost.

Can I pay my premium monthly?

Having trouble coming up with the cash to pay your premium in one lump sum? With Allianz insurance, you can opt for monthly payments instead - but remember, the catch is that this added flexibility will cost you extra.

How is Allianz rated by customers?

There’s got to be a reason Allianz has so many customers, right? Find out how these everyday Aussies rate their Allianz car insurance policy in terms of things like customer service, price and trust in our customer review section

How do I apply for car insurance with Allianz?

To apply for car insurance with Allianz, click the ‘go to site’ button on this page and request a car insurance quote. To give you a quote, Allianz may ask for details including your vehicle registration number, where you park your car at night and how many kilometres you usually drive per year.

How to make a claim with Allianz

Need to make a claim on your car insurance? You can do so by filling out the online form on the Allianz website, or by giving them a call. There are a few things you should do if you’ve had an accident, to ensure the claims process goes smoothly, including:

  • If necessary, call the police and make sure you get a copy of any official police reports that might be made.
  • Record the details of any other drivers involved in the incident, including name, address, phone number, email address, licence number and insurance details.
  • Try to also get the details of any third-party witnesses.
  • Other info that might help your claim to be processed quickly includes:
  • The colour, make, model and year of any cars involved
  • Photos and a description of the scene and damage to the cars

How is Allianz car insurance rated?

Mozo users have rated Allianz car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
Allianz car insurance
Overall
7.8/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

1700 Reviews

Recent Allianz car insurance reviews

Allianz Comprehensive Cover review
Overall 9/10
Easy to deal with can always get in touch

Been with these people for a few years premiums very good had 2 cars with them for a while but my husband sold his car last year our insurance was due while he was trying to sell it. I rang them up as we still needed it to be insured all was great and when it was sold because it was not long after we insured we got full payment back also my car was damaged in hail storm last year in shopping car park no problems at all with claim.

Read full review

Been with these people for a few years premiums very good had 2 cars with them for a while but my husband sold his car last year our insurance was due while he was trying to sell it. I rang them up as we still needed it to be insured all was great and when it was sold because it was not long after we insured we got full payment back also my car was damaged in hail storm last year in shopping car park no problems at all with claim.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
June, Australian Capital Territory, reviewed 5 days ago
Allianz Comprehensive Cover review
Overall 1/10
Don't use Allianz.

Ripping off my mother who has a mental disorder. Charging her $173.00 a month car insurance. Am now switching to another insurer for just 72.00 a month. The most expensive I've seen was $105.00 a month so how Allianz can charge $173.00 a month is disgraceful.

Read full review

Ripping off my mother who has a mental disorder. Charging her $173.00 a month car insurance. Am now switching to another insurer for just 72.00 a month. The most expensive I've seen was $105.00 a month so how Allianz can charge $173.00 a month is disgraceful.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Kiah, New South Wales, reviewed about 1 month ago
Allianz Comprehensive Cover review
Overall 1/10
150% higher than competitors.

Quote was 150% greater than AAMI, Budget Direct and Woolworths. Maybe if they saved money on advertising they could offer better rates.

Read full review

Quote was 150% greater than AAMI, Budget Direct and Woolworths. Maybe if they saved money on advertising they could offer better rates.

Value for money
1/10
Less
Derek, New South Wales, reviewed about 1 month ago
Allianz Car Insurance review
Overall 1/10
Pathetic.

Waiting on hold for hours due to changes in climate. Got disconnected they never called back. Went through whole claim, they lost it. Had to do it all again. Huge excess which they want you to pay upfront. Other insurers take it out of claim. I will never use them again.

Read full review

Waiting on hold for hours due to changes in climate. Got disconnected they never called back. Went through whole claim, they lost it. Had to do it all again. Huge excess which they want you to pay upfront. Other insurers take it out of claim. I will never use them again.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Kim, Western Australia, reviewed about 1 month ago

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