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

Cover information and limits in the table below verified as correct at 29 May 2024. 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

up to 65%

n/a

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:

  • Up to $20 million of legal liability

  • Cover for damage to your car, including for a not-at-fault accident and accidental loss

  • The reasonable cost of towing, following an insured incident

  • New replacement car (applies if your car is less than two years old)

  • Up to $100 of daily rental car costs, following a theft or not-at-fault accident

  • Up to $500 for emergency repairs

  • Up to $750 for emergency accommodation and travel (as long your vehicle is more than 100 kilometres away from where you usually park it and you did not already intend to pay for overnight accommodation)

  • Up to $500 to replace a child seat or baby capsule (following one incident)

  • Up to $1,000 for lock re-keying/re-coding if your car keys are stolen

  • Up to $1,000 to cover accidental loss or damage to a trailer or caravan attached to your vehicle

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

  • Safe driver star rating protection (for the first claim in each insurance period)

  • The removal of basic excess on windscreen claims for one replacement and two repairs in one insurance period (applies where damage to the windscreen is the only damage to your vehicle)

  • Up to $3,000 of cover for tools of trade damaged or stolen 

  • Up to $100 of daily rental car costs following an accident.

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:

  • Emergency mechanical repairs

  • Flat or faulty batteries

  • Emergency fuel delivery

  • Flat tyres

  • Towing (distances vary for metropolitan and regional areas and standard and premium memberships)

  • Lost or locked keys (up to $200 for premium membership and $150 for standard membership)

  • Accident coordination

  • Emergency message relay.

In addition to this, premium membership also offers:

  • Up to $100 for taxi costs, if your car breaks down and has to be transported to a garage for repairs

  • Cover for emergency travel including:

            - 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:

  • If your vehicle is used while in an unroadworthy condition

  • If you exceed your load or passenger limit

  • If you are transporting passengers for a fee, e.g. renting out your car or using it as a taxi or ridesharing service

  • Tyre damage

  • Computer equipment failure.

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 customer reviews
Overall
7.8/10
Value for money
7.4/10
Policy coverage
7.6/10
Customer service
7.7/10
Claims handling
7.6/10
Trust
7.6/10
Based on 1790 Allianz product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Allianz car insurance reviews

Allianz Car Insurance
Overall 7/10
overal competitive pricing,

competitive pricing,

Read full review

competitive pricing,

Value for money
7/10
Policy coverage
7/10
Customer service
7/10
Trust
8/10
Less
Kevin, South Australia, reviewed about 2 months ago
Allianz Comprehensive Cover
Overall 4/10
Car

When we had to make a claim for our car Allianz was easy to talk to but just the one issue we had with them was the repairer they sent us too, it was abit far away but was the only one they had near us. It took almost 6 months for our car to be seen then another 2 months for our car to be fixed.

Read full review

When we had to make a claim for our car Allianz was easy to talk to but just the one issue we had with them was the repairer they sent us too, it was abit far away but was the only one they had near us. It took almost 6 months for our car to be seen then another 2 months for our car to be fixed.

Policy coverage
5/10
Customer service
5/10
Claims handling
3/10
Trust
4/10
Less
Jenn, New South Wales, reviewed 3 months ago
Allianz Comprehensive Cover
Overall 5/10
They are ok a little expensive

Look they are not all bad jusy waiting time on the phone and are a bit expensive have been with them for 30 years have thought to go to other places but you just don't no these days better to stick with what you no l think

Read full review

Look they are not all bad jusy waiting time on the phone and are a bit expensive have been with them for 30 years have thought to go to other places but you just don't no these days better to stick with what you no l think

Value for money
6/10
Policy coverage
7/10
Customer service
5/10
Claims handling
4/10
Trust
4/10
Less
Renee, Victoria, reviewed 7 months ago
Allianz Comprehensive Cover
Overall 1/10
DJ

I had a highly disappointing experience with Allianz insurance. I purchased an annual car insurance policy, making a full payment on 03/01/2023, believing my vehicle was covered for the entire year. However, my interaction with Allianz took a nightmarish turn when I called them on 16/10/23 to update my car's registration number. To my shock, I was informed that my insurance had been inexplicably canceled due to a supposed "technical glitch." What's even more frustrating is that I received no prior notification or warning about this issue. I was essentially left in the dark for seven months, driving my car uninsured, completely unaware that I had no coverage. To add insult to injury, when they eventually decided to process a refund, it was sent to a credit card that had been closed for more than seven months at the time of the refund. It's now been 14 months since the card was closed, and, as expected, the account no longer exists. This demonstrates a glaring lack of attention to detail on their part and a disregard for their customers' time and money. What's truly infuriating is that, despite all these blunders and their failure to provide any sort of resolution or compensation for the inconvenience and danger I was exposed to by driving without insurance, their proposed solution was to buy an entirely new policy. It's astounding that Allianz couldn't acknowledge their mistake and rectify the situation in a more customer-friendly manner. In summary, Allianz's handling of my car insurance has been utterly unacceptable. Their cancellation of my policy without notice, the mishandling of my refund, and their lack of responsibility for the consequences of their actions make them a company I would strongly advise against doing business with. It's clear that customer satisfaction and safety are not their top priorities.

Read full review

I had a highly disappointing experience with Allianz insurance. I purchased an annual car insurance policy, making a full payment on 03/01/2023, believing my vehicle was covered for the entire year. However, my interaction with Allianz took a nightmarish turn when I called them on 16/10/23 to update my car's registration number. To my shock, I was informed that my insurance had been inexplicably canceled due to a supposed "technical glitch." What's even more frustrating is that I received no prior notification or warning about this issue. I was essentially left in the dark for seven months, driving my car uninsured, completely unaware that I had no coverage. To add insult to injury, when they eventually decided to process a refund, it was sent to a credit card that had been closed for more than seven months at the time of the refund. It's now been 14 months since the card was closed, and, as expected, the account no longer exists. This demonstrates a glaring lack of attention to detail on their part and a disregard for their customers' time and money. What's truly infuriating is that, despite all these blunders and their failure to provide any sort of resolution or compensation for the inconvenience and danger I was exposed to by driving without insurance, their proposed solution was to buy an entirely new policy. It's astounding that Allianz couldn't acknowledge their mistake and rectify the situation in a more customer-friendly manner. In summary, Allianz's handling of my car insurance has been utterly unacceptable. Their cancellation of my policy without notice, the mishandling of my refund, and their lack of responsibility for the consequences of their actions make them a company I would strongly advise against doing business with. It's clear that customer satisfaction and safety are not their top priorities.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Lim, Western Australia, reviewed 7 months ago
See all car insurance reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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