Key features of Allianz car insurance
Monthly premiums
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.
Excess
You can choose what level of excess you pay on your Allianz insurance, however as with any insurance, it’s a tradeoff with your premium - the lower the excess, the higher the premium and vice versa.
Discounts
Lower the price of your car insurance by cashing in on the available discounts, like the safe driver and the no claims discounts. Remember that the no claims discount you can snag will be different depending on where you live.
If you’re happy to buy your policy from behind your laptop, you can also snag an online discount.
Emergency cover
You want to know that your car insurance will cover you in an emergency, which is why it’s good that Allianz will cover emergency repairs without assessment up to a certain amount. You’ve also got cover for the reasonable cost of towing, accommodation or alternative travel in an emergency.
What is not covered by Allianz car insurance?
Even your comprehensive car insurance policy won’t cover everything. Some notable exclusions include roadside assistance and cover for damage to commercial signage.
What can I add as an optional extra?
On the other hand, you can add optional extras to your cover. Just keep in mind that anything extra you add onto your policy will likely mean you pay a higher premium. Some options for your Allianz policy include:
- Rideshare cover - if you use your car to make a little extra cash on the side through a rideshare program like UberX, you can still get cover under an Allianz car insurance policy, just make sure you tick ‘rideshare use’ when you apply.
- Modifications - if you’ve been pimping your ride and made some cool modifications, they’re only covered if agreed to in writing by Allianz.
- Rental car after accident - your policy includes cover for the cost of a rental car after the theft of yours, but if you want to be covered for a rental car to get you back on the road after you’ve had an accident, you’ll have to add it on.
- No windscreen excess - the windscreen is your first line of defence, and often the first casualty in an accident. So if you don’t want to worry about paying an excess on windscreen related claims, you can pay a higher premium for excess free windscreen cover.
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 to make a claim
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 insurer.
- 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
