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Allianz car insurance review

With a higher-than-average price but no particularly impressive benefits, Allianz was outperformed by many other car insurers in the 2024 Finder Insurance Awards.

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Our verdict

Pros

  • Your policy covers any fully-licensed driver, so you can lend your car to a friend knowing they'll be covered if anything happens
  • You can pay monthly at no extra cost
  • Electric vehicles are covered, including your battery, charging cables and wall charger

Cons

  • The only cover option is Agreed
    value, which might not suit some drivers
  • Hire car cover only pays Up to $50 per day, less than many other insurers
  • Up to $500 worth of personal effects are covered, but many other providers offer more than this.

How does Allianz compare with other car insurers?

Allianz has a similar level of cover to many other car insurers but its price is higher than average. Cheaper car insurance options are available.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Youi Comprehensive
    Optional
  • If your car is written off or stolen in the first 2 years
  • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
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    Compare Allianz's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Up to $50 per day - Until claim is completed
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
    Allianz Third Party Property Damage
  • Finder’s summary: Allianz has a strong customer service record and lets anyone you give permission to drive your car – some policies don’t offer this benefit.

    Who it might be good for: Anyone who wants good customer service.
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    What additional cover options are available?

    Allianz offers a couple of optional benefits to strengthen its comprehensive car insurance policy. They are:

    • No excess for windscreen damage only claims - Don't pay any excess for one full windscreen, window glass, or sun roof replacement and two repairs in each 12-month period.
    • Rental car after any covered incident - Get a rental car if yours is out of action due to any covered incident including weather events or at-fault collision. Up to $50 per day.

    Why you can trust Finder's car insurance experts

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    FAQs

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    16 Responses

      Default Gravatar
      ishaqApril 24, 2023

      hello sir / madam. I am Ishaq Ali Mohammadi.
      I have comprehensive insurance, my car (Toyota corolla) with Allianz insurance, but now I want to change it to third party fire & thief insurance only. can you help me to change this for me please? many thanks.

        AvatarFinder
        SarahApril 25, 2023Finder

        Hi Ishaq,

        You’ll need to contact Allianz directly to make changes to your insurance policy. You can call them on 13 1000.

      Default Gravatar
      ArthurAugust 8, 2019

      Hi,

      Does Alianz cover Uber drivers in Sydney?

        AvatarFinder
        JeniAugust 9, 2019Finder

        Hi Arthur,

        Thank you for getting in touch with Finder.

        Yes, Allianz also provides Comprehensive, Third Party Property and Third Party Fire & Theft insurance coverage for Private Car Insurance customers providing ridesharing services. Kindly contact Allianz directly on getting car insurance that would cover ridesharing drivers.

        I hope this helps.

        Thank you and have a wonderful day!

        Cheers,
        Jeni

      Default Gravatar
      IsabellaOctober 23, 2018

      I bought a used car, porsche! Now I am faced with the choice of car insurance company, I hope to know which insurance company is the best choice, if you have recommendations!Should I buy a combination? Comprehensive insurance + CTP?

        AvatarFinder
        JohnOctober 23, 2018Finder

        Hi Isabella,

        Thank you for leaving a question.

        You may check the comparison of comprehensive vs third-party car insurance. Once you have selected which type of car insurance is best for you, you may then refer to our comparison list of car insurance. Once you have chosen a particular provider, you may then click on the “Get Quote” button to request for quotation.

        Cheers,
        Reggie

      Default Gravatar
      DaveMay 28, 2018

      How to get a proof of No claim discount/bonus from Allianz Australia?

        AvatarFinder
        JeniMay 28, 2018Finder

        Hi Dave,

        Thank you for getting in touch with finder.

        As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

        To get proof or certificate of your no claim/bonus with Allianz, you may call them at 13 1000 or chat with their online representative. Please have your policy number or rego. You may receive that to your email.

        I hope this helps.

        Have a great day!

        Cheers,
        Jeni

      Default Gravatar
      ArturoMay 23, 2018

      do you cover Uber drivers in Victoria?

        Default Gravatar
        JoelMay 23, 2018

        Hi Arturo,

        Thanks for leaving a question on Finder.

        Allianz provides comprehensive, third-party property and third-party fire & theft insurance coverage for private car insurance customers providing ridesharing services. You may contact Allianz directly on getting car insurance that would cover ridesharing drivers.

        Alternatively, you may compare other Uber and rideshare car insurance using our rideshare insurance comparison table. You can compare quotes from different insurer by pressing the “Get Quote” button.

        Cheers,
        Joel

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