Allianz now offers two levels of comprehensive car insurance: a full-featured policy and a cheaper Essentials option built for older and second-hand cars.
These products offer the best value and outcomes considering various product features and price.
7+
Great
Competitive products within their group.
5+
Standard
But these products still offer reasonable value and have the basics sorted.
0+
Basic
Offering basic cover with limited features or higher pricing.
Key takeaways
Allianz launched Comprehensive Essentials in March 2026, a stripped-back comprehensive policy aimed at older and second-hand cars, typically cheaper than its standard Comprehensive cover.
Standard Comprehensive gets you agreed value, choice of repairer and new car replacement in the first 2 years. Essentials is market value only, with a repairer allocated by Allianz and a fixed excess.
Both policies cover electric vehicles, including the battery, charging cables and wall chargers you own.
Pros
Two levels of comprehensive cover, so drivers of older cars can pay less by skipping features like new car replacement and agreed value.
You can pay your premium monthly at no extra cost.
Electric vehicles are covered on both policies, including your battery, charging cables and wall charger.
Cons
No choice of repairer for Comprehensive Essentials product, which can be a dealbreaker for certain drivers.
Up to Up to $1,000 worth of personal effects are covered, but many other providers offer more than this.
Compare Allianz's policies
Compare other products
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
Finder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
Allianz car insurance includes the following features and policy options:
Two tiers of comprehensive cover. Standard Comprehensive comes with the full feature set, while Comprehensive Essentials trims back the extras for a typically lower premium, which is handy if you drive an older or second-hand car.
New car replacement (Comprehensive only). If your car is written off within 2 years of manufacture, it can be replaced with a new vehicle of the same make and model.
Choice of agreed or market value. Standard Comprehensive lets you choose between agreed value (a fixed payout amount you set upfront) and market value. Essentials covers your car for market value only, which helps keep the premium down.
Choice of repairer (Comprehensive only). Pick your own repairer or let Allianz find one. With Essentials, Allianz allocates a repairer straight away, which can make the repair process faster.
Rental car after a not-at-fault accident. Both policies include a rental car for up to 30 days after a collision that wasn't your fault, or an $80-a-day allowance if a similar car isn't available. On standard Comprehensive, you can pay extra to get a rental car after any covered incident, including theft.
Electric and hybrid vehicle cover. Both policies cover EVs, including battery fires, accidental damage to the battery, and charging cables, wall mounts and wall chargers you own.
Flexible excess options (Comprehensive only). You can raise your basic excess to reduce your premium. The Essentials excess is fixed.
Monthly payments at no extra cost. Premiums can be paid in monthly instalments for the same total annual cost as paying upfront.
Lifetime guarantee on authorised repairs. Materials and workmanship on repairs Allianz authorises are guaranteed for as long as you own or lease the car, on both policies.
24/7 claims. Claims can be lodged and tracked online or over the phone at any time.
What's isn't covered?
Under Allianz car insurance, you are not covered for any loss, damage, or liability caused by or connected to the following:
Unlicensed driving
Driving under the influence
Unregistered or unroadworthy vehicles
Usage exclusions
Motor sports and trials
Intentional or malicious acts
Safeguarding the car
Consequential loss
Tyre damage
Mechanical or electrical failure
Computer and technology failure
Pollutants and contaminants
War, terrorism, and nuclear risks
Lawful seizure
Incidents outside Australia
How to lodge a claim online
Allianz car insurance claims can be lodged 24/7 via the online portal.
Secure the scene. Ensure all parties are safe and contact emergency services if there are injuries or safety hazards.
Exchange details. Collect names, contact numbers, driver's licence numbers, and registration details from any other drivers involved.
Record evidence. Note the date, time, and location. Take photos of the damage and collect contact details from any witnesses.
Report theft. Contact the police for incidents involving theft or malicious damage and obtain a report number.
Submit online. Access the Allianz online claims tool using your policy number and personal details. No repair quotes are required at this stage.
Assessment. A claims consultant will contact you within approximately two business days to provide a claim number and discuss the repair process.
FAQs
Allianz Australia Insurance Limited underwrites its own insurance products, including its comprehensive car insurance.
Premiums are based on the level of cover, chosen excess, the driver’s age and claims history, and the vehicle’s make, model, and location.
Agreed value is a fixed amount set at the start of the policy. Market value is the cost to replace the vehicle based on its condition and age at the time of the claim.
Yes, provided they have permission to drive and are supervised by a fully licensed driver. An additional age-based excess may apply for drivers under 25.
No. New policies do not cover vehicles used for ridesharing services, such as Uber, or for delivering food or goods for payment.
Both cover accidental damage to your car (including theft), weather events and up to $20 million in legal liability. Standard Comprehensive adds agreed value, choice of repairer, new car replacement in the first 2 years, an adjustable excess and extras like personal belongings and child seat cover. Essentials drops those features, covers your car at market value with a fixed excess and an Allianz-allocated repairer.
No. With Essentials, Allianz allocates a repairer for you, which can get repairs started sooner without a separate assessment. If choosing your own repairer matters to you, you'll need the standard Comprehensive policy.
Yes. Both Allianz comprehensive policies cover EVs, including battery fires, accidental damage to your battery and charging cables, wall mounts and wall chargers you own. The difference is repairs: Essentials allocates an EV repairer for you, while standard Comprehensive lets you choose your own EV-certified repairer.
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University.
See full bio
Ceyda's expertise
Ceyda
has written
188
Finder guides across topics including:
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.
Finder
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.
ArthurAugust 8, 2019
Hi,
Does Alianz cover Uber drivers in Sydney?
Finder
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
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？
Finder
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
DaveMay 28, 2018
How to get a proof of No claim discount/bonus from Allianz Australia?
Finder
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
ArturoMay 23, 2018
do you cover Uber drivers in Victoria?
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.
Australian Unity car insurance, underwritten by Allianz, offers two levels of cover, the freedom to choose your own repairer and an easy 24-hour claims service.
Explore our analysis and see how you can find the best car insurance for your needs.
Important information about this website
Finder is a comparison service. We do not compare every product or every provider in the market.
We make money through commercial arrangements with some of the providers on this site. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement.
Our editorial content, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements.
The default order of products in our tables can be influenced by commercial arrangements. You can re-sort or filter using the controls above each table.
Some content on this site may be generated or supported by AI tools. You should verify details directly with the provider.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with.
Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below.
Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer.
We earn revenue from Finder in four principal ways:
Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer.
Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices.
Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers.
Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such.
Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances.
If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us.
When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such.
Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product.
You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements.
Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
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.
Hi Ishaq,
You’ll need to contact Allianz directly to make changes to your insurance policy. You can call them on 13 1000.
Hi,
Does Alianz cover Uber drivers in Sydney?
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
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？
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
How to get a proof of No claim discount/bonus from Allianz Australia?
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
do you cover Uber drivers in Victoria?
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