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.
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
All authorised repairs include a guarantee on materials and workmanship for as long as the vehicle is owned or leased.
Comprehensive policies provide specialised coverage for electric and hybrid vehicle batteries and charging equipment.
Premiums can be paid in monthly or annual instalments for the same total yearly cost.
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
No choice of repairer for Comprehensive Essentials product.
Up to $1,000 worth of personal effects are covered, but many other providers offer more than this.
Compare Allianz's policies
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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:
New car replacement. If your car is written off in the first 2 years of its original registration, it will be replaced with a new vehicle of the same make and model.
Rental car following theft. If your vehicle is stolen, Allianz covers the cost of a rental car for Up to $80 per day - Up to 30 days.
Electric and Hybrid vehicle cover. Specialist coverage is available for EV and hybrid components, including dedicated insurance for batteries, charging cables, and wall mounts.
Flexible excess options. Policyholders can choose to increase their basic excess to reduce the overall cost of their premium.
Monthly payments at no extra cost. Premiums can be paid in monthly instalments for the same total annual cost as a single upfront payment.
Choice of value types. For comprehensive policies, owners can choose between "Agreed Value" to fix a payout amount or "Market Value" to cover the vehicle's current worth.
24/7 claims assistance. Claims can be lodged and tracked through an online portal or via telephone at any time.
How much does Allianz car insurance cost?
To help give you an idea about Allianz car insurance costs, we gathered annual quotes across their various policy types. Just remember, prices are going to change based on things like your vehicle make, model and year, where the car is parked, driver's age, claim history and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
How we picked these
To determine these insurance costs, we sourced comprehensive, third party fire and theft & third party property damage car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.
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.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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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.
With strong cover and reasonably-priced policies, AAMI performed well in the 2024 Finder Awards. However, some popular benefits are missing and cheaper options are available.
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We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
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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