Is Allianz Car Insurance the Right Insurers for you? Review and Policy Comparison.
Whether you use your car to get from A to B or if you simply love the feeling of getting behind the wheel, it’s important that you have the right type and level of car insurance cover in place.
From third party damage to fire, theft and damage to your own vehicle, there are many risks that can leave you substantially out of pocket if you don’t have the right protection in place.
Allianz Australia is one of Australia’s largest insurers and has more than two and a half million policyholders around the country. Its SureCover suite of car insurance products offers a range of competitive features and is available for a discount when you purchase your policy online. Allianz car insurance policies include:
- Comprehensive Cover
- Third Party Property Damage Fire & Theft Cover
- Third Party Property Damage Cover.
- Can I save by buying my car insurance online? Receive a discount of up to 15% when you purchase your Allianz SafeCover policy online.
- Is there a No Claim Bonus? You’ll receive a discount on your policy for every year you do not make a claim.
- Can I save by having a higher excess? Choosing a higher voluntary excess will result in a lower premium for you.
Allianz SureCover Car Insurance Comprehensive Cover
This policy provides the broadest range of protection available from Allianz and it covers your car for loss or damage as well as your liability when your vehicle causes damage to another car. You can choose from an agreed or market value policy and also take advantage of Allianz’s quick and simple claims process.
- $20 million of liability cover when your vehicle damages someone else’s property or vehicle
- guaranteed authorised repairs are
- no-fault accidents where the other driver is uninsured
- new for old replacement for cars less than two years old
- towing costs
- $25,000 of accidental death cover.
- accidental loss or damage to your vehicle including:
Allianz SureCover Car Insurance TPPD F&T
When you cause damage to other people’s cars and property, this policy provides up to $20 million of liability cover. Up to $5,000 of cover is also available when your car catches fire or is stolen, while towing costs after a fire or theft are also covered.
- $20 million of liability cover when your car damages someone else’s vehicle or property. up to $3,000 of uninsured motorist cover
- covers loss or damage caused by fire or theft
- towing costs
- a repair guarantee
- legal liability cover when you’re using a substitute vehicle.
Allianz SureCover Car Insurance TPPD
Allianz’s Third Party Property Damage Car Insurance policy offers the most basic and affordable level of cover available from this insurer. It offers up to $20 million of liability cover when your vehicle causes damage to someone else’s vehicle or property.
- $20 million of liability cover for damage to other people’s vehicles and property
- legal costs arising out of a covered loss
- a repair guarantee
- uninsured motorist cover.
|If you have a claim under this policy we give benefits for:||Comprehensive cover||Third Party Property Damage Fire & Theft cover||Third Party Property Damage Cover|
|$25,000 accidental death cover|
|Accidental loss or damage|
|Damage to 3rd party property||$20 million||$20 million||$20 million|
|Damage to your car in not at fault accident with uninsured driver||Up to a market value of $3,000||Up to a market value of $3,000|
|Emergency repairs||Up to $350|
|Legal costs arising from covered loss under your policy|
|Legal liability when using substitute vehicle|
|Loss or damage to your car caused by fire||Up to a market value of $5,000|
|New replacement car if your new car is a total loss*|
|Nil excess on windscreen claim||Optional|
|Personal effects and clothing||Up to $500|
|Protected No Claim Bonus||Optional|
|Re-keying and Re-coding||Up to $500|
|Rental car following an accident||Optional|
|Rental car following theft|
|Tools of Trade||Optional|
|Trailer and caravan cover||Up to $500|
|Transportation costs||Up to $200|
|Vehicle being transported by ship|
*less than two years old from original registrationBack to top
There are certain situations when Allianz will refuse to pay your claim, including:
- if your car was being driven by an unlicensed driver
- if you have selected the Restricted Driver option and your vehicle was being driven by someone under 30 years of age
- if your vehicle was being driven by someone under the influence of alcohol or drugs, or by someone who refused to undergo drug or alcohol testing
- if your vehicle was being used to carry too many passengers or tow too heavy a load
- if your vehicle was being used in an unsafe or un-roadworthy condition
- if your car was being used to carry passengers for hire, fare or reward
- if your car was being used for racing or motor sport of any kind
- if your car was being used in connection with the motor trade
- if your claim arises from a deliberate or intentional malicious act by you or someone else acting on your behalf
- if your claim relates to acts of war or terrorism
- if your claim is for depreciation or wear and tear
- if your claim is for mechanical or electrical breakdowns or failures
- if your claim is for tyre damage caused by braking or punctures
- if your claim relates to the lawful seizure of your vehicle
- if you fail to take reasonable steps to protect or safeguard your vehicle.
Allianz will assess the likelihood of you making a claim before deciding on how much your cover will cost. The cost of your car insurance premiums could be influenced by:
- How old are you? Older, more experienced drivers are cheaper to insure than their younger counterparts.
- What type of car do you drive? Cars that are more expensive or more powerful will typically cost more to insure.
- Do you drive a lot? The annual mileage you clock up in your vehicle will be taken into account.
- Are you a man or woman? Male drivers typically cost more to insure than females.
- Where do you park your car at night? Your car is much less likely to suffer loss or damage if it’s parked in a locked garage overnight instead of left on the street.
- Do you live in an area with a high crime rate? Your premiums might cost more if you live in a high-crime area, for example.
- Do you own the vehicle outright? Whether your vehicle is owned outright or if you have outstanding finance.
When you make a claim under your policy, in many cases you will have to pay an excess to contribute towards the cost of your claim. One or more of the following excesses may apply to your policy:
- Basic excess. This is made up of the minimum basic excess, the voluntary excess (which can reduce your premium) and any policy imposed excess.
- Age excess. If you make a claim for an accident where your vehicle was being driven by someone aged under 25, you’ll need to pay this excess.
- Undeclared young driver excess. If you make a claim for an accident where your vehicle was being driven by someone aged under 25 and that person was not listed in your policy schedule, you’ll need to pay this excess.
- Inexperienced driver excess. If you make a claim for an accident where your vehicle was being driven by someone over 25 years of age who has not held a licence for more than two years, this excess will apply.
- Theft excess. This excess applies to claims of theft or attempted theft.
- Driver excess. This excess applies for claims made when the listed person is driving your vehicle.
If you’re involved in an accident, do not admit liability but do make sure to check that everyone is okay. Take all reasonable steps to prevent further loss and contact the emergency services if necessary. If your car has been stolen, report the theft to the police as soon as possible.
You can then phone Allianz as soon as possible to begin the claims process. You’ll be supplied with a claim form and will need to provide full details of the incident to an Allianz representative, who will then start the process of getting you back on the road.Back to top
Q. What details do I need to get after an accident?
- A. Try to get the name, contact details, driver’s licence number and insurance details of the other driver(s) involved in the accident. You should also endeavour to take down the details of any witnesses to the accident and, if safe to do so, take photographs of the accident scene.
Q. I’ve been in an accident that wasn’t my fault - will my No Claim Bonus be affected?
- A. Generally speaking, this will not affect your No Claim Bonus, but you will need to be able to provide details of the responsible party and vehicle.
Q. How can I find a repairer?
- A. Allianz offers a helpful repairer locator to help you find a trusted repairer.
Q. Can I lodge my claim online?
- A. Yes, the online Allianz Car Insurance claims system allows you to lodge your claim electronically in about 10 minutes.
Whether you drive a big SUV or a micro hatchback, Allianz Car Insurance policies offer a competitive range of features and benefits. Just make sure to weigh up all of your options before you decide on the car insurance policy that’s right for you.