Who underwrites Allianz car insurance?

Allianz Australia Insurance Limited underwrites its own insurance products, including its comprehensive car insurance.

How is my premium calculated?

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.

What is the difference between agreed and market value?

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.

Are learner drivers covered?

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.

Is ridesharing or delivery work covered?

No. New policies do not cover vehicles used for ridesharing services, such as Uber, or for delivering food or goods for payment.

What's the difference between Allianz Comprehensive and Comprehensive Essentials?

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.

Can I choose my own repairer with Comprehensive Essentials?

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.

Does Comprehensive Essentials cover electric vehicles?

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.

Allianz Car Insurance 2026: Review & Compare

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Allianz launched Comprehensive Essentials Car Insurance in March 2026, a stripped-back comprehensive policy aimed at older and second-hand cars, which is a typically lower-cost alternative to its standard Comprehensive cover.
Comprehensive Car Insurance offers you agreed value, choice of repairer and new car replacement in the first 2 years. Comprehensive Essentials Car Insurance offers market value only, with a repairer allocated by Allianz.
Both policies cover electric vehicles, including loss or damage to the battery, as well as loss or damage to charging accessories including charging cables, wall mounts and wall chargers you own.

Pros

Two levels of comprehensive cover, which allows you to choose which one suits your circumstances.
You can pay your premium monthly at no extra cost.
Electric vehicles are covered on both policies, including loss or damage to the battery, as well as loss or damage to charging accessories you own including charging cables, wall mounts and wall chargers.

Cons

No choice of repairer for Comprehensive Essentials product, which can be a dealbreaker for certain drivers.
Up to $1,000 worth of personal effects are covered, but many other providers offer more than this.

Compare Allianz's policies

Finder Score	Accidental damage	Fire and theft	Hire car after theft
9.1 Excellent Allianz Comprehensive	9.1 Excellent	Standalone	If your car is written off in the first 2 years	Optional extra - Up to 30 days	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.	View details Compare product selectionCompare	loading
7.9 Great Allianz Comprehensive Essentials	7.9 Great	Standalone			Finder’s summary: Allianz Comprehensive Essentials is a straightforward policy covering the just basics. Who it might be good for: This policy is ideal for drivers looking for a small but might policy.	View details Compare product selectionCompare	loading
8.6 Great Allianz Third Party Property Damage	8.6 Great	Standalone			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.	View details Compare product selectionCompare	loading

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.

Read the full methodology

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Why choose Allianz car insurance?

Allianz car insurance includes the following features and policy options:

Two tiers of comprehensive cover. Comprehensive Car Insurance offers the highest level of cover, while Comprehensive Essentials Car Insurance trims back some features 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.
Agreed versus market value. Comprehensive Car Insurance offers agreed value (a fixed payout amount you set upfront) and market value. Whilst Comprehensive Essentials Car Insurance covers your car for market value only, which may help keep the premium down.
Choice of repairer (Comprehensive only). When you have Comprehensive Car Insurance you can pick your own repairer or let Allianz find one. With Comprehensive Essentials Car Insurance, 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. With Comprehensive Car Insurance, 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 loss or damage to the battery, and loss or damage to charging accessories including charging cables, wall mounts and wall chargers you own. With Comprehensive Car Insurance, you can choose from one of Allianz's EV certified repairers or pick your own.
Excess options. With Comprehensive Car Insurance and Essentials Car Insurance, you can choose your basic excess within any given range, which may reduce your premium.
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 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

This is not an exhaustive list. For a full list of terms, conditions and exclusions, please refer to the PDS.

How to lodge a claim online

Allianz car insurance claims can be lodged 24/7 via the online portal.

What to do after a motor vehicle accident:

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

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.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Ceyda Erem

Senior writer

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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

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16 Responses

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.

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.

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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Allianz car insurance review

Allianz offers two levels of comprehensive car insurance: Comprehensive Car Insurance, the highest level of cover and Comprehensive Essentials Car Insurance, which is a typically lower cost alternative.