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.

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Ceyda Erem

Updated

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Key takeaways

  • 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 Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Allianz logo
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 selection
    Allianz logo
    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 selection
    Allianz logo
    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 selection
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    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.

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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:

    1. Secure the scene. Ensure all parties are safe and contact emergency services if there are injuries or safety hazards.
    2. Exchange details. Collect names, contact numbers, driver's licence numbers, and registration details from any other drivers involved.
    3. Record evidence. Note the date, time, and location. Take photos of the damage and collect contact details from any witnesses.
    4. Report theft. Contact the police for incidents involving theft or malicious damage and obtain a report number.
    5. Submit online. Access the Allianz online claims tool using your policy number and personal details. No repair quotes are required at this stage.
    6. Assessment. A claims consultant will contact you within approximately two business days to provide a claim number and discuss the repair process.

    FAQs

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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

      Lisa's avatar
      LisaSeptember 30, 2017

      If I hit kangaroo in friends car but due to being on pension can’t afford gap straight away, how long do I have to put claim in through allianz ?

        Liezl's avatar
        LiezlSeptember 30, 2017

        Hi Lisa,

        Thanks for reaching out.

        Generally, the insurer’s claims team will advise the policy owner when they will need to pay an excess which could be upfront or as a deduction from the claims settlement. I suggest you request the policy owner contact Allianz directly to enquire about the claims process and excess payment.

        Cheers,
        Liezl

      Holger's avatar
      HolgerJune 7, 2017

      Hi there!

      With Allianz car insurance, am I only covered in Australia or anywhere? I am thinking of a road trip all the way to Germany.

        Jonathan's avatar
        JonathanJune 7, 2017

        Hi Holger!

        Thanks for the comment.

        Allianz Car Insurance cover options such as Comprehensive International Single/Duo, Multi-Trip Single and Basic Single/Duo include overseas emergency medical assistance and emergency medical and hospital expenses.

        You may contact them directly to know more or read their Product Disclosure Statement located on their website.

        Hope this helps.

        Cheers,
        Jonathan

      Barry's avatar
      BarryJanuary 6, 2017

      As a non resident with 9 years plus NCB from U.K., awaiting permanent residence visa is it possible to get fully comprehensive insurance

        Richard Laycock's headshotFinder
        RichardJanuary 9, 2017Finder

        Hi Barry,

        Thanks for getting in touch. Unfortunately, overseas visitors and non-residents are not eligible for comprehensive cover and are only able to get third party options such as CTP.

        Cheers,
        Richard

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