Allianz Comprehensive Car Insurance

Why Do I Need It?

Allianz claims to be among the lowest prices on comprehensive car insurance for drivers over 30.

When Can I Claim?
  • Accidental damage – Collision or crash
  • Theft or attempted theft, malicious damage or vandalism
  • Environmental damage – Storm, fire, storm, flood, hail
What Can I Claim?
  • o Baby capsules or child seats
    • Up to $500
  • Damage to another person’s vehicle and property (up to $30 million)
    • Up to $20 million is allocated to cover the damage to another person’s vehicle and property.
  • Cover for damage to your car if you are not at fault in an accident and the other vehicle is uninsured.
  • Emergency repairs to get you home or to a repairer
    • If you are unable to drive your car after an accident, we cover the cost of emergency or temporary repairs up to $500 per incident so that it can be driven or used again.
  • Emergency transport or accommodation
    • If you are more than 100kms from home and your car is not roadworthy, Allianz covers your cost of transport home or temporary accommodation for one night up to $750.
  • Fatality cover
    • If the driver of your vehicle dies as a result of the collision, Allianz will pay the driver’s estate up to $25,000. Plus supplementary bodily injury cover of $20 million.
  • Keylocks and barrels – replace and recode
    • Allianz replaces and recodes keylocks and barrels up to $1,000
  • Legal costs
    • Approved legal costs are covered
  • Modifications, options and accessories
  • New for old replacement
    • If your new car is a write-off, Allianz replaces it with a brand new one, if it is less than two years old
  • No claim bonus
    • You are allowed one at-fault claim without it affecting your No Claim Bonus if you are eligible
  • Personal items damaged or stolen from the vehicle
    • If any personal items are damaged in an accident, or stolen from your locked car, Allianz covers up to $750 to repair or replace them.
  • Repair or replacement of a towed vehicle (up to $1,000)
    • If a trailer is stolen or damaged while attached to your vehicle, Allianz pays up to $1,000 to repair or replace it.
  • Repair lifetime guarantee on authorised repairs
  • Towing services
    • If your vehicle is damaged in an incident and cannot be driven or used, Allianz tows it from the scene of the incident to a safe place, the nearest repairer or another agreed place.
  • Third party property insurance over your substitute car
  • Reimbursement of transportation costs if your vehicle cannot be safely driven home after a covered accident. Up to $500.

For theft or attempted theft…

  • Car hire costs up to a total of 21 days
    • If your car is stolen or it is unsafe to drive as a result of a theft or attempted theft, Allianz pays the cost of a hire car, from the time of the theft or attempted theft, until everything is back to normal—your car is recovered and repaired, your claim is settled if your car is a total loss—or for 21 days, whichever is shorter. ($100/day limit).
What Else Can I Cover Myself For?

You can add the following options to increase your peace of mind.

  • Removal of basic excess on windscreen claims
  • Rental car following an accident ($100/day limit up to 21 days)
  • Tools of trade (up to $1,500)
Why Is Allianz Different?

Others charge you for this stuff. We don’t.

  • Support pay-by-the-month, fortnight or annually for no extra cost
    • Choose to pay your insurance premiums monthly, fortnightly or even yearly by instalments from your bank account, credit car or debit card, and we don’t charge a cent more.
  • We won’t touch your No Claim Bonus when you make your first at-fault claim

You can save money on your Allianz comprehensive car insurance premium if you:

  • Limit the number of drivers (Minimum premiums may apply.)
  • Restrict drivers under 25 (Minimum premiums may apply.)
  • Have a named driver only (Minimum premiums may apply.)
  • Compare and choose your extras carefully
  • Buy online and get up to 15% discount*
  • Qualify as a safe driver
  • Increase your excess

Get a Quote

Happy customer

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Comprehensive Car Insurance Comparison Table

NRMA NRMA Comprehensive + AMMI CGU QBE Budget Direct Just Car Allianz
Colision or Crash
24/7 Roadside Assist Optional ($7/mth) Optional  $89/year
Baby Capsules and child seats (up to this amount)
$500

$500

Replacement cost

$500

$500
Damage by uninsured drivers
$5,000

$5,000

Conditional
Damage to other people’s vehicles or property (value) $20 million $20 million $20 million $30 million As awarded $20 million $20 million $20 million
Emergency repairs to get you home or to a repairer $800 $800 $500 $500 $500 $500
Emergency travel and accommodation if you are more than 100km from home and your car is not safe to drive $500 $500 $1,050 $850 $750
Fatality Cover (up to this amount)
$5,000

$2,500

$5,000

$25,000
Hire car until claim is settled unless otherwise stated Optional – $95/day $95/day Optional (similar value to your car) Optional (14 days) Optional Optional
Keylocks & barrels – replace and recode
$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000
Legal costs for a coronial inquiry (up to this amount)
$5,000
All legal costs
Modifications, options and accessories
Unlimited

Unlimited
New for old replacement (up to age of car)
2 years old

2 years old

2 years old

3 years old

4 years old, 100,000km

2 years old, 40,000km

2 years old
No claim bonus protection Optional
Optional
Optional
Conditional

1 claim/yr

1 claim/yr
No excess windscreen cover Optional Optional Optional Optional Optional Optional
Over 50s discount
Personal items
$500

$500

$500

$500

$500

$500

$750
Remove accident debris from the road (up to the value of this cost)
$500
Repair lifetime guarantee
Storage costs
Taxi service
Third party property insurance over your substitute car
14 days
Tools of trade (business use vehicles) $1,500 $1,500 Optional
Towing
Trailer. Towing a trailer or caravan? (Covered up to the value of this cost)
$1,000

$1,000

$1,000

$1,000

$1,000

$1,000
UberX driver? Optional ($2/day) Optional ($2/day) Optional
Vehicle pick up and return
$500

$500
We pick the repairer
Weather Storm, fire, flood, earthquake, explosion, tsunami Storm, fire, flood, earthquake, explosion, tsunami Hail, storm, flood, fire Fire, flood, storm
Windscreen, sunroof and window glass damage
Theft
Hire car $65/day up to 21 days $65/day up to 21 days
14 days

14 days

14 days

21 days