Finder makes money from featured partners, but editorial opinions are our own.

Allianz vs NRMA car insurance

A side by side comparison of Allianz and NRMA car insurance including expert analysis of features, complaints and reviews.

Gary Ross Hunter's headshot
Peta Taylor's headshot

By

Gary Ross Hunter

&

Peta Taylor

Updated

Fact checked

Allianz and NRMA are both well known insurers in Australia with comparable coverage. Allianz has some features that NRMA doesn't offer – for example, it automatically covers your own choice of repairer – but NRMA has higher benefit limits for some other features.

Allianz vs NRMA — compare key features

We've compared Allianz comprehensive car insurance to NRMA's standard comprehensive car insurance policy. See further below for other types of car insurance offered by these providers.

Allianz Comprehensive image
Allianz Comprehensive
NRMA Comprehensive image
NRMA Comprehensive
Underwriter
Allianz Australia Insurance Limited
Insurance Australia Limited
Accidental Damage
Damage to other people's car


Bonuses
No
10% online discount
Roadside assistance
No
No
Agreed or market value
Agreed
Agreed or Market
Choice of repairer
Optional
Legal liability
Yes - $20,000,000
Yes - $20,000,000
Fire and theft
Storm
Flood
Hire car after theft

Up to $50 per day - Until claim is completed

Up to $75 per day - Up to 21 days
Hire car after no fault accident
Optional

Up to $50 per day
Optional
Up to $75 per day - Up to 14 days
Hire car after at fault accident

Up to $50 per day

Reasonable Cost
Emergency repairs

Up to $500

Up to $800
Emergency travel and accommodation costs

Up to $500

Up to $1,000
New car replacement

If your car is written off or stolen in the first 2 years

If your car is written off in the first 2 years
Personal effects/property

Up to $500

Up to $1,000
Locks and keys replacement

Up to $1,000

Up to $1,000
Towing
Trailer cover


Up to $1,000
Important
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.
More info
More info

Car insurance policies on offer

Allianz offers 2 types of car insurance:

  • Comprehensive insurance
  • Third party property damage insurance

NRMA offers 4 types of non-compulsory car insurance:

  • NRMA Comprehensive Plus
  • NRMA Comprehensive
  • NRMA Third Party Fire & Theft
  • NRMA Third Party Property Damage

Customer reviews

Allianz scored 4.19/5 in our customer satisfaction awards. NRMA wasn't eligible because it's not available in Victoria. However, looking at popular online review websites, Allianz typically scores a little more highly than NRMA.

Quality insurance good customer service.

Allianz car insurance customer, QLD

Allianz car insurance customer, QLD

Better than average, but getting very expensive.

Allianz car insurance customer, NSW

Allianz car insurance customer, NSW

Great coverage, easy claims process.

Allianz car insurance customer, SA

Allianz car insurance customer, SA

Excellent, great value and service.

NRMA car insurance customer, NSW

NRMA car insurance customer, NSW

I have been with them for about 30 years find them most helpful kept them after moving from NSW to Qld.

NRMA car insurance customer, QLD

NRMA car insurance customer, QLD

Good quality insurance.

NRMA car insurance customer, WA

NRMA car insurance customer, WA

Allianz and NRMA complaints information

Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Allianz and NRMA (Insurance Australia Limited) have received and resolved.

UnderwriterComplaints received Complaints resolved at registration & referral Referral resolution rate
Allianz 57529250.78%
Insurance Australia Limited 141376053.82%

Finder's verdict

Peta Taylor's headshot
Our expert says

"Looking at the comprehensive policies, both Allianz and NRMA offer fairly similar products. Extra value may be found in the detail though. Take the hire car after theft benefit for example; NRMA offers a higher daily limit but it has a 21 day cap. Allianz will pay for a hire car until the claim is completed, which could go beyond 21 days. For many, price is a huge factor and our research shows NRMA tends to be more competitive— it also has a sign up discount."

Associate publisher

FAQs

Gary Ross Hunter's headshot
Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 655 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

More resources on Finder

More guides on Finder

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site