Allianz car insurance review

With a higher-than-average price but no particularly impressive benefits, Allianz was outperformed by many other car insurers in the 2024 Finder Insurance Awards.

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Nicola Middlemiss

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Our verdict

Pros

  • Your policy covers any fully-licensed driver, so you can lend your car to a friend knowing they'll be covered if anything happens
  • You can pay monthly at no extra cost
  • Electric vehicles are covered, including your battery, charging cables and wall charger

Cons

  • The only cover option is Agreed
    value, which might not suit some drivers
  • Hire car cover only pays Up to $50 per day, less than many other insurers
  • Up to $500 worth of personal effects are covered, but many other providers offer more than this.

How does Allianz compare with other car insurers?

Allianz has a similar level of cover to many other car insurers but its price is higher than average. Cheaper car insurance options are available.

Features

1 - 5 of 5
Updated regularly
Product Finder Score Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Finder Score
8.5 Great
Optional
  • If your car is written off or stolen in the first 2 years
    • Summary: A great value policy with exceptional customer service. Youi won the 2024 Finder Award for Customer Satisfaction. It scored highly for features and benefits, customer service and reliability. It also automatically includes roadside assistance in its price - a feature that typically costs upwards of $90 per year.
    Get QuoteView details
    Finder Score
    9.1 Excellent
    Optional
  • If your car is written off in the first 2 years or is under 40,000kms
    • Optional
    Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Get QuoteView details
    Allianz Comprehensive
    Allianz logo
    Finder Score
    7.7 Great
  • If your car is written off or stolen in the first 2 years
    • 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
    NRMA Comprehensive
    NRMA logo
    Finder Score
    9.9 Excellent
    Optional
  • If your car is written off in the first 2 years
    • Optional
    View details
    AAMI Comprehensive Car Insurance
    AAMI logo
    Finder Score
    8.3 Great
  • If your car is written off or stolen in the first 2 years
    • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    View details
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    What do Australians think of Allianz roadside assistance?

    • 4.23/5 overall for Customer Satisfaction - lower than the average of 4.31
    • 4.7/5 for Trust - higher than the average of 4.52
    • 4.21/5 for Customer Service - lower than the average of 4.33

    Based on Allianz roadside assistance scores in Finder's 2024 Customer Satisfaction Awards.

    Compare Allianz's policies

    Product
    Accidental damage
    Roadside assistance
    Fire and theft
    New Car Replacement
    Hire car after theft
    Allianz Comprehensive
    Allianz logo
  • If your car is written off or stolen in the first 2 years
  • Up to $50 per day - Until claim is completed
    • 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
    Allianz Third Party Property Damage
    Allianz logo
    • 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
    loading

    Finder Awards badge

    Congratulations, Allianz!

    Allianz received the following highly commended awards in the 2024 Customer Satisfaction Awards:

    • 'Car Insurance - WA' - Loved Brand
    • 'Car Insurance - NSW & WA' - Trusted Brand
    • 'Car Insurance - WA' - Quality Service Brand
    Full list of 2024 winners

    What additional cover options are available?

    Allianz offers a couple of optional benefits to strengthen its comprehensive car insurance policy. They are:

    • No excess for windscreen damage only claims - Don't pay any excess for one full windscreen, window glass, or sun roof replacement and two repairs in each 12-month period.
    • Rental car after any covered incident - Get a rental car if yours is out of action due to any covered incident including weather events or at-fault collision. Up to $50 per day.

    FAQs

    Compare other products from Allianz

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 245 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance
    More resources on Finder

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    16 Responses

      Default Gravatar
      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 ?

        Default Gravatar
        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

      Default Gravatar
      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.

        Default Gravatar
        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

      Default Gravatar
      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

        AvatarFinder
        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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