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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
Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Allianz Comprehensive
Allianz Comprehensive
  • 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
    Budget Direct Comprehensive
    Finder Award
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
    • Optional
    Finder's 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
    Youi Comprehensive
    Finder Award
    Youi Comprehensive
    Optional
  • If your car is written off or stolen in the first 2 years
    • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    Get QuoteView details
    NRMA Comprehensive
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
    • Optional
    View details
    AAMI Comprehensive Car Insurance
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
    • Optional
    Finder's 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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    Allianz is a good insurance company but a little too pricey. They should have deals for long term clients

    Rebecca, QLD

    Rebecca, QLD

    They may be slightly more expensive than others but their ease of claiming and customer service doesn't compare. You get what you pay for!

    Anon, SA

    Anon, SA

    Comfortable with the extent of cover and reliability of Allianz for a pretty competitive annual premium

    Bernard, SA

    Bernard, SA

    Quality insurance good customer service

    Jane, QLD

    Jane, QLD

    Allianz is good value for money when compared to other insurances. Very easy to set up, less stress

    Sokant, VIC

    Sokant, VIC

    Compare Allianz's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Allianz Comprehensive
    Allianz Comprehensive
  • 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 Third Party Property Damage
    • Finder’s 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

    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.

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    FAQs

    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 238 Finder guides across topics including:
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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 ?

      Reply
        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

        Reply
      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.

      Reply
        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

        Reply
      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

      Reply
        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

        Reply
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