Allianz vs NRMA car insurance
A side by side comparison of Allianz and NRMA car insurance including expert analysis of features, complaints and reviews.
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 |
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. |
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.
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.
| Underwriter | Complaints received | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| Allianz | 575 | 292 | 50.78% |
| Insurance Australia Limited | 1413 | 760 | 53.82% |
Finder's verdict
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."
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