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
Optional
Agreed or market value
Agreed
Agreed or Market
Choice of repairer
Optional
Legal liability
Up to $20,000,000
Up to $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

Up to $50 per day

Reasonable Cost
Hire car after at fault accident
Optional

Up to $50 per day
Optional
Up to $75 per day - Up to 14 days
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.

UnderwriterComplaints received Complaints resolved at registration & referral Referral resolution rate
Allianz
575
292
50.78%
Insurance Australia Limited
1413
760
53.82%

Finder's verdict

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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

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Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 615 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

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