1. Do I need to list my child as a nominated driver – they have just received their probationary licence?
Yes. If he/she has an accident in the vehicle and is not nominated to drive the vehicle, he/she may be required to pay the undeclared young driver excess, the age excess (if they are under 25 years of age) and also the basic excess applicable to the policy, on condition that Allianz chooses to accept the claim.
2. Do I need to let you know that my children now have their learner licences and that we will be using the car we have insured with you to teach them how to drive?
Yes. You need to contact us, as your policy may have restrictions on it that restrict a learner driver from being covered in the event of a claim.
3. I have bought a new CD player for my car and I want it covered if it gets stolen. What do I do?
You need to let us know the details and the value of the accessory so we can add it to your car insurance policy. You will need to do this for all non-standard accessories you have on your car. Remember to also keep a record of the purchases. It is important that you disclose all non-standard accessories and modifications to Allianz to ensure you are fully covered in the event of a car insurance claim.
4. If my 23-year-old son/daughter, who is a nominated driver on my policy, hits another car what excess will they have to pay?
In addition to the basic excess he/she will also be required to pay the age excess. All excesses are displayed on our car insurance policy schedule.
5. Can I apply windscreen protection cover?
If you have comprehensive car insurance cover you are able to take up our windscreen protection option. We do not offer this option on our Third Party Property Damage car insurance policies.
6. What is the difference between Comprehensive, Compulsory Third Party and Third Party Car Insurance?
Comprehensive Car Insurance
Comprehensive Car Insurance covers damage to your vehicle, loss of your vehicle or property, theft and damage to other people’s property such as their vehicle.
Compulsory Third Party (CTP) Insurance
Compulsory third party (CTP), insures you or any other driver of your vehicle against liability for death or injuries you may inflict on other road users as a result of a motor vehicle accident for which you or the driver of your vehicle are at fault.
Third Party Car Insurance
Third Party Property Damage car insurance provides cover or loss against someone else’s property. While, Third Party Property, Fire and Theft Insurance adds cover in the event of you vehicle being stolen or catching fire.
7.Can a family member enquire or make changes to my car insurance policy?
Unfortunately unless they are listed on your car insurance policy, we are unable to provide any information or action any requests on your behalf. Please contact our staff on 13 1000 to discuss what is involved in providing them access to your car insurance policy.
