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Frequently asked questions

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FAQs - Choosing the right insurance for your car

Yes. In the event that your son/daughter is involved in an accident in your vehicle and is not listed as a nominated driver on your insurance, he/she may have to pay the undeclared young driver excess, the age excess (if he/she is under the age of 25), and also the basic excess applicable to the policy, on condition that Allianz chooses to accept the claim.

Yes. Because your policy may have restrictions on a learner driver being covered in the event of a claim, you need to contact us.

To have a non-standard accessory - such as a music player - covered under your car insurance policy, you need to let Allianz know the details and value of the accessory. You need to do this for all non-standard accessories as well as modifications that you have made to the vehicle to ensure you are covered in the event of a car insurance claim. Remember to also keep a record of your purchases.

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.

Windscreen protection cover is an option with our Comprehensive Car Insurance [link] cover. We do not offer this option with Third Party Property Damage car insurance [link] policies.

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 insures you or any other driver of your vehicle against liability for death or injuries resulting from a motor vehicle accident for which you or the driver of your vehicle are at fault. Third Party Property Damage Car Insurance provides cover or loss against someone else's property. Third Party Property, Fire and Theft Car Insurance adds cover in the event of your vehicle being stolen or catching fire.

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.

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Product Disclosure Statement

For terms, conditions and exclusions of our insurance, please refer to the Product Disclosure Statement (PDS).

Online discounts
Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year's premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.
Minimum premiums may apply
Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice.
Car Insurance discounts
The online discount does not apply to Third Party Fire & Theft policies and Third Party Property Damage policies. Safe Driver Discount applies to new SureCover Plus Motor Insurance policies only. Drivers must be aged 30 years plus. Eligibility conditions in relation to all drivers. Discount available for new SureCover Plus Motor Insurance policies only.
$25,000 Accidental Death Cover
At no extra cost, if you or your spouse has an accident that results in an injury which is the sole cause of death within 90 days of the injury, we will pay your estate $25,000.
Windscreen cover excess
Only applies where damage to windscreen is the only damage to the vehicle.

Terms, conditions, limits and exclusions apply. Please see the relevant PDS available on this website for details.