Imagine if every time you sat down for a coffee at your favourite café, they spilt it when they brought it to the table.
After a while, you’d notice a pattern. You could start predicting the coffee spill, and even do something about it - like have a napkin handy.
That’s how insurance works - on a much more detailed level. Large amounts of historical data are gathered so that patterns of insurance payouts can be calculated. When you enter your individual details, computer databases compare other people who match your profile, and the risks associated with them.
Then it’s a fine line between being competitive, and ensuring payout costs are covered.
Some of the key factors that help determine car insurance risk include:
Allianz have recently added more questions into their online car insurance quoteonline car insurance quote, so they can more accurately predict how good a risk you actually are, and ensure you’re not paying for other people’s mistakes.
By comparing your details against those of others that match the profile, a premium amount can be calculated.
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For terms, conditions and exclusions of our insurance, please refer to the Product Disclosure Statement (PDS).
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.