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Car Insurance options explained

With optional extras to choose from, you can tailor your
insurance policy to get the cover you want.

At Allianz, we know that not everyone needs or wants the same level of car insurance. Our extra options are available so that you can pick and choose what's best for you.

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Understanding Car Insurance Options

Get extra benefits or keep it simple with Allianz Car Insurance options. You can improve your cover with additional options, or reduce your premium using the Restricted Drivers and Adjust Your Excess options.

Options to improve your cover

  • Rental Car
  • Having your car "out of action" after an accident can be more than just inconvenient; it can be a major disruption to daily life. The Rental Car option can make sure that it's "life as usual" for you and your family.
  • No Claim Bonus Protection
  • No Claim Bonus Protection can safeguard the benefits of your good driving record and allows you to have one at fault accident a year and still maintain your maximum No Claim Bonus rating.
  • Windscreen Cover
  • No excess on window or windscreen claims once a policy year for replacement or twice a policy year for repairs, without affecting your No Claim Bonus

Options to reduce your premium

More information


Cover at a glance

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Product Disclosure Statement

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 Allianz Car Insurance policies only. Drivers must be aged 30 years plus. Eligibility conditions in relation to all drivers. Discount available for new Allianz Car 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.