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Car Insurance

We have a range of car insurance options to choose from.
Join thousands of satisfied customers.

This information relates to new customers who have joined on or after 9th September 2021. For existing or renewing customers, please view the relevant PDS
  • Covers anyone you give permission to drive your car. Driver and usage exclusions apply1
  • Provides up to $20 million cover for damage you cause to other people's cars or property
  • Loss or damage to your car, up to an agreed value
  • Rental car after a collision that wasn’t your fault and the other driver's details are provided. If we can't arrange one, get a $50 a day travel allowance2
  • Offers choice of repairer - we'll help you find one, or you can choose your own3

  • Covers anyone you give permission to drive your car. Driver and usage exclusions apply1
  • Provides up to $20 million cover for damage you cause to other people's cars or property
  • Reasonable legal costs and expenses from court proceedings due to a liability claim
  • Doesn't cover damage to your car
  • This is not CTP insurance


This is a summary only of some of the features available in our Comprehensive Car Insurance and Third Party Property Damage Car Insurance policies. These features apply for new customers with policies effective from 9 September 2021. Existing and renewing Car Insurance policies will continue under the Allianz Car Insurance PDS. Before making a decision on this insurance, please carefully consider the Product Disclosure Statement available on this website which sets out the terms, conditions, limits and exclusions.

We offer Compulsory Third Party (CTP) insurance in NSW, QLD and SA. 

  • CTP insurance is a mandatory requirement to register your vehicle
  • Provides cover for injuries caused to your passengers
  • Covers injuries caused to other road users
  • Doesn't cover damage to cars or property


Our comprehensive car insurance customers rated their claim experience 4.4 out of 5 over the last year.  See more about what our customers had to say.

There are many types of private motor vehicle insurance in Australia, such as comprehensive, third party property damage, third party property damage fire and theft, and compulsory third party (CTP) which differs in each state and territory.

 We offer Comprehensive Car Insurance and Third Party Property Damage Car Insurance in all states. We also offer CTP Insurance in NSW, QLD and SA.

If you are not sure whether Third Party Property Damage Car Insurance or Comprehensive Car Insurance is best for you, visit our car insurance comparison page to find the right cover for you.

We also offer Caravan and Trailer Insurance in Australia.

Each insurance company calculates the cost of car insurance differently.

The cost of comprehensive and third party property damage car insurance is determined by a range of factors. When calculating your car insurance premium, we consider factors such as:

  • the type of cover you hold
  •  the age, driving experience and claims history of the person who drives the car most
  • the year, make and model of your car
  • the location your car is parked

You can get a quote online for our Comprehensive Car Insurance and Third Party Property Damage Car Insurance.

An excess is the amount you will need to pay towards the cost of a claim.  All applicable excesses are shown in your policy documentation. Where you or the driver of your car are involved in an accident and are not at fault and can provide us with the responsible party’s details, you may not have to pay an excess.
If you have comprehensive car insurance, you may be able to reduce your premium by increasing your basic excess. You may have to pay a higher excess at claim time.
If you have given a family member authority and we have agreed, then we are able to provide any information about your insurance policy and can action any requests on your behalf. Please contact us on  13 1000 to discuss what is involved in providing family member access to your car insurance policy.
No. For customers with Allianz Comprehensive or Third Party Property Damage Car Insurance, learner drivers driving the car with your permission are automatically covered when accompanied by an instructing driver holding a full, unrestricted Australian drivers licence and who meets the criteria set out by your relevant State Roads Authority. 
All registered vehicles including cars, trucks, motor bikes and motor scooters require CTP insurance. Trailers do not as they are covered by the towing car's CTP insurance. Learn more about CTP insurance.
  1. Driver exclusions apply if the driver is unlicensed, refuses a drug or alcohol test, is under the influence of drugs or exceeds the legally allowed alcohol limit. Refer to the Comprehensive Car Insurance or Third Party Property Damage Car Insurance PDS for full driver, usage and other policy exclusions as set out in the "What's not covered" section. An additional excess applies to drivers under 25.
  2. We'll arrange a rental car after a covered collision where you are not at fault and have provided us with the at fault person's details. You'll get the rental car for as long as it takes to either fix your car, pay you the cost of repairs, or determine if your car is a total loss. If a rental car of a similar size and type (e.g. medium SUV) to your car is not available, we will pay you a travel allowance of $50 a day for as long as we would have given you a rental car. See the PDS for more details.
  3. If you choose your own repairer, we may need a second quote from another repairer chosen by us just to make sure the quote you've received is reasonable.  We may then authorise repairs, pay you reasonable repair costs or the car’s agreed value or replace your new car where policy conditions are met.

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.

Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered on this website.