Select from our range of car insurance optionsAt Allianz, we offer a range of Car Insurance options that you can choose from

Comprehensive
Insurance




Cover for your car and damage you cause to other people's property

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Third Party Property
Damage Insurance




Cover for damage you cause to other people's property

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CTP




Cover for any liability you incur for injuries caused in a motor vehicle accident.

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Comprehensive or Third Party Property Damage?Choose the car insurance that is right for you.

  • ComprehensiveCover for your car and damage you cause to other people's property
  • Cover for accidental damage to your car
  • Cover for accidental damage to other people's property (including vehicles) which is partly or fully your fault
  • Cover for accidental loss or damage to your car caused by fire or theft. A 72 hour waiting period applies to bushfire damage. Refer to the PDS for Terms and Conditions.
  • Cover for accidental loss of or damage to your car including flood, storm and hail. A 72 hour waiting period applies to cyclone, flood or bushfire. Refer to the PDS for Terms and Conditions.
  • Guarantee on authorised repairs 3
  • Reasonable costs of towing after a covered accident
  • Third Party Property DamageCover only for damage you cause to other people's property

  • Cover for accidental damage to other people's property (including vehicles) which is partly or fully your fault
  • Approved legal costs arising out of a claim for liability covered by your policy
  • Cover for accidental damage to your car if you are not at fault in an accident and the other vehicle is uninsured. Up to a maximum value of $5,000 determined by the market value of your car
  • Legal liability cover when using a substitute vehicle while your vehicle is being repaired or serviced (excluding hire cars) 4

Policy documents

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Product Disclosure Statement (PDS). A Premium, Excess, Discount and Options Guide (PED) is also available for reference.

CTP Insurance

Provided your vehicle is registered, your CTP will cover you for any liability you incur for injuries you may cause other road users as a result of a motor vehicle accident anywhere in Australia. This includes injuries caused to your passengers, drivers and passengers of other vehicles, pedestrians, cyclists, motorcyclists and pillion passengers. CTP also covers injuries caused through the use of a trailer when attached to a registered vehicle.

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Frequently Asked Questions

Comprehensive Car Insurance provides you with cover for repairing or replacing your vehicle if it is damaged in an accident or while it is not being driven. It also provides you with cover for damage you cause to other people's property and vehicles. 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 only provides cover for damage you cause to other people's vehicle and property, while Third Party Property, Fire and Theft provides additional cover for damage to your vehicle caused by fire or theft.

Car Insurance (Comprehensive or Third Party Property Damage)

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 a higher ‘Age excess’ for drivers not listed on your policy schedule in addition to Your Basic Excess, on condition that Allianz chooses to accept the claim. If they were listed on the policy, you would pay a lower “Age excess” in addition to Your Basic Excess.
No. Learner drivers are automatically covered provided the instructing driver meets the policy criteria as set out in your schedule and PDS.
To have a non-standard accessory - such as a music player - covered under your car insurance policy, you need to let Allianz know the 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 Your Basic Excess, he/she will also be required to pay the relevant Age excess for drivers listed on your policy schedule. All excesses are displayed on our car insurance policy schedule.
Unless they are listed on your car insurance policy, we are unable to provide any information nor can they 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.

CTP Insurance

Compulsory Third Party (CTP) personal injury insurance covers injury caused to third parties when you or the person driving your vehicle is the driver at fault in an accident. Third parties include your passengers and other road users, such as drivers, passengers of other vehicles, pedestrians, cyclists, motor cyclists and pillion passengers. Your CTP insurance also covers you for injuries caused through the use of a trailer.

All registered vehicles including cars, trucks, motor bikes and motor scooters require CTP insurance. Trailers do not as they are covered by the towing vehicle's CTP insurance.

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