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




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

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Cover for damage you cause to other people's property

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Cover for the driver of your car for injuries they cause to other road users in a motor 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 of or damage to your car including flood, storm and hail. A 72 hour waiting period applies to cyclone2, flood2 or bushfire2
  • 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 vehicle if we agree you are not at fault in an accident and the other vehicle is uninsured1. Up to a maximum value of $5,000
  • Legal liability cover when using a substitute vehicle while your vehicle is being repaired or serviced4

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.

Generally CTP covers the driver of your vehicle for injuries they may have caused to other road users in a motor accident. In certain jurisdictions in Australia it may also provide cover for injuries to the driver of your vehicle even if they were at fault in the accident.

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Frequently Asked Questions

Generally in Australia there are three types of car insurance: Comprehensive Car Insurance, Third Party Property Damage Insurance and CTP Insurance. All motor vehicles must have CTP Insurance cover.

  • Comprehensive Car Insurance insures your vehicle against accidental loss or damage in events such as accidents, theft, vandalism, fire2, hail, storm2, or flood2 damage. Plus it covers loss or damage to someone else’s car or property you cause while using your vehicle.
  • Third Party Property Damage Insurance insures you for damage you cause to someone else’s car or property while using your vehicle but doesn’t include cover for your vehicle.
  • Compulsory Third Party (CTP) Insurance generally covers the driver of your vehicle for injuries they may have caused to other road users in a motor accident.

  • If you are not sure whether Third Party Property Damage Insurance or Comprehensive Car Insurance is best for you, visit our car insurance comparison to see the differences in cover.

    You can also get Caravan & Trailer Insurance in Australia.

    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 policy schedule, you may have to pay a higher ‘Age excess’ in addition to Your Basic Excess, provided Allianz has accepted the claim. If they were listed on the policy schedule, 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 as well as the criteria set out by your relevant State Roads Authority.
    In addition to Your Basic Excess, you will also be required to pay the relevant Age excess for drivers listed on your policy schedule. All excesses are displayed on your car insurance policy schedule. Imposed excesses may also be applicable.
    We are unable to provide any information about your insurance policy to family members nor can they action any requests on your behalf, unless you have given them authority and we have agreed. Please contact us on 13 1000 to discuss what is involved in providing them access to your car insurance policy.

    The cost of your car insurance will depend on a range of factors, including driving history, car model, and the kind of cover being purchased.

    We calculate CTP, Third Party Property Damage and Comprehensive car insurance premiums based on a variety of factors such as:

    • driving experience and history
    • the year and model of the car
    • the location the car is usually parked.

    An excess is the amount you will need to pay when you make a claim. All applicable excesses are shown on your policy schedule. Where you are deemed not at fault and can provide us with the responsible party’s name, address and vehicle registration, your excess may be waived.

    You can view and manage your policy online, click here to log in.

    CTP Insurance

    Generally CTP covers the driver of your vehicle for injuries they may have caused to other road users in a motor accident. In certain jurisdictions in Australia it may also provide cover for injuries to the driver of your vehicle even if they were at fault in the accident. Visit CTP Insurance to learn more.

    All registered vehicles including cars, trucks, motor bikes and motor scooters require CTP insurance. Visit CTP Insurance to learn more.

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