Help and contact
Search
Help and contact


This information is for customers who buy a new policy. Our policies have changed over the years, so your cover may differ based on when you first purchased it. Visit our policy page for more information.

Our Comprehensive Car Insurance customers rated their claim experience 4.5 out of 5 over the last year. See more about what our customers had to say.

What’s the difference between Comprehensive, Comprehensive Essentials and Third Party Property Insurance?

Comprehensive Car Insurance

Our Comprehensive Car Insurance covers your car, plus damage you cause to other people's cars or property, and more, such as new car replacement1 and choice of repairer.2

Learn more

Comprehensive Essentials

Our Comprehensive Essentials policy also covers your car, plus damage you cause to other people's cars or property – with Allianz allocated repair and market value cover.3

Learn more

Third Party Property Damage Insurance

This helps cover the cost of accidentally damaging someone else's car or property. Damage to your own car is not covered.

Learn more

Cover for repairing or replacing my car

Cover to keep you on the road

Cover for items inside your car

This is a summary of some of the features available when you buy a new Car Insurance policy. Our policies have changed over the years, so your cover may differ depending on when you first purchased it. Visit our policy page for more information.

Explore Car Insurance in your state

Compulsory Third Party (CTP)

Compulsory Third Party (CTP) insurance isn’t the same as Third Party Property Damage. It’s a mandatory policy that generally covers anyone who drives your vehicle (including yourself) for injuries caused to others in an at-fault motor accident.

Why choose Allianz Car Insurance?

Insuring Australians for 110+ years
Award-winning insurer
24/7 online claims

Related articles

Difference between CTP vs Third Party Property Damage

Not sure what the difference is between CTP and Third Party Property Insurance? Allianz guides you through these easily confused insurance types.

Read more

What is Car Insurance Excess?

Ever wondered how excess affects your car insurance claims? We tackle the ins and outs of excess to help you better understand your policy.

Read more

Agreed vs market value

Agreed and market value determine how much you get if your car is written off – but one gives you more control over your payout. Learn what’s right for you.

Read more

Frequently Asked Questions

Visit Car Insurance to learn more about the different types of car insurance we offer in Australia.

Third party property damage insurance covers damage you cause to others’ property but not your own car – so it might be more suitable for older or low-value vehicles.

If you want cover for damage to your own car, only comprehensive car insurance can cover you. Our Comprehensive Essentials covers this too.

Insurers differ because their levels of cover vary and they use their own methods to assess risk. This means your car insurance quotes might vary widely between insurers, even for the same car and driver.

With Allianz Comprehensive Car Insurance, you can choose your own repairer.2

You’ll be assigned an Allianz allocated repairer with our Comprehensive Essentials policy.

You won’t have either option with Third Party Property Damage Insurance because it doesn’t cover damage to your own car. Many insurers may not allow you to choose your own repairer, so make sure you do your research before deciding on who’s right for you.

We're here to help

Explore our Help page for questions about your policy, claims, payments, and more. If you need to reach us, we're ready to connect.

Visit Help and contact

Follow us on

*Conditions apply

  1. If your car is written off within 2 years of its manufacture, you can choose for us to pay you the agreed value or to have your new car replaced with one of the same make and model where available in Australia.

  2. 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.

  3. Market value means the cost to replace your car with a car of the same make, model, age and condition as your vehicle immediately prior to the loss or damage. This excludes costs and charges for registration, CTP insurance, stamp duty transfer, dealer warranty costs, transfer fees, and dealer delivery. See the PDS for more information.

  4. We'll arrange a rental car of a similar size and type to your 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 a rental car for a maximum of up to 30 days. This benefit will end earlier if your car is repaired and returned to you, we pay you the cost of repairs, or we settle your claim as 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 $80 a day for as long as we would have given you a rental car. See the PDS for more details.

  5. If you choose this option, we will arrange a rental car of a similar size and type to your 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. This will apply after any covered incident, no matter who is at fault. 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 $80 a day for as long as we would have given you a rental car. See the PDS for more details.

  6. Roadside Assistance is provided by AWP Australia Pty Ltd ABN 52 097 227 177. Service area limits, entitlement limits, exclusions and terms and conditions apply. For full details, read the terms and conditions.

Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.

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, 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. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.