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Policy
Benefits
Comprehensive
cover


Learn more about Comprehensive Car Insurance
Third Party Property
Damage cover

Learn more about
Third Party Property Damage Insurance
Cover for damage to
other people's property
(Legal Liability)
Up to $20 million Up to $20 million
Approved legal costs
arising out of a covered
loss under your policy
Up to $20 million Up to $20 million
Legal Liability Cover
when using a substitute
vehicle
Up to $20 million Up to $20 million
Damage to your car if
you are not at fault
in an accident and the
other vehicle is uninsured 7
Up to $5,000 or the market
value of your car, whichever
is the lesser.
Reasonable cost of
towing after a
covered incident
Cover for accidental loss
of or damage to your car
New replacement car if the car
you bought new is less than
two years old from its original
registration and is a
total loss
If your car is stolen,
where available,
a rental car is provided
for up to 21 days
($100 maximum
daily rental amount).
If a rental car is unavailable,
we will pay you
a daily travel
allowance of $50.
If your car is involved in
a collision and
we agree you were not at fault,
where available,
a rental car is provided
for up to 21 days
($100 maximum
daily rental amount).
If a rental car is unavailable,
we will pay you a daily travel
allowance of $50.
Cost of emergency repairs Up to $500
Reasonable emergency
accommodation and
travel expenses 3
Up to $750
Accidental damage to or
theft of personal effects
and clothing in your car 4
Up to $750
Replacement of any Child Seat
or Baby Capsule in the vehicle
after any one incident
Up to $500
Lock re-keying and
re-coding if keys to your
vehicle are stolen
Up to $1,000
Reimbursement of transportation
costs if your vehicle cannot be
safely driven home after
a covered accident
Up to $500
Accidental loss or damage
to a trailer or caravan attached to
your vehicle at the time
of the covered accident
Up to $1,000
Star Rating
Protection
Optional
Removal of basic excess
on windscreen claims on
1 replacement and 2 repairs
in any one period 2
Optional
Following an accident,
where available,
a rental car is provided
for up to 21 days
($100 maximum
daily rental amount).
If a rental car is unavailable,
we will pay you a
daily travel allowance of $50.
Optional
Tools of Trade damaged
in an accident or stolen
from your locked vehicle
(up to $3,000)
Optional

For a full list of events covered by Allianz Car Insurance, see the relevant PDS. This is a summary only of some of the features available on these Car Insurance policies. Before making a decision on this insurance, please carefully consider the PDS which sets out the terms, conditions, limits and exclusions or our Car Insurance.

Car Insurance Claims - Customer Rating

Our customer satisfaction rating is key to ensuring we're advocating for our customers throughout the claim process

Over the last 12 months, our customers rated their Comprehensive Car Insurance claim experience:

Find out more about what Allianz customers had to say.

Choosing Car Insurance

When shopping around for car insurance, the first question some people ask is, "Do I need Comprehensive Car Insurance or is Third Party Property Damage Insurance sufficient?"

Allianz Comprehensive Car Insurance provides you with cover for accidental damage to your vehicle or theft of your vehicle as well as damage to other people's vehicle or property where you are at fault. Additional benefits include:

  • If the car is stolen, where available, a rental car is provided for up to 21 days ($100 maximum daily rental amount.) If a rental car is unavailable, we will pay you a daily travel allowance of $50.
  • Reasonable costs of towing after a covered accident.
  • New replacement vehicle if your car which was purchased brand new or as a demonstrator model by you and is less than 2 years old and is deemed a total loss. We will replace your vehicle with a new one of the same make, model, engine size, features and paint type where available in Australia.
  • Accidental loss or damage to an attached trailer or caravan (up to $1,000) where we have accepted a claim for accidental loss or damage to the insured vehicle.
  • Emergency accommodation (Terms, conditions, limits and exclusions apply)3

In deciding whether to take out Comprehensive Car Insurance some general considerations include weighing up the financial cost to yourself if your car is a total loss compared to the insurance premium you are paying.

If your car is financed, Comprehensive cover may be a requirement of the finance company. If your vehicle is not financed, the decision to go for a Comprehensive Car Insurance policy comes down to the value of the vehicle, what it would cost you to repair it, and whether you could pay for the repairs yourself.

As your car ages and its market value decreases, a Third Party Property Damage policy may make more sense. Third Party Property Damage Insurance covers you for damage you cause to another person’s vehicle or property.

You may save money on your comprehensive car insurance premium if you:

  • Select the Named Driver policy option and list all the drivers on your policy schedule1, 5
  • Increase your excess1
  • Opt to pay your premium annually

Many people ask, what is the difference between Third Party Property Damage Car Insurance and Compulsory Third Party insurance (CTP)?

You cannot register a car in Australia without Compulsory Third Party insurance (CTP), also known as a Green Slip in NSW. 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.

CTP cover does not cover damage to property. Third Party Property Damage Insurance covers you for the damage your car causes to another person’s vehicle or property.

Getting a quote for car insurance is quick and easy if you have the right information handy. Whether you use our online service or call 13 1000, you will be asked a series of questions, including:

  • What date do you want your policy to begin: it must be within the next 30 days
  • Where is the vehicle parked overnight: is it in a garage, carport or on the road?
  • Details of the people driving the car, including their claims & driving history
  • The make, model, year and estimated kilometres travelled per year
  • Any modifications that have been made to the vehicle
  • How the vehicle is financed
  • Whether the vehicle is for business or private use
  • Your residential and employment status

When you have answered the required questions, you will be provided with the available options and given both an annual and monthly instalment quote.

For a detailed explanation of how the cost of your car insurance is worked out, please refer to the Premium, Excess, Discount and Options Guide (PED).

More about Allianz Car Insurance

Making a claim

Learn more about making a claim or start a claim now


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CTP

CTP insurance is commonly referred to as a Green Slip in NSW and must be purchased before you can register your vehicle.

Learn More

Before making a decision please consider the Product Disclosure Statement (PDS). A Premium, Excess, Discount and Options Guide (PED) is also available for reference.

Learn More

Frequently Asked Questions

Comprehensive Car Insurance insures your vehicle against accidental loss or damage in events such as accidents, theft, vandalism, fire6, hail, storm6, or flood6 damage. Plus it covers loss or damage to someone else’s car or property you cause while driving your vehicle. Visit Comprehensive Car Insurance to learn more.

Third Party Property Damage cover 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. Visit Third Party Property Damage to learn more.

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. Visit CTP Insurance to learn more.

Next Steps

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.