Insurance from your perspective
Any driver coverage
¹ Driver exclusions apply if the driver is unlicensed, is not following the conditions of their license, 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.
Life (less) interrupted
² 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 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.
Flexibility
What does Comprehensive Car Insurance cover?
plus damage you cause to other people's cars or property
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Included benefits
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Optional benefits
¹ Driver exclusions apply if the driver is unlicensed, is not following the conditions of their license, 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 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 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.
Choose more benefits (extra cost)
- No excess for windscreen damage only claims
With this option, you won't have to pay the excess for one full windscreen, window glass or sun roof replacement and two repairs in each period of insurance. - Rental car after any covered incident
With this option, you’ll receive a rental car after covered incidents such as weather events or a collision that is your fault. If we can’t arrange one, receive a $50 a day travel allowance.4
⁴ 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 $50 a day for as long as we would have given you a rental car. See the PDS for more details.
Are you an existing customer?
Claims made easy
Our friendly claims team will help you find a repairer, and keep you informed along the way.
Submit your claim online 24/7.
Call between 7:30am to 8:30pm AEST, Monday to Friday. Outside of these hours we will have an emergency service available.
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We insure over three million general insurance customers.

Frequently asked questions
Insuring your car
Each insurance company calculates the cost of car insurance differently.
The cost of your car insurance is determined by a range of factors.
When calculating your car insurance premium, we consider factors such as:
- 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
To find out how much you would pay for our Comprehensive Car Insurance, get a quote.
Comprehensive car insurance is not mandatory in Australia but there are benefits to having it. If you choose not to take out comprehensive car insurance and you or the driver of your car is at fault in an accident, you will be responsible for the cost of any damage to your own car as well as for the damages caused to any third party property.
Did you purchase your car with a loan? Some financial institutions might require you to have comprehensive car insurance if you took out a loan to purchase your car.
When you take out Allianz Comprehensive Car Insurance, we’ll agree on an amount with you that we’ll cover your car for. We call this the 'agreed value'.
It's up to you to decide how much cover you need (within a given range). As a guide, it should be enough to replace your car if a covered incident happened and your car couldn’t be repaired.
You will also need to factor in:
- any modifications, options or accessories that have been made or added to the car
- GST
- registration and any CTP insurance
- on-road costs like stamp duty, dealer delivery, dealer warranty costs or transfer fees.
You can always find the agreed value in your policy documentation.
Understanding comprehensive cover
Our Comprehensive Car Insurance provides cover for accidental loss or damage to your car, as well as your legal liability for the damage you cause to other people’s cars or property. Some examples of loss or damage to your car covered by this insurance includes:
- Motor accidents such as a collision with another car
- Theft
- Fire damage
- Storm damage
- Hail damage
- Damage whilst your car is parked
View the PDS for more information, or visit car insurance to learn more about the different types of car insurance we offer.
Cover for damaged windscreens is provided by your Allianz Comprehensive Car insurance policy, subject to payment of any applicable excess shown in your policy documentation.
We also offer an optional benefit which can remove excess on windscreen damage only claims in respect of one claim for full replacement and two claims for repairs in each period of insurance. For full details of conditions and exclusions please refer to the relevant PDS .
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*Conditions apply
- Driver exclusions apply if the driver is unlicensed, is not following the conditions of their license, 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.
- 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 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.
- 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.
- 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 $50 a day for as long as we would have given you a rental car. See the PDS for more details.
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.