Comprehensive car insurance covers your car, plus damage you cause to other people’s cars or property. It does not cover your liability to pay compensation if you cause injury to another person. Get a quote online.

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 your policy, 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. 

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.

If you are driving another person’s car, you should always check their insurance policy details to confirm whether you’re covered.  You will not be covered by your Allianz Comprehensive Car Insurance policy when driving someone else's car.

Your insurance premium takes into account various factors, including, for example, the costs of fixing your car in the event of a claim. This cost will vary depending on whether the car must be replaced or if it can be repaired. Whilst the value of most cars will decrease over time (lowering the replacement cost) these claims occur much less frequently than accidental damage claims. Accidental damage claims require the car to be repaired and the cost of this usually increases each year in line with increases in the cost of parts, paint and labour. Therefore, completing the same repair to the same car will probably cost more in future years, even though the value of the car may reduce. 

When you purchase comprehensive car insurance it does not include CTP (Compulsory Third Party Insurance). CTP, also known as a Green Slip in NSW, covers your liability and the liability of anyone else who drives your car for injuries you may have caused to other road users in a motor accident. CTP doesn't provide cover for any damage you cause to other people's cars or property. Find out more information about our CTP Insurance.

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 .