Comprehensive Car Insurance



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Choosing Comprehensive CoverComprehensive Car Insurance provides cover for your car and other people's cars and property.


Protect your car

  • Cover for accidental damage to your car
  • Cover for accidental loss or damage to your car caused by fire or theft. A 72 hour waiting period applies to bushfire damage. Refer to the PDS for Terms and Conditions.
  • Cover for accidental damage or loss to your car including flood, storm and hail. A 72 hour waiting period applies to cyclone, flood or bushfire. Refer to the PDS for Terms and Conditions.
  • Reasonable costs of towing after a covered accident

  • Cover for accidental damage to other people's property (including vehicles) which is partly or fully your fault 5
  • Approved legal costs arising out of a claim for liability covered by your policy
  • Legal liability cover when using a substitute vehicle while your vehicle is being repaired or serviced (excluding hire cars) 5
  • Guarantee on authorised repairs 3
  • 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.
  • And more

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.

Upgrade your Comprehensive coverGet extra cover. Choose from these options when you get a quote.

Rental Car


When your car goes in for repair after 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.

Removal of basic excess for windscreen claims

Choose this option to remove the excess on two repair claims and one replacement claim per policy year for window glass or windscreen damage. Your Star Rating is not affected by those claims and you can fast track your repair by calling O'Brien Glass directly.4

Star Rating Protection


Star Rating Protection allows you to claim one at-fault accident a year without losing your Star Rating. Protects your Star Rating in the event of an at-fault accident, or a claim where the responsible party can't be identified, or a claim where your car is damaged by nature or wildlife.

Ways you can saveOptions to help you tailor your Comprehensive Car Insurance.

Adjustable Excess

Option to increase your excess which may reduce your premium.

Annual Payment

Pay annually for the best price on your insurance premium.

Named Driver

Reduce your premium by listing all your drivers. An excess will be applied in the event of an accident where your vehicle was being driven by any driver not listed in your policy.

More about Allianz Car Insurance

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Frequently Asked Questions

When you purchase comprehensive car insurance, the premiums that you pay contribute to what your insurer will be drawing from to cover the cost of repairs for accidental loss (including theft) or accidental damage to your vehicle, as well as damage you cause to other people’s cars or property that resulted from a claim.


New for old replacement of a new vehicle (where applicable)

New for old replacement means that Allianz will replace your vehicle with a new vehicle of the same make, model, engine size, features and paint type including any modifications, options and accessories so long as it’s available in Australia and provided your vehicle is a total loss, is less than 2 years old (from first registration) and you purchased it new (or as a demonstrator model) from the manufacturer or dealer.


Modifications & Accessories

Accessories are extras fitted to your vehicle; they may be supplied by the Manufacturer or non-standard. Modifications are any changes that are made to the standard manufacturer vehicle. Be sure to advise your insurer of any changes made to your vehicle as this may affect your cover and the value of your car if you need to make a claim. Some examples of modifications may include:

  • Tinted windows
  • Enhanced sound systems
  • Spoilers
  • Sport seats

Excess

An excess is your contribution towards the cost of the claim (i.e: a co-payment). Most claims types (e.g. hail or storm damage) require you to pay an excess and, in some cases, you may be required to pay more than one excess. All applicable excesses are shown on your Policy Schedule. Where we agree that you are not at fault, and you can provide us with the responsible party’s name, address and vehicle registration details, your excess may be waived.

Agreed value is an amount we agreed your vehicle is to be insured for, as shown on your policy schedule. Market value is an amount we determine as the value of your vehicle at the time of a claim. This value takes into account vehicles of the same make, model, age, kilometres and condition as your vehicle immediately prior to the loss or damage.

Allianz Comprehensive Car Insurance covers you for accidental loss of including theft or any other type of accidental damage that happens to your vehicle during the period of insurance. Some examples of these situations are:

  • Fire damage
  • Storm damage
  • Hail damage
  • Damage whilst your car is parked
  • Accidents

To find out everything that Allianz Comprehensive Car Insurance covers refer to the PDS for more information.

Some of the contributing factors that may impact the cost of your comprehensive car insurance are:

  • Experience of drivers
  • Year and model of car
  • Where your car is parked
  • Driving history

You may be able to reduce your premium by selecting the Named Driver option and listing all your drivers. A higher excess will be applied in the event of an accident where your vehicle was being driven by any driver not listed on your policy. You may also be able to change your premium by adjusting your excess. If you choose to pay by monthly instalments there is a 12% service fee that applies, so you may choose to pay annually.


To find out how much you would pay for Allianz Comprehensive Car Insurance, get a quote in 2 minutes.

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, it may mean that if you are in an at-fault accident you may be responsible for paying the damages caused to any third party vehicle(s) or property as well as your own vehicle.


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 vehicle.

When you purchase comprehensive car insurance it does not include CTP. CTP (Compulsory Third Party Insurance), also known as a Green Slip, covers your liability and the liability of anyone else who drives your vehicle for injuries you may have caused to other road users in a motor accident. Allianz also offers CTP insurance, so head to the CTP Insurance product page for more information or to get a quote.

Cover notes are insurance contracts that provide temporary cover for your vehicle. At Allianz we don't offer temporary insurance cover or cover notes. However, if you purchase a comprehensive car insurance policy with us you will be provided a Certificate of Insurance that you can provide to your financier to prove the vehicle is insured.

Why choose Allianz

Fast

Our online system is available day and night so you can sign up and manage your cover whenever it suits you.

Easy

Allianz customers have access to a quick and easy claims process.

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