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 if you are at fault
  • Cover for damage to your car if you are not at fault in an accident and the other vehicle is uninsured
  • Cover for accidental loss or damage to your car caused by fire or theft. A 72 hour waiting period applies to bushfire damage.
  • Cover for accidental damage or loss to your car including flood, storm and hail. A 72 hour waiting period applies to flood and hail storms.
  • Reasonable costs of towing after a covered accident (reasonable cost)


  • Cover for accidental damage to other people's property (including vehicles) which is partly or fully your fault
  • 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)
  • Guarantee on authorised repairs
  • Rental car following theft ($100 per day limit, up to 21 days)
  • And more

Policy documents

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, you can drive a rental car to the value of $100 a day for up to 21 days. If a rental or loan car is not available receive $50 travel allowance per day for 21 days.

Windscreen Cover

Choose this option to remove the excess on two repair claims or one replacement claim per policy year for window glass or windscreen damage. Your No Claim Bonus is not affected by those claims and you can fast track your repair by calling O'Brien Glass directly.

No Claim Bonus Protection

No Claim Bonus Protection allows you to claim one at-fault accident a year without losing your No Claim Bonus. Protects your No Claim Bonus 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.

Do you use your car for ride share?

Allianz provides cover for your car when it’s used as a ride share for services like UberX.

Simply select “Ride Share Use” as the description for your car usage when you get a quote online or contact us on 13 1000 if you’re an existing customer.

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

Restricted Drivers

Reduce your premium by restricting your policy to drivers who are 25 years of age or over. A restricted driver excess will be applied in the event of an accident where the driver is under 25.

Adjustable Excess

Increase your nominated excess to reduce your premium.

Annual Payment

Pay annually for the best price on your insurance premium.

Named Driver

Reduce your premium by specifying all your drivers. An excess will be applied in the event of an accident where the driver is not specified.

Roadside Assistance

We offer fast, reliable 24 hour roadside assistance to get you back on the road if something goes wrong. You are covered no matter who is driving and no matter where in Australia you are. Standard cover available from $89 a year.

For 24 hour Roadside Assistance call 1800 010 536.

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More about Allianz Car Insurance

Making a claim

Learn more about making a claim or start a claim now

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Allianz selected repairers

Allianz has trusted repairers in your area that offer fast and high quality service

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Quick online quote

Get a quote online in just two minutes. You have the choice of agreed or market value.

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Frequently Asked Questions

Yes. In the event that your son/daughter is involved in an accident in your vehicle and is not listed as a nominated driver on your insurance, he/she may have to pay the undeclared young driver excess, the age excess (if he/she is under the age of 25), and also the basic excess applicable to the policy, on condition that Allianz chooses to accept the claim.
Yes. Because your policy may have restrictions on a learner driver being covered in the event of a claim, you need to contact us.
To have a non-standard accessory - such as a music player - covered under your car insurance policy, you need to let Allianz know the details and value of the accessory. You need to do this for all non-standard accessories as well as modifications that you have made to the vehicle to ensure you are covered in the event of a car insurance claim. Remember to also keep a record of your purchases.
In addition to the basic excess, he/she will also be required to pay the age excess. All excesses are displayed on our car insurance policy schedule.
Windscreen protection cover is an option with ourComprehensive Car Insurance cover. We do not offer this option withThird Party Property Damage car insurance policies.
Comprehensive Car Insurance covers damage to your vehicle, loss of your vehicle or property, theft and damage to other people's property such as their vehicle. Compulsory Third Party (CTP) Insurance insures you or any other driver of your vehicle against liability for death or injuries resulting from a motor vehicle accident for which you or the driver of your vehicle are at fault. Third Party Property Damage Car Insurance provides cover or loss against someone else's property. Third Party Property, Fire and Theft Car Insurance adds cover in the event of your vehicle being stolen or catching fire.
Unless they are listed on your car insurance policy, we are unable to provide any information or action any requests on your behalf. Please contact our staff on 13 1000 to discuss what is involved in providing them access to your car insurance policy.

Why choose Allianz


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


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

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