This information is for customers who buy a new policy. Our policies have changed over the years, so your cover may differ based on when you first purchased it. Visit our policy page for more information.
What does Comprehensive Essentials cover?
Allianz Comprehensive Essentials Car Insurance covers the basics – your car, plus damage you cause to other people’s cars or property.
It’s straightforward cover for everyday drivers, with cover for weather events like hail, storm, flood and fire.
Below is a snapshot of our product. Check out our Product Disclosure Statement (PDS) for a full list of what is and isn’t covered.
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What's covered
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What's not covered
What's covered
What's not covered
This is a summary of some of the features available when you buy a new Comprehensive Essentials policy. Our policies have changed over the years, so your cover may differ depending on when you first purchased it. Visit our policy page for more information.
Comprehensive Essentials benefits
Want additional cover?
Check out our standard Allianz Comprehensive Car Insurance policy. It covers you for more, including new car replacement and your personal belongings, plus you can choose your own repairer.
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Already an Allianz Car Insurance customer?
If you’re an existing Allianz Car Insurance customer, your cover might be different. To check what’s included, head to our policy documents. It breaks policies down by date, so it’s easy to find the one that applies to you.
Want Roadside Assistance?
Allianz Roadside Assistance is available 24/7 across Australia. If your vehicle breaks down, we'll help get you moving again.3
Why Choose Allianz Car Insurance?
Insuring Australians for 110+ years
Award-winning insurer
24/7 online claims
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Learn more about Comprehensive Car Insurance
Agreed vs market value
Agreed and market value determine how much you get if your car is written off.
What is car insurance excess?
Learn what an excess means, when you’ll need to pay it and when you won’t.
Windscreen repair and replacement
Find out how we can help with windscreen repairs and how optional cover works.
Frequently asked questions
You can’t choose your own repairer with Allianz Comprehensive Essentials. You can only do this with our standard Comprehensive Car Insurance.4
With Comprehensive Essentials, we’ll find and allocate a repairer to fix your vehicle.
Yes, with Comprehensive Essentials you can get a rental car after a collision that wasn’t your fault. You’ll get a rental car for up to 30 days.
If we can’t arrange a rental car of a similar size and type to your car, we’ll pay you $80 per day. We’ll pay you this for as long as we would have given you the rental car.
If you want a rental car for theft or after a total loss, you’ll need Comprehensive Car Insurance.
With Comprehensive Essentials, the car is covered for its market value. This is the cost to replace your car with a car of the same make, model, age and condition as your vehicle immediately prior to the loss or damage.
If you’d prefer to have your car covered for an agreed value, consider Comprehensive Car Insurance.
Yes, Comprehensive Essentials covers EVs. We can cover you for battery fires, accidental damage to your charging cables, wall mounts and wall chargers you own.
If you’d like to choose your own EV repairer,4 you’ll need Comprehensive Car Insurance.
Yes, it can – but only if you let us know your car is being used for ridesharing such as Uber. If you let us know you plan to use your car for ridesharing, we may be able to cover you. You can do this during the quote process or ask us about ridesharing cover at any time.
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*Conditions apply
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 a rental car for a maximum of up to 30 days. This benefit will end earlier if your car is repaired and returned to you, we pay you the cost of repairs, or we settle your claim as 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 $80 a day for as long as we would have given you a rental car. See the PDS for more details.
Market value means the cost to replace your car with a car of the same make, model, age and condition as your vehicle immediately prior to the loss or damage. This excludes costs and charges for registration, CTP insurance, stamp duty transfer, dealer warranty costs, transfer fees, and dealer delivery. See the PDS for more information.
Roadside Assistance is provided by AWP Australia Pty Ltd ABN 52 097 227 177. Service area limits, entitlement limits, exclusions and terms and conditions apply. For full details, read the terms and conditions.
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.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.
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, 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. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.