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.
Is Comprehensive Essentials right for you?
Allianz Comprehensive Essentials Car Insurance is typically a lower-cost alternative to our standard Comprehensive Car Insurance policy.
It’s designed for second hand or older cars, and for drivers who want cover for their own car. Unlike Third Party Property Damage, it also covers your car, as well as damage to other people’s vehicles and property.
If your car is a few years old, you may not want features like new car replacement or agreed value cover. Choosing market value cover instead can help you save on your premium. That’s where Comprehensive Essentials can be a smarter choice.
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
How market value can work for you
With Comprehensive Essentials, your car is covered for its market value3 – what it would cost to replace your car with one of similar make, model, age and condition at the time of the claim.
For many second hand or older cars, this can be a practical option. You’re not paying extra for features designed for newer or higher value vehicles, which can help keep premiums lower while still having cover for your car.
If you prefer the certainty of having your car’s value set upfront, agreed value is available with our standard Comprehensive Car Insurance.
Want to compare all our options?
Take a look at our comparison guide
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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, help is available to get you moving again.4
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
Costs and value
Comprehensive Essentials is designed to be a lower cost alternative to our standard Comprehensive Car Insurance, so in most cases it will be cheaper.
However, there are some exceptions where a Comprehensive Car Insurance quote may come in lower than Essentials. Two examples include:
- Excess choice: Comprehensive Essentials has a fixed excess, while Comprehensive Car Insurance lets you choose your excess. Selecting a higher excess on a Comprehensive policy can reduce the premium.
- Vehicle value: If you choose a lower agreed value for your car under a Comprehensive policy, this can sometimes result in a cheaper premium compared to Comprehensive Essentials.
If you drive a second hand or older car, you may prefer to consider Comprehensive Essentials as it does not include features such as new car replacement.
If you have a newer vehicle, you may want to consider whether Comprehensive Car Insurance suits your needs.
Yes, it can be a good fit for used or older cars. If your car is a few years old, you may not want features like new car replacement or agreed value cover. Comprehensive Essentials focuses on covering your car at market value.3
Comprehensive Essentials goes further than Third Party Property Damage by covering your car as well as damage you cause to other people’s vehicles or property. It can be a good step up if you want cover for damage to your own car without paying for our standard Comprehensive cover.
Coverage questions
With Comprehensive Essentials, we allocate a repairer for you.
We’ll allocate a repairer straight away, so repairs can often start sooner without needing a separate assessment. This can make the process simpler and faster, getting you back on the road sooner.
If choosing your own repairer is important to you, our standard Comprehensive Car Insurance may be the better option.4
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 after any covered incident, (including theft or after a total loss), you’ll need Comprehensive Car Insurance.
The excess is the amount you pay when you make a claim. It is shown on your Policy Details Document.
With Comprehensive Essentials, your excess is fixed, so it’s simple and easy to understand.
If you’d prefer more flexibility, our Comprehensive Car Insurance lets you adjust your excess, within a given range, to suit your needs.
With Comprehensive Essentials, the car is covered for its market value.3 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.
Market value reflects current used car prices and may differ from an agreed value, which is a fixed amount. The option you choose can affect your premium and the amount payable if you make a claim. Consider which option best suits your needs.
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. We can also allocate you an EV repairer.
If you’d like to choose your own EV repairer,5 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
Provides up to $20 million cover for damage you cause to other people's cars or property, arising out of a single accident and its related events.
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 $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.