Comprehensive Car Insurance


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Safe Driver Benefits

Allianz Safe Driver Benefits rewards your good driving with a star rating. The more stars you have, the lower your premium will be.

Watch the video to find out more about Allianz Safe Driver Benefits.



Your Safe Driver Star Rating

= 5-10% discount
= 15% discount
= 15% discount + Star Rating Protection at no extra cost*

How many stars do I get?

If you’ve bought a new Allianz Comprehensive Car Insurance policy, you’ll start with up to four stars. The number of stars you first get depends on both yours and your named drivers’ claims history, how long you’ve been driving, and whether you hold a current comprehensive car insurance policy with another provider. If you have a policy with multiple vehicles, a different Safe Driver Star Rating may apply for each one.

How do I get more stars?

Your star rating is re-calculated when you renew your Allianz Comprehensive Car Insurance. Every two years of claims-free insurance will give you an extra star, until you’ve achieved the maximum six-star rating.

Can I make a claim and not lose a star?

Yes you can. Your Safe Driver Star Rating will not be affected if:

  • You or any nominated drivers did not contribute to the cause of the accident
  • Your vehicle was damaged while parked and you can provide us the with the name and contact details of the other person involved
  • The amount we’ve paid out to cover your loss has been recovered

When will I lose a star?

Every at-fault claim you make over the year of your policy will cause you to lose one star. If your Safe Driver Star Rating drops to three-stars or below, you’ll lose your discount benefits.

How does Allianz Star Rating Protection work?

When you have Allianz Star Rating Protection, your first at-fault claim will be covered and you won’t lose a star. It’s available if you have a six-star rating. You can also purchase this option as long as you are on an Allianz Safe Driver Star Rating of 4 Stars or higher and all vehicle owners and drivers are over 25 years of age.

Want to know more?

If you have any more questions, or if you want to check if you meet our requirments and see how Safe Driver Star Ratings work, you can download this handy infographic or call the Allianz Contact Centre on 13 1000.