Help and contact
Search
Help and contact


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.

Our Comprehensive Car Insurance customers rated their claim experience 4.5 out of 5 over the last year. See more about what our customers had to say.

We've got your EV covered – and cared for

You’ve made the choice to drive cleaner. We’re here to back that choice with cover that cares for your EV. Our Comprehensive Car Insurance is designed with electric drivers in mind, including EV commercial vehicles, and includes:

Batteries and charging cables

Loss or damage to batteries and chargers you own, including wall chargers, mounts and charging cables.1

Fire, including battery fires

Cover for fire damage, including EV battery fires such as thermal runaway.2

Loss or damage to your EV battery

We’ll cover accidental loss or damage to your EV battery.

Choice of EV certified repairers 

Use one of our EV certified repairers or choose your own with Comprehensive cover.3

New EV replacement 

Get a new EV if yours is written off within two years of manufacture.4

What you get with Comprehensive cover

Support that keeps you and your EV moving with confidence. Our Comprehensive Car Insurance also covers you for:

What's covered

What's covered

  • Accidental damage to your car, including theft
  • Weather events – such as hail, storm, flood and fires
  • Rental car when you’re not at fault in a car incident11
  • Transport costs5 – up to $500
  • Emergency repairs – up to $500
  • Emergency accommodation6 – up to $500
  • Key replacement after theft7 – up to $1,000
  • Towing and storage – reasonable costs
  • Personal belongings8 – up to $1,000
  • Baby capsules and child seats9 – up to $650 per seat
  • Legal liability10 – for up to $20 million

This is a summary of some of the features available when you buy a new Comprehensive Car Insurance policy. Our policies have changed over the years, so your cover may differ depending on when you first purchased it. Visit our policy page and read the PDS for full details.

What's not covered

What's not covered

  • Unroadworthy cars
  • Unregistered cars
  • Ridesharing (unless you tell us)
  • Undisclosed or illegal car modifications
  • Damage to your tyres (unless part of a covered incident)
  • Mechanical and electrical breakdown
  • EV wall chargers and accessories you don’t own

This is a summary of some of the features available when you buy a new Comprehensive Car Insurance policy. Our policies have changed over the years, so your cover may differ depending on when you first purchased it. Visit our policy page and read the PDS for full details.

Upgrade your cover

You can add these options to your policy for an additional fee.

Removal of excess for windscreen damage only claims

You won’t pay an excess if your windscreen, window glass or sunroof is the only part of your car that needs repair or replacement. Cover includes one replacement and two repairs each insurance period.

Learn more

Rental car after any covered incident

With this option, you receive a rental car after an insured event – whether it’s bad weather or an accident that was your fault.11

Compare our Comprehensive options for your EV

We offer three types of Car Insurance that can cover your EV. Compare to find out which one is right for you.

This is a summary of some of the features available when you buy a new Car Insurance 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.

EV tips and safety guides

We’re part of the Allianz Group, which has a global presence in over 70 countries. With access to the Group’s automotive research centre in Munich, we can share in the collective knowledge about electric vehicle (EV) research, safety, and repairs from more established markets around the world.

Safety and tech in EVs

Explore the latest EV tech, from infotainment to OTA updates, designed to boost safety and convenience.

Read more

Thermal runaway in EVs

There’s a lot of myth around EV battery fires. Learn how thermal runaway works, how you’re covered, and how to stay safe.

Read more

EV charging at home

Charging at home starts with the right setup. Learn where to install a charger and what power supply you’ll need.

Read more

Managing your electric car repair

Our authorised EV repairers handle high‑voltage systems fast, and guarantee materials and workmanship.

Watch the video

Insurance for your type of EV

Learn more about how to insure your specific EV, HEV or PHEV.

Roadside Assistance 24/7 Australia wide

Worried about your electric car running out of charge while you’re on the road? We can help get you moving again if your electric car breaks down.13

Additional EV resources

Carloop logo

Carloop

Keep up to date with Australian EV data and ownership trends provided by a team of industry experts working to help car owners transition to electric cars.
Visit Carloop
EV FireSafe logo

EV FireSafe

An Australian EV fire research company, which focuses on improving safety for emergency responders at electric car traction battery fires.
Visit EV FireSafe

Find the right Car Insurance for your EV

Comprehensive Car Insurance

Popular with people who want to cover damage to their own car, including newer and second-hand cars.

  • Damage to your EV
  • Damage to other people’s cars and property
  • Fire, theft and weather damage
  • Choice EV repairer3
Learn more

Comprehensive Essentials

Designed for people who want cover for essentials, like damage to your car, without the extras.

  • Damage to your EV
  • Damage to other cars and property
  • Fire, theft and weather damage
  • Allianz allocated repairer
Learn more

Third Party Property Damage Insurance

Popular with second-hand car owners who only want cover for damage caused to other people’s cars.

  • Damage to other people's cars and property
  • Damage to your EV
  • Fire and theft damage
  • Weather damage
Learn more

Ready to insure your EV?

Get your quote

Frequently asked questions

EV insurance cover

You might be able to get specialised insurance for EVs but you don’t necessarily need to get it. For example, Allianz provides cover for EVs with its Comprehensive Car Insurance policies.

We can cover common EVs issues, such as thermal runaway2 and damage to charging accessories.1 You can find this information in the Allianz product disclosure statement.

We only offer agreed value cover with our Comprehensive Car Insurance.

This is different from market value cover, where you’re insured for the reasonable replacement cost based on what your car is worth ‘in the market’ when it is written off. You’re covered for market value with our Comprehensive Essentials policy.

With agreed value, you’ll be covered for an amount that we agree to insure your car for, regardless of your car’s depreciation during the policy term.

If your electric car is written off or stolen and not recovered, you should have more clarity around the amount you’ll receive.

Want to know more about the differences? Read our agreed vs market value cover guide.

Allianz Comprehensive Car Insurance policies provide cover for your battery, including thermal runaway,2 as well as charging cables and wall chargers in your home.1  

Not all car insurance providers offer the same coverage. Car insurance may cover your electric car for loss or damage including fire, but you’ll need to check your policy details to confirm whether your EV battery is specifically covered.

Allianz Comprehensive Car Insurance and Comprehensive Essentials provides cover for thermal runaway in your EV, as well as your battery, charging cables and wall chargers you own in your home.

Yes, Allianz Comprehensive Car Insurance covers the sunroof of EVs if they’re made of glass, for example, the Heavy Duty Laminated glass that Tesla uses.

If you choose to add optional windscreen cover to your Comprehensive Car Insurance policy, you won’t pay an excess on any windscreen or window glass claim, including the sunroof, for one replacement and/or two repairs per policy period. This excess waiver doesn’t apply if the support structure of the vehicle’s frame or any electrics parts are also damaged.

Allianz Comprehensive Car Insurance policies can provide cover for Teslas. If you’re eligible, you’ll be covered for battery fires and thermal runaway,2 accidental damage to charging accessories you own and more. Please refer to the PDS for more information.

Costs and savings

There are lots of factors that determine how much your car insurance costs. Each insurance company calculates car insurance premium differently. When calculating your car insurance premium we consider a range of factors such as:

  • Your age
  • Driving history
  • Claims history
  • Where you live
  • The type of EV you own

Sometimes EVs may be more expensive to insure than a traditional car. There are a few reasons for this:

  • Batteries are costly to produce, source and replace.
  • In some cases, parts may need to be imported for repairs.
  • Some repairers may not be able to repair your EV – they may need to go to a specialist.
  • Assessing and repairing damaged electric vehicles can be more costly and time-consuming.

With Allianz Comprehensive Car Insurance, you can potentially lower insurance costs by:

  1. Increasing your excess
    The excess is a specified amount you need to pay when you make a claim. By increasing the excess, you may be able to lower your base premium. This is only available with Comprehensive Car Insurance.
  2. Reducing the amount you drive
    When you get a quote with Allianz, we’ll ask you how much you use your car. You may be able to get a reduced premium depending on the kilometres you drive.
  3. Consider the excess for drivers under 25
    When you get a quote, we ask if you would like to reduce your excess for drivers under 25 (there is an excess payable in addition to the basic excess for drivers under 25). If you select no, your premiums won’t increase. This could be an easy way to save on your premium but it’s important that you consider what's right for you.
  1. Start your quote. First, we’ll get some details about your EV, such as your registration details or the make, model and year of your car.
  2. Tell us about yourself. We’ll get some details about your age, driving history and where the car is kept.
  3. Receive a quote. If you’re eligible for insurance, we’ll quote you a monthly and annual fee. You’ll also have the option to add optional benefits with a Comprehensive policy and adjust your excess.

Owning, charging and EV safety

You can top up your vehicle’s energy supply at home. Charging your EV at home can be the cheapest and most convenient way to power your vehicle, providing you have off-street parking.

You can even charge your EV overnight while you sleep, by drawing power from your home and using a cable to supply it to your vehicle.

Find out more about how to adapt your home for EV charging, including tips for installing an EV charger, average costs, and safety considerations. Allianz Comprehensive Car Insurance provides cover for your EV, including your battery, charging cables and wall chargers in your home.

This depends on how much you use your electric car. Many EV manufacturers guarantee their EV batteries for eight years or 160,000 km. However, some EV batteries can last up to between 15 to 20 years within the car. As technology continues to evolve, the lifespan of EV batteries may also extend past this.

This will depend on the electricity rates, the battery size of your electric car and the charging speed.

DC fast charging provides the quickest charging times for EVs, and costs approximately $0.40 to $0.80 per kWh, according to Energy NSW.

In Australia, charging an EV at your home typically costs less, offering a cheaper alternative to the running costs for traditional petrol-powered vehicles. If you have solar panels, this can reduce the cost of EV charging even more.

It’s less likely for an EV to catch fire when compared to fires related to petrol or diesel cars. International research conducted in Sweden reported that EVs are twenty times less likely to catch fire than a petrol or diesel car.

Batteries in an EV can become unstable when the battery cells have sustained damage, for example when the EV is involved in a traffic collision.

Thermal runaway in a damaged battery can cause it to catch fire when accompanied by the release of flammable gas. Read more about thermal runaway in EV batteries.

Allianz Comprehensive Car Insurance and Comprehensive Essentials provides cover for your EV, including your charging cables and wall chargers if they’re damaged in an insured event.

This depends on the type of charger used, the size of your EV’s battery, and the maximum charge rate that the vehicle can accept. A standard electric car with a 70kWh battery would, on average, need around 10 hours to become fully charged from empty using a 7kWh charging point.

For more information about charging your EV, read our guide to charging your electric vehicle.

Electric and hybrid vehicles explained

You don’t usually need a separate type of insurance for different types of electric vehicles with Allianz. Our Comprehensive Car Insurance can cover a wide range of electric and hybrid vehicles.

This includes:

  • Battery electric vehicles (BEVs) – fully electric cars
  • Plug-in hybrid vehicles (PHEVs) – cars that use both electricity and petrol, and can be plugged in
  • Hybrid vehicles (HEVs) – cars that use petrol and a battery but don’t need charging
  • Hydrogen fuel cell vehicles (FCEVs) – cars powered by hydrogen

When you insure your vehicle with Allianz Comprehensive Car Insurance, you can be covered for things like damage to your vehicle, as well as your battery and charging accessories you own (where applicable), along with other standard inclusions.

The main difference comes down to how the vehicle is used:

  • Fully electric and plug-in hybrid vehicles rely more on batteries and charging equipment
  • Hybrid vehicles use a petrol engine with a smaller battery, so they don’t need to be plugged in
  • Hydrogen vehicles generate electricity using fuel cells

In some cases, hybrid vehicles may cost less to insure than fully electric vehicles (EVs), but it depends on your situation.

There are a few reasons why:

  • Hybrids often have lower battery replacement costs than EVs
  • They use a petrol engine as well, so repairs may be more widely available
  • EVs can require more specialised parts and repairers

However, insurance costs are based on many factors, including:

  • Your age and driving history
  • Where you live
  • The make and model of your car
  • How much you drive

At Allianz, we consider all these factors when calculating your premium. Both hybrids and EVs can be covered under our Comprehensive Car Insurance.

The best way to understand your cost is to get a quote based on your specific vehicle.

Hybrid cars do have batteries, and these may be covered under your car insurance, depending on your policy.

At Allianz, Comprehensive Car Insurance can cover loss or damage to your hybrid’s battery if it’s damaged in a covered incident, such as an accident, fire or severe weather.

However, it doesn’t cover you for:

  • Normal wear and tear
  • Gradual battery degradation over time
  • Mechanical or electrical breakdown

No, most hybrid vehicles (HEVs) do not need to be plugged in.

They charge their batteries while you drive, using the petrol engine and regenerative braking. This means you don’t need to install a home charger or rely on charging stations.

Plug-in hybrids (PHEVs) are different. They can be charged like an EV but still have a petrol engine as a backup.

Because most hybrids don’t use external charging equipment, cover for items like charging cables or wall chargers usually isn’t relevant in the same way as it is for EVs.

Follow us on

*Conditions apply

  1. EV charging accessories, including charging cables, wall chargers, and mounts, must be owned by the insured.
  2. Battery thermal runaway for EVs is covered under fire, provided there has been no deviation from manufacturer specification in relation to battery usage and charging.
  3. 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.
  4. If your new car is stolen or written off, you can choose for us to pay you the agreed value or to have your new car replaced with one of the same make and model where available in Australia.
  5. We'll reimburse you up to $500 for the costs of travelling from the scene of the accident or to or from the repairer or rental car provider.
  6. We’ll pay up to $500 per incident for extra accommodation costs if you’re more than 100 km from home and your car isn’t drivable after a covered incident.
  7. We’ll pay up to $1,000 per period of insurance for key replacement and lock recoding if your car key is stolen and you’ve reported the theft to the police.
  8. We’ll pay up to $1,000 per incident to replace your personal belongings if they’re lost, stolen, or damaged because of a covered incident unless the car itself isn’t damaged or stolen, or is left unlocked. Excludes cash, credit cards, cheques, firearms, tools, or other items related to a business.
  9. We’ll pay to replace any damaged or stolen child seat or baby capsule in your car at the time of a covered incident (up to $650 per seat, per incident) unless the car itself isn't damaged or stolen.
  10. 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.
  11. If you choose this option, 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.
  12. 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.
  13. 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.
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.