Frequently Asked questions


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General

A driver with an overseas licence is covered on your policy so long as they abide by the laws and driving regulations of the state or territory which they will be driving in.

In Australia, laws and driving regulations differ from state to state. Some states require you to carry an International Licence with your current foreign licence. Other states request you carry your current foreign driver's licence together with a formal translation of your licence into English.

In most Australian states and territories (the exception is the Northern Territory), you are able to drive on an overseas licence as long as it is current. You can only drive vehicles which your overseas licence authorises you to drive and you must drive according to any conditions on your overseas licence.

You do not have to advise us that a driver using your car is in possession of an overseas licence, however it is important to let us know about anybody that you know of who will drive your car and have them listed on your policy. This will assist with avoiding any unlisted driver excesses that may apply in the event of a claim and ensure that all drivers are covered by your policy. For full details of conditions and exclusions please refer to the relevant PDS.

Allianz Car Insurance covers you when you’re driving off-road so long as you’re obeying the law, not driving on private land without permission and using the vehicle as designed.
Your insurance premium takes into account various factors, including, for example, the costs of fixing your car in the event of a claim. This cost will vary depending on whether the car must be replaced or if it can be repaired. Whilst the value of most cars will decrease over time (lowering the replacement cost) these claims occur much less frequently than accidental damage claims. Accidental damage claims require the car to be repaired and the cost of this usually increases each year in line with increases in the cost of parts, paint and labour. Therefore, completing the same repair to the same car will probably cost more in future years, even though the value of the car may reduce.

Safe Driver Star Rating is only applicable to Allianz Comprehensive Car Insurance and is a rewards program based on your insurance, driving and claims history.

Information on your insurance, driving and claims history is collected and used to provide you with a Safe Driver Star Rating. Under this program, every consecutive, claim free year held on your policy with us, contributes towards your Star Rating up to the maximum of six stars. The higher your Star Rating, the more benefits you could potentially be eligible for – including pricing, discounts and Star Rating Protection at no extra cost once you have reached a six Star Rating. Generally, the higher the star level the lower your premium (up to a maximum). Your Star Rating could be reduced by any claims made in a period of insurance.

For full details of conditions and exclusions please refer to the relevant PDS or PED guide.

When you have Star Rating Protection it means that your Safe Driver Star Rating and benefits will not reduce for the first at fault or non recoverable claim in a policy period.

Star Rating Protection is available as an optional benefit with Allianz Comprehensive Car Insurance only and can be purchased by those customers with a Safe Driver Star Rating of 4 stars or higher, provided all drivers of the vehicle are over the age of 25.

For full details of conditions and exclusions please refer to the relevant PDS.

Cover for damaged windscreens is provided by your Allianz Comprehensive Car insurance policy, subject to any excess listed in your policy schedule or in your PDS.

We also offer an option for the removal of basic excess on windscreen claims. For full details of conditions and exclusions please refer to the relevant PDS.

In addition to the basic excess, he/she will also be required to pay the relevant age excess for drivers listed in your policy schedule. All excesses are displayed on our car insurance policy schedule.
Compulsory Third Party (CTP) Insurance provides you with cover for people killed or injured in a motor vehicle accident for which you or the driver of your vehicle are at fault. CTP insurance is compulsory in all states of Australia and does not provide any cover for damage to property. Comprehensive Car Insurance however, does provide cover for damage to property. It provides cover for damage to your own vehicle, theft of your vehicle and damage you cause to other people's property and vehicles. This is different to Third Party Property Damage Insurance which only provides you with cover for loss or damage to someone else's property caused by a car accident which is your fault. Third Party Fire and Theft Insurance is the same as Third Party Property Damage Insurance, with added cover for your vehicle in the event it is stolen or damaged by fire.

Unless we state otherwise in the PDS, when you make a claim under the policy, you will need to pay an excess – which is a type of co-payment toward your claim.

Charging an excess also helps to keep the cost of premiums down by reducing the number of small claims. The amount and type of excess you have to pay will be shown in your policy schedule or in your PDS.

For full details of conditions and exclusions please refer to your policy schedule or the relevant PDS and PED guide.

Updating your insurance policy

It is important to list all drivers on your policy. If the driver is not listed on the policy and you need to make a claim, you may not be covered by the policy or you may need to pay an age excess or an unnamed driver excess where the named driver option is selected.

For full details of conditions and exclusions please refer to the relevant PDS.

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 a higher ‘Age excess’ for drivers not listed on your policy schedule in addition to the basic excess, on condition that Allianz chooses to accept the claim. If they were listed on the policy, you would pay a lower “Age excess” in addition to the Basic excess.
No. Learner drivers are automatically covered provided the instructing driver meets the policy criteria as set out in your schedule and PDS.
To have a non-standard accessory - such as a music player - covered under your car insurance policy, you need to let Allianz know the 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.
Unless they are listed on your car insurance policy, we are unable to provide any information nor can they 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.