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.

Find the right Car Insurance for you

Comprehensive Car Insurance

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

  • Damage to your car
  • Damage to other people’s cars and property
  • Fire, theft and weather damage
  • Choice of repairer1
Learn more

Comprehensive Essentials

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

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

Third Party Property Damage

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 car in an accident
  • Fire and theft damage
  • Weather damage
Learn more

Compare our Car Insurance options

Still not sure which option’s best for you?

Take a look at our comparison guide.

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.

Explore Car Insurance in your state

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.

Manage renewals

Renew now

Manage your policy

Log in to My Allianz

Contact us

Learn more

Compulsory Third Party (CTP)

Compulsory Third Party (CTP) insurance isn’t the same as Third Party Property Damage. It’s mandatory for all drivers in Australia and varies in each state. Cover is available with Allianz in NSW, QLD and SA.

  • Provides cover for injuries caused to your passengers
  • Covers injuries caused to other road users
  • No cover for your car or other people’s property

Want Roadside Assistance?

Allianz Roadside Assistance is available 24/7 across Australia. If your vehicle breaks down, we'll help get you moving again.4

Why choose Allianz Car Insurance?

Insuring Australians for 110+ years
Award-winning insurer
24/7 online claims

Related content

Comprehensive Car Insurance

Our Comprehensive Car Insurance covers accidental loss or damage – with choice of repairer and more. Get a quote online in minutes.

Read more

Car Insurance VIC

Compare Car Insurance options in Victoria. Learn more about cover for accidents, hailstorms and our 24/7 claims.

Read more

Car Insurance NSW

Compare Car Insurance options in NSW. Join over 100,000 NSW customers who trust us with their Car Insurance.

Read more

Ready to get started?

Frequently asked questions

Getting a quote

You can get a Car Insurance quote from Allianz online or by calling us on 13 10 00.

Online quote

  1. Click ‘Get your quote’ on the Allianz website.
  2. Enter your car details.
  3. Provide the main driver's information (this is the person who drives the car most).
  4. Choose your cover:
    • Comprehensive Car Insurance,
    • Comprehensive Essentials, or
    • Third Party Property Damage Insurance.
  5. If you select Comprehensive Car Insurance, you can adjust your excess to change your premium.
    • A higher excess can lower your premium cost.
    • You can also reduce the excess for drivers under 25.
  6. Review your quote.
    • You can buy car insurance online or email it to yourself and come back later.
  7. If you buy insurance, you can download your Certificate of Currency or get it emailed to you.

Each insurance company works out the cost of car insurance differently.

At Allianz, the cost of Car Insurance (your premium) depends on several things, including:

  • The type of cover you choose
  • The excess (a higher excess may lower your premium but you’ll pay more if you make a claim)
  • The main driver’s age, driving experience, and claims history
  • The car’s year, make, and model
  • The car’s location

You can get your quote online for our Comprehensive Car Insurance, Comprehensive Essentials and Third Party Property Damage Car Insurance.

Insuring your car

In Australia, Compulsory Third Party (CTP) insurance is the minimum cover required by law. This isn’t car insurance though. It pays for injuries you cause to other people in an accident. It doesn’t cover damage to cars or property.

Car insurance cover options typically include third party property damage, third party fire and theft or comprehensive car insurance.

Allianz offers two Comprehensive Car Insurance options (Comprehensive and Comprehensive Essentials) and Third Party Property Damage Car Insurance in all states. We also offer CTP Insurance in NSW, QLD, and SA.

Not sure which cover you need? Visit our car insurance comparison to find the right cover for you. We also offer Caravan and Trailer Insurance in Australia.

With Allianz Comprehensive policies, you have 2 ways to insure your car: agreed value or market value.

  • Allianz Comprehensive Car Insurance. You and Allianz agree on the amount your car is covered for within a given range. This is called agreed value. It’s up to you to decide how much cover you need. When you make a claim, the insurer pays you the agreed value amount as a lump sum, regardless of market fluctuations in your vehicle’s value.
  • Allianz Comprehensive Essentials. This option covers you for market value. The market value is the price your car would likely sell for just before it was stolen or damaged beyond repair. It takes into account factors such as age, condition, and mileage.

Allianz Comprehensive Car Insurance is personal car insurance that can cover your vehicle for private use, with occasional and limited business use. Commercial Vehicle Insurance is specifically designed to provide cover for vehicles used purely for business purposes.

For more information, see our article Personal vs commercial vehicle insurance for businesses.

With Allianz Car Insurance, you can pay annually or monthly at no extra cost.

If you pay your policy monthly and you have an accident that results in a total loss and make a claim, you'll need to pay the rest of your remaining premium. Otherwise, we can take it out of your payout.

Coverage features

Excess is the amount you’ll need to pay towards the cost of a claim. Your policy documentation will show two excess amounts: Basic excess and Under 25 Driver excess.

Basic excess is the amount that applies to each claim that you make. The Under 25 Driver excess is an extra amount added to your Basic excess if the driver is under 25.

You can lower the Under 25 Driver excess by adding the youngest driver to your policy. But keep in mind, this may raise your premium.

If you or your driver are in an accident and it’s not your fault, and you give us the other driver’s details, you might not have to pay any excess.

For more information, read our car insurance excess guide.

Yes, Allianz Comprehensive Car Insurance can cover electric vehicles (EVs), hybrids and plug-in-hybrids. We can cover your vehicle's battery, charging cables, and wall mounts for loss or damage. We also offer access to certified EV repairers or you can choose your own.

If you have Allianz Comprehensive, Comprehensive Essentials or Third Party Property Damage Car Insurance, we'll cover anyone you give permission to drive your car, subject to any limits shown in your policy documentation.

This includes learners and P-plater drivers who can drive your car with your permission. Learner drivers must be with an instructing driver who has a full, unrestricted Australian driver’s licence and meets your state’s rules. A higher age excess may apply for any drivers under 25.

No, new Allianz policies don’t cover your car if you use it to carry passengers for Uber or other rideshare services. It also doesn’t cover you if you deliver food or other goods for pay.

Does Allianz own RAA Insurance?

Yes, on 1st July 2025 Allianz Australia Insurance Limited acquired RAA Insurance Limited and renamed it Allianz South Australia Insurance Ltd (Allianz SA). Allianz SA will underwrite RAA home and motor insurance policies with the RAA brand.

We're here to help

Explore our Help page for questions about your policy, claims, payments, and more. If you need to reach us, we're ready to connect.

Visit Help and contact

Follow us on

*Conditions apply

  1. 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.

  2. 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.

  3. 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.

  4. 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.

^ Most popular’ is based on the number of policies sold in 2025 when comparing Comprehensive Car Insurance and Third Party Property Damage Insurance. Our Comprehensive Essentials product launched in February 2026 and its sales data is not yet available for comparison.

Allianz Australia Insurance Limited acquired RAA Insurance Limited (as of 1 July 2025) and since that date it has been renamed Allianz South Australia Insurance Ltd (Allianz SA). Allianz SA now underwrites RAA home and motor insurance policies with the RAA insurance brand.

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.