Some of the most popular Polestar models driven in Australia that Allianz can provide quotes for include:
Popular Polestar models
Polestar 4
Polestar 2 Long Range (LR)
Polestar 2 Standard Range (SR)
Allianz can provide cover for these Polestar models under Comprehensive Car Insurance, Comprehensive Essentials or Third Party Property Damage policies, subject to eligibility and underwriting criteria being met.
For more information about electric vehicle cover, visit our EV insurance hub.
Factors that can affect the cost of insuring a Polestar
In Australia, car insurance premiums are based on risk. These same principles apply to electric vehicles like Polestar cars, with some EV-specific factors also considered. The cost of car insurance is determined by a range of factors, including:
Vehicle value, age, and type
- More expensive Polestar vehicles may cost more to insure due to replacement and repair costs
- Newer models are typically insured for higher values than older vehicles
Safety ratings and technology
- Independent safety ratings may influence how risk is assessed
- Standard safety and driver-assistance features can be taken into account
Theft and location
- Vehicle theft statistics and the area the car is usually kept in overnight
- Postcodes with higher claim rates can affect premiums
Repair costs and parts availability
- Electric vehicles often require specialised repair equipment and trained technicians
- Repair timeframes and parts supply can influence claim costs
Driver‑related details
Premiums can also be influenced by:
- The driver’s age and driving experience
- Previous claims
- How often the car is driven and the distance travelled
Keep in mind, premiums vary between insurers and by individual circumstances.
Polestar safety ratings
Vehicle safety ratings in Australia are independently assessed by the Australasian New Car Assessment Program (ANCAP).
Safety ratings for Polestar models
- Polestar 2 (all variants, including Long Range and Standard Range) has received a 5-star ANCAP safety rating, based on testing that applies to all variants sold in Australia.
- Polestar 4 has also achieved a 5-star ANCAP safety rating, following testing under the current ANCAP safety protocols.
ANCAP assessments consider:
- Adult occupant protection
- Child occupant protection
- Vulnerable road user protection
- Safety assist features
Safety ratings can change as vehicles are updated. For the most current, verified ratings, visit ANCAP.
Facts about Polestar vehicles
Polestar is a Swedish electric vehicle brand with roots in performance engineering and Scandinavian design. It operates as a standalone car manufacturer, backed by Volvo Cars and Geely.
Vehicle types
Polestar offers fully electric passenger vehicles in Australia, including fastback sedans and SUVs designed with a focus on performance, safety and minimalist design.
Electric technology
All Polestar vehicles are battery-electric, using advanced electric drivetrains rather than petrol or diesel engines.
Market presence
Polestar operates in Australia through a combination of online sales and physical Polestar Spaces, with service support and access to public charging networks.
Global reach
Polestar sells vehicles across key international markets, including Australia, Europe, China and North America, with ongoing expansion of its electric vehicle range.
EV cover benefits with Allianz Comprehensive Car Insurance
You’ve made the choice to drive cleaner. We’re here to back that choice with cover that cares for your Polestar. Our Comprehensive Car Insurance is designed with electric drivers in mind, and includes:
Fire, including battery fires
Cover for fire damage, including EV battery fires such as thermal runaway.1
Loss or damage to your EV battery
We’ll cover accidental loss or damage to your EV battery.
Charging accessories
Loss or damage to charging accessories owned by you including wall chargers, charging cables and wall mounts.
New EV replacement
Get a new EV if yours is written off within two years of manufacture.3
Agreed value cover
You’re covered for an amount that we agree to insure your car for, regardless of your car’s depreciation during the policy term.
Find the right Car Insurance for your Polestar
Here are the Car Insurance options we offer.
Popular with people who want to cover damage to their own car, including newer and second-hand cars.
Designed for people who want cover for essentials, like damage to your car, without the extras.
Popular with second-hand car owners who only want cover for damage caused to other people’s cars.
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
Ready to get started?
Frequently asked questions
The same insurance principles apply. Allianz Comprehensive Car Insurance policies can provide cover for your Polestar, including EV-specific risks like battery fires and thermal runaway,1 subject to eligibility and underwriting criteria being met.
Allianz Comprehensive Car Insurance policies can provide cover for Polestars, subject to eligibility and underwriting criteria being met. You can get a quote for your Polestar with Allianz. We’ll use your details to confirm whether we can insure you and show the cover options and price available.
Yes, both Allianz Comprehensive policies cover damage to your Polestar, as well as damage to other cars and property. Refer to the PDS for full details.
Yes, both Allianz Comprehensive Car Insurance policies provide cover for your battery, including thermal runaway,1 and charging accessories you own.5
With Comprehensive Car Insurance, you can choose your own repairer.2 With Comprehensive Essentials, repairs are carried out by an Allianz-allocated repairer. Third Party doesn’t cover damage to your car.
Comprehensive Essentials may suit you if you want core cover at a lower cost without extra features like choice of repairer2 or agreed value cover. Get a quote to compare options.
Follow us on
*Conditions apply
- 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.
- 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.
- 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.
- 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.
- EV charging accessories, including charging cables, wall chargers, and mounts, must be owned by the insured.
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.
This article has been prepared by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL234708 ("Allianz"). In some cases, information has been provided to us by third parties and while that information is believed to be accurate and reliable, its accuracy is not guaranteed in any way.
Any opinions expressed constitute our views at the time of issue and are subject to change. Neither Allianz, nor its employees or directors give any warranty of accuracy or accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in this article.