The information on this page is for customers who purchased a new policy on or after 9 September 2021.
For customers who purchased a new policy before this date, view the relevant Product Disclosure Statement (PDS)
QLD Car Insurance
Find out why Queenslanders choose us as their Car Insurance Provider
The information on this page is for customers who purchased a new policy on or after 9 September 2021.
For customers who purchased a new policy before this date, view the relevant Product Disclosure Statement (PDS)
QLD car insurance explained
We offer several types of covers to choose from. Our Comprehensive Car Insurance covers common Queensland weather events such as hail, storm and cyclones as well as theft and accidental damage to your car.
We also offer CTP Insurance which is mandatory and is required before you can register your vehicle in Queensland. CTP insurance generally covers your liability – and the liability of anyone who drives your vehicle – for injuries and death caused to other parties in a motor vehicle accident, 24 hours a day, anywhere in Australia.
CTP insurance doesn’t cover damage to your vehicle, other vehicles or property. Our Third-Party Property Damage covers any accidental damage you may make to someone else’s vehicle or property but does not cover you for damage to your own car.
Find out more details about the types of cover available, get a quote online or speak with one of our dedicated insurance specialists today.
Comprehensive Car Insurance
Our Comprehensive Car Insurance covers your car, plus damage you cause to other people’s cars or property.
Third Party Property Damage Insurance
This helps cover the cost of accidentally damaging someone else’s car or property. Damage to your own car is not covered.
QLD CTP Insurance
Compulsory Third Party (CTP) insurance is a mandatory policy that generally covers anyone who drives your vehicle (including yourself) for injuries caused to others in an at-fault motor accident.
Our comprehensive car insurance customers rated their claim experience 4.4 out of 5 over the last year. See more about what our customers had to say.
Brenda rated her Comprehensive Car Insurance claims experience 5 out of 5 stars.
“They were courteous, caring and professional” – Brenda, QLD.
Common car insurance claims lodged in Queensland
We have worked through our claims data to highlight common claims that have happened over the 2022 year in Queensland.
With its scenic driving routes and extended motorways between key cities and towns, we can see that 1 in 3 claims* has been regarding a windscreen. These claims would be a result of a broken or cracked windscreen whilst driving.
1 in 7 claims* have been for being hit in the rear, whilst 1 in 10 claims* has been whilst reversing. Ensure that you are aware of your surroundings and check your mirrors are setup correctly before every trip.
1 in 20* claims have been as a result of bad weather (hail damage) or a result of an animal being struck by the vehicle. So, make sure that you are driving in the right conditions and if you are driving country roads, avoid doing so at dusk when animals are more likely to be in the road.
* Total claims of the top 10 types
Frequently asked questions
Understanding car insurance
In Queensland, CTP Insurance is mandatory and you will need to purchase before you can register your car. You can also choose to cover your car for accidental loss and damage as well as damage you may cause to other people’s property with our Comprehensive Car Insurance. If you are looking for cover only for damage you may cause to other people’s property consider our Third Party Property Damage Insurance.
Treating injuries caused by a car accident can be expensive. While both medical treatment and care can be costly, there could also be other unexpected expenses. If someone is injured, they may not be able to work and might have to be compensated for lost income. They might also be entitled to extra compensation for pain and suffering.
Not everyone will be able to pay these costs, so Compulsory Third Party Insurance (CTP) is required to be purchased by all vehicle owners to make sure that people who have been hurt by someone else in a motor vehicle accident can still get financial support during their recovery if they need it.
Our Comprehensive Car Insurance covers your vehicle for accidental loss or damage, including road accidents, theft, vandalism, hail, bushfire, cyclone or flood. It also provides you with cover for damage you cause to other people’s cars or property. Visit Comprehensive Car Insurance to learn more or get a quote.
Each insurance company calculates the cost of car insurance differently.
The cost of Allianz Comprehensive and Third Party Property Damage Car Insurance is determined by a range of factors. When calculating your car insurance premium, we consider factors such as:
- The type of cover you hold
- The age, driving experience and claims history of the person who drives the car most
- The year, make and model of your car
- The location your car is parked
You can get a quote online for our Comprehensive Car Insurance and Third Party Property Damage Car Insurance.
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*Conditions apply
- Driver exclusions apply if the driver is unlicensed, is not following the conditions of their license, refuses a drug or alcohol test, is under the influence of drugs or exceeds the legally allowed alcohol limit. Refer to the Comprehensive Car Insurance or Third Party Property Damage Car Insurance PDS for full driver, usage and other policy exclusions as set out in the "What's not covered" section. An additional excess applies to drivers under 25.
- 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 $50 a day for as long as we would have given you a rental car. See the PDS for more details.
- 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.
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.