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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.

Why Victoria’s drivers choose Allianz Comprehensive Car Insurance

Hailstorm coverage

Hailstorms are common in Victoria. Our Comprehensive policy covers you Australia-wide.

Flexible payments

Take out a new policy and have the flexibility to pay either annually or monthly.1

Choose your own repairer

Choose your own or pick from over 50 selected repairers in Victoria.2

Your EV is covered

Our Comprehensive Car Insurance can cover your EV in Victoria and Australia-wide.

Why Victorians trust Allianz

"Service was prompt, staff were very helpful, [claim] was settled quickly"

- Julie, Strathmore Heights, VIC, February 20, 2025

"Could not fault Allianz. My accident wasn’t my fault and the claim process was made easy from the start to the finish when I got my car back"

- Sandy, Cranbourne East, VIC, January 28, 2025

Find the cover that's right for you

Whether you’re cruising down the Great Ocean Road or unwinding in Daylesford, you can choose between our Comprehensive and Third Party Property Damage Insurance to suit your needs.

Comprehensive Car Insurance

Covers your car, damage to other people’s cars or property – and includes benefits such as choice of repairer.1

Learn more

Comprehensive Essentials

Our entry-level Comprehensive policy covers your car, and damage to other cars and property.

Learn more

Third Party Property Damage

Covers the cost of accidentally damaging someone else’s car or property. Damage to your own car isn’t covered.

Learn more

VIC CTP Insurance

Allianz doesn’t offer CTP Insurance in Victoria. The Transport Accident Charge (Compulsory Third Party) is automatically included in your registration fee.

What features might VIC drivers want in their car insurance?

We aim to put you at the centre of everything we do. From Melbourne’s urban congestion to rural roads, heavy rain, fog, and even snow in alpine regions, driving in Victoria can be tricky. Here’s some benefits available under our Comprehensive Car Insurance.
  • Loss or damage to your car including weather damage
  • Cover for accidental damage, fire, flood, theft and storm including hail damage.
  • Choice of repairer
  • You can choose your own repairer or select from over 50 repairers in Victoria.2
  • Agreed value
  • When you take out a Comprehensive Car Insurance policy, we’ll agree on an amount with you that we’ll cover your car for. You may want to include other costs, such as accessories, modifications, or on-road costs.
  • New car replacement after total loss
  • With Comprehensive Car Insurance, if your new car is stolen or written off within the first 2 years of registration, 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.
  • Rental car after a collision
  • Receive a rental car after a collision that wasn’t your fault and the other driver’s details are provided. If we can’t arrange one, get a $80 a day travel allowance.4

Compare Car Insurance policies

The table provides a brief comparison and overview of Allianz Car Insurance policies. Make sure you read the Product Disclosure Statement (PDS) for more information.

This is a summary only of some of the features available in our Comprehensive Car Insurance, Comprehensive Essentials and Third Party Property Damage Car Insurance policies. Before deciding on this insurance, carefully consider the PDS which sets out the terms, conditions, limits and exclusions.

Roadside Assistance 24/7 Australia wide

Our roadside assistance is available across rural Victoria and throughout Australia10. If your car breaks down, we'll help get you moving again.

Common Car Insurance claims in Victoria

These common claims are all covered by Allianz Comprehensive Car Insurance.
1st most common claim

Collision with vehicle

16%

2nd most common claim

Windscreen damage

15%

With the option to remove excess for windscreen damage only claims.
3rd most common claim

Hit in rear

13%

4th most common claim

Hit object (wall, fence, post etc)

9%

5th most common claim

Damage while parked

8%

Last year, we assisted over 30,000 customers in Victoria with their claims.

"According to our data, the most common claims were for windscreen damage, collisions with other vehicles, and rear-end accidents – all covered by Allianz Comprehensive Car Insurance."

- Con Souliotis, Motor Insurance Product Manager

Moving to Victoria?

If you're moving to Victoria, you’ll need to sort:

  • Car registration
  • Transfer your driver’s license and car registration within six months of moving to Victoria. Check if your car requires a roadworthy certificate for the registration transfer.
  • Transport Accident Charge
  • In Victoria, Compulsory Third Party (CTP) insurance is automatically included in your registration fee. It’s called the Transport Accident Charge (TAC).
  • Car Insurance
  • Review your car insurance to ensure it’s valid in Victoria. If you have a policy with Allianz, simply let us know you’ve moved.

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

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Manage your policy

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Frequently asked questions

Car insurance, such as third party property damage and comprehensive car insurance, isn’t mandatory.

However, the Transport Accident Charge (or Compulsory Third Party insurance) is mandatory in Victoria. It’s technically not car insurance though. Unlike in some states, such as NSW, it’s included as part of the car registration process.

Hail damage is sometimes covered under comprehensive car insurance policies in Victoria, but it’s important to check your specific policy details. Allianz Comprehensive Car Insurance covers hail damage.

Flood damage is typically covered with comprehensive car insurance policies in Victoria, but it’s important to check your specific policy details. Allianz Comprehensive Car Insurance and Comprehensive Essentials covers flood damage.

You can potentially lower your car insurance premium by:

  1. Selecting the right level of cover for you. If you own an older vehicle, then Third Party Car Insurance may be enough for you. It only covers the cost of accidentally damaging someone else’s car or property. However, if you want cover for your own car or you couldn’t afford to replace it if it was written off, Comprehensive Car Insurance or Comprehensive Essentials may be a better option.
  2. Increasing your excess. By increasing your excess, within a given range, you can lower your premium. Keep in mind that you need to pay the excess you’ve selected if you make a claim. You can only do this for Comprehensive Car Insurance.
  3. Reducing the amount you drive. We ask you how many kilometres you estimate you’ll drive in a year. The cost of car insurance is typically lower the less you drive. If you live in a major city like Melbourne and don’t use your car much, this can be an easy way to lower costs.

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.

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^ This is the total number of Allianz Car Insurance policies sold in VIC as at October 2025, including policies purchased through our distribution partners, where Allianz is the product issuer.

*Conditions apply

  1. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Financial institution transaction fees may apply.
  2. 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.

  3. 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. See the PDS for more details.

  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. Cover for personal belongings if damaged or stolen after a covered incident, except if car is left unlocked when belongings are stolen or damaged and the car isn’t damaged or stolen. Excludes cash, credit cards, cheques, firearms, tools or other items related to a business.
  6. From the day you sell your car, or give it away and replace it with another one, we’ll provide temporary cover for your replacement car under your existing car insurance policy for up to 14 days.
  7. Removal of excess for one full windscreen, window glass or sun roof replacement and two repairs in each period of insurance.
  8. If you choose this option, we will arrange a rental car of a similar size and type to your 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. This will apply after any covered incident, no matter who is at fault. 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.
  9. 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.