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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 WA drivers choose Allianz Comprehensive Car Insurance

Choice of repairer

Got a repairer you trust? Choose them, or use one of our WA repairers.1

Towing cover

No matter where you are, we care about getting you to safety fast.

Pay monthly at no extra cost

Prefer monthly payments? We make it simple, and we don’t charge extra.2

Trusted by Western Australians

We’re proud to be recognised among the Finder Customer Satisfaction Award finalists as a Loved and Trusted Brand in WA.

Finder Car Insurance Customer Satisfaction Awards 2025 Finalists - Western Australia 'Most Loved Car Insurance' and Western Australia 'Most Trusted Car Insurance'

What some of our WA Car Insurance customers told us

"Very impressed. One phone call and everything was arranged. From having my car assessed, booked in for repairs and arranging a hire car. Everything ran smoothly and the repairs were done to a very high standard."

- Macca, Midland, WA, August, 2025

"Great service, I will continue to insure with Allianz as everything was organised and timely."

- Helen, Ellenbrook, WA, December, 2025

Allianz Car Insurance options

Whether you’re commuting home from work in Perth or heading out to Margaret River, we know one size doesn’t fit all. That’s why we offer these Car Insurance options.

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

WA CTP Insurance

Allianz doesn’t offer CTP Insurance in WA. Motor Injury Insurance (MII), which includes Compulsory Third Party (CTP) insurance, is mandatory in WA and is included in your car registration.

What Car Insurance features might WA drivers want?

From bushfire and cyclone damage to cover for your 4WD, our Comprehensive Car Insurance is designed with you in mind.

Here’s some benefits available under our Comprehensive Car Insurance.

  • Loss or damage to your car including weather damage
  • Cover for accidental damage, fire, bushfires, cyclones, earthquakes, storms, floods and hail.
  • 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.
  • Choice of repairer
  • With Comprehensive Car Insurance, you can choose your own repairer or use one of our Selected repairers in Western Australia.1
  • Towing and storage
  • We’ll pay to tow your car from anywhere in Australia - wherever the covered incident occurs. After a covered incident, we can pay to move your car. We can take it to the nearest repair shop, a safe place, or another location we agree on, such as a holding facility. We’ll pay reasonable towing and storage costs.
  • 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.3

Comprehensive Car Insurance in Perth

Perth drivers face a mix of city traffic, long drives and fast‑changing weather. Whether you’re heading into the CBD, driving along the coast, or commuting from suburbs like Joondalup, Fremantle or Rockingham, we’re proud to be trusted by many drivers across the city.

Why do Perth drivers choose Allianz? We cover what’s important to you.

Cover for Perth weather

Our Comprehensive Car Insurance and Comprehensive Essentials Car Insurance policies cover damage from storms, hail and cyclones.

Choice of repairer in Perth

Got a repairer nearby you know and trust? Feel free to use them or choose one of our conveniently located selected repairers across the Perth metro area with Comprehensive Car Insurance.1

Towing across Perth and WA

After a covered incident, we’ll pay to tow your car to the nearest repairer, a safe place or another place we agree to.

Cover for wildlife collisions

Hitting animals is more common in WA than in many other states. Our Comprehensive Car and Comprehensive Essentials Car Insurance policies can cover the damage.

Things to consider when driving in Perth
  • Peak hour traffic can increase the risk of minor crashes. Keep in mind you typically need to pay an excess when you make a claim.
  • Many Perth drivers take long trips to regional WA, consider adding our no excess windscreen cover with Comprehensive Car Insurance. With this, you won’t pay an excess if your windscreen, window glass or sunroof is the only part of your car that needs repair or replacement. Cover includes one replacement and two repairs each insurance period.
  • Summer storms can bring sudden hail and damage your car – which both Comprehensive Car and Comprehensive Essentials Car Insurance policies cover.
  • FIFO workers may want to check their policy details if they leave their car at the airport for long periods.

Compare Car Insurance policies

The table provides a brief 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.

Want Roadside Assistance?

Our roadside assistance is available 24/7 across rural WA, Perth and the rest of Australia. If your vehicle breaks down, we'll help get you moving again.12

Common Car Insurance claims in WA

In 2025, we helped over 10,000 customers in Western Australia with their claims.

Windscreen damage - 25%

Hit in rear - 12%

Collision with vehicle - 11%

Hit object (wall, fence, post etc) - 9%

Reversing - 9%

"According to our data, collisions with animals account for around 4% of claims in WA – making it more common than in some states. Both Allianz Comprehensive Car Insurance and Comprehensive Essentials policies can cover damage to your vehicle if you hit an animal."

- Con Souliotis, Motor Insurance Product Manager

Moving to Western Australia?

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

  • Car registration
  • Transfer your car registration within three months of moving to WA. Make sure your car passes the roadworthy inspection if required for the registration transfer.
  • Motor Injury Insurance
  • In WA, Motor Injury Insurance (CTP insurance) is included with your car registration. This covers you for the cost of injury that you or your vehicles may cause in a crash.
  • Car Insurance
  • Review your car insurance to make sure it's valid in WA. If you have a policy with Allianz, just let us know you’ve moved and we’ll update your details.

Already an Allianz Car Insurance customer?

If you’re an existing Allianz Car Insurance customer, your cover might be different. To review your PDS, head to our policy documents.

Manage renewals

Renew now

Manage your policy

Log in to My Allianz

Contact us

Learn more

Ready to get started?

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What is car insurance excess?

Ever wondered how excess affects your car insurance claims? We tackle the ins and outs of excess to help you better understand your policy.

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Car Insurance for EVs

Find out how Allianz can cover your EV.

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Frequently asked questions

Motor Injury Insurance (MII) is mandatory in Western Australia (WA), which includes Compulsory Third Party (CTP) insurance. CTP is technically not car insurance though. It’s paid as part of your car registration.

Comprehensive Car Insurance, Comprehensive Essentials Car Insurance and Third Party Property Damage Car Insurance aren’t compulsory in WA.

Comprehensive Car Insurance or Comprehensive Essentials Car Insurance may be suitable for you if you want cover for your car and damage caused to other people’s vehicles or property. Third Party Property Damage Car Insurance only provides cover for damage you cause to other people’s cars or property. It doesn’t cover damage caused to your car.

We can cover your car for accidental loss or damage, including for theft, fire damage, and in some cases, off-road driving.

You're typically covered for recreational four-wheel driving if the car was built for this purpose. If you don’t use the car in accordance with the manufacturer's recommended guidelines or take reasonable precautions to prevent any loss or damage, you may not be covered. Please refer to the PDS for more details.

If you hit an animal while driving, Allianz Comprehensive Car Insurance and Comprehensive Essentials can cover the damage to your car, including repairs and towing. You'll have to pay an excess when you make a claim.

Yes, with Allianz Comprehensive Car Insurance and Comprehensive Essentials, we’ll pay the reasonable costs to tow your car. We can take it to the nearest repairer or place of safety from anywhere in Australia – wherever the covered incident occurs.

After a covered incident, we’ll pay to move your car to the nearest repairer, place of safety or another place we agree to, such as a holding facility. We’ll also pay any reasonable storage costs at the agreed location.

We don’t offer temporary car insurance cover. However, if you sell your car or give it away and buy a new car, we’ll cover it under your existing car insurance policy for up to 14 days. For more information read the PDS.

Yes, Allianz Comprehensive Car Insurance and Comprehensive Essentials cover you for damage caused by floods and cyclones. It also covers damage due to earthquakes, bushfires, storms and hail.

Premiums can vary by suburb and risk factors like traffic, theft rates, weather and the car you drive.

Yes, Allianz Comprehensive Car Insurance and Comprehensive Essentials Car Insurance covers hail, storms and other severe weather, which is important for Perth’s fast changing conditions.

Yes. If you have a repairer you trust in Perth, you can choose them with our Comprehensive Car Insurance policy.

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

  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. We’ll pay up to $500 per incident for extra accommodation costs if you’re more than 100 km from home and your car isn’t drivable after a covered incident.
  6. We’ll pay up to $1,000 per incident to replace your personal belongings if they’re lost, stolen, or damaged because of a covered incident unless the car itself isn’t damaged or stolen, or is left unlocked. Excludes cash, credit cards, cheques, firearms, tools, or other items related to a business.
  7. We’ll pay to replace any damaged or stolen child seat or baby capsule in your car at the time of a covered incident (up to $650 per seat, per incident) unless the car itself isn't damaged or stolen.
  8. We guarantee materials and workmanship on repairs we authorise, for as long as you own or lease your car.
  9. 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.
  10. Removal of excess for one full windscreen, window glass or sun roof replacement and two repairs in each period of insurance.
  11. 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.
  12. 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.