Comprehensive Car Insurance

Comprehensive Car Insurance

Why Choose Allianz Car Insurance?

Option to pay monthly

Choice of excess

Your EV is covered

What does Comprehensive Car Insurance cover?

Any driver coverage We'll cover anyone you give permission to drive your car. Driver and usage exclusions apply.1 Agreed value When you take out your 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. Loss or damage to your car (including theft) Cover for accidental damage, fire, flood, theft and storm (including hail damage). New car replacement after total loss within two years of manufacture 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. Transport costs We'll reimburse you for the costs of travelling from the scene of the accident or to or from the repairer or rental car provider (up to $500). Rental car after a collision that wasn't your fault and the other driver is identified 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 $50 a day travel allowance.4 Choice of repairer We'll help find you one, or you can choose your own.5 Baby capsules and child seats 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 $500 per seat) unless the car itself isn't damaged or stolen. ¹ 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.

¹ 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.

⁴ 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.

⁵ 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.

       Choose more benefits (extra cost) No excess for windscreen damage only claims With this option, you won't have to pay the excess for one full windscreen, window glass or sun roof replacement and two repairs in each period of insurance. Rental car after any covered incident With this option, you’ll receive a rental car after covered incidents such as weather events or a collision that is your fault. If we can’t arrange one, receive a $50 a day travel allowance.6 ⁶ 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 $50 a day for as long as we would have given you a rental car. See the PDS for more details.

⁶ 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 $50 a day for as long as we would have given you a rental car. See the PDS for more details.

⁶ 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 $50 a day for as long as we would have given you a rental car. See the PDS for more details.

We've got your EV covered

Here’s some of our policy benefits designed to cover your EV:

Get a head start on your EV journey

Are you an existing customer?

Make a claim at any time

Frequently asked questions

Insuring your car

Each insurance company calculates the cost of car insurance differently.

The cost of your car insurance is determined by a range of factors. When calculating your car insurance premium, we consider factors such as:

To find out how much you would pay for our Comprehensive Car Insurance, get a quote.

Comprehensive car insurance is not mandatory in Australia but there are benefits to having it. If you choose not to take out comprehensive car insurance and you or the driver of your car is at fault in an accident, you will be responsible for the cost of any damage to your own car as well as for the damages caused to any third party property.

Did you purchase your car with a loan? Some financial institutions might require you to have comprehensive car insurance if you took out a loan to purchase your car.

When you take out Allianz Comprehensive Car Insurance, we’ll agree on an amount with you that we’ll cover your car for. We call this the 'agreed value'.

It's up to you to decide how much cover you need (within a given range). As a guide, it should be enough to replace your car if a covered incident happened and your car couldn’t be repaired.

You will also need to factor in:

You can always find the agreed value in your policy documentation.

Understanding comprehensive cover

Our Comprehensive Car Insurance provides cover for accidental loss or damage to your car, as well as your legal liability for the damage you cause to other people’s cars or property. Some examples of loss or damage to your car covered by this insurance includes:

View the PDS for more information, or visit car insurance to learn more about the different types of car insurance we offer.

Cover for damaged windscreens is provided by your Allianz Comprehensive Car insurance policy, subject to payment of any applicable excess shown in your policy documentation.

We also offer an optional benefit which can remove excess on windscreen damage only claims in respect of one claim for full replacement and two claims for repairs in each period of insurance. For full details of conditions and exclusions refer to the relevant PDS .

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*Conditions apply

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.