Comprehensive Motor Vehicle Insurance provides coverage for accidental loss or damage to your vehicle, caused by incidents such as collisions, theft, fire, vandalism, and weather events.
Motor Vehicle Insurance
Take the driver's seat with Comprehensive Motor Vehicle Insurance
What is Comprehensive Motor Vehicle Insurance?
Levels of cover that may be available to you
Allianz offers two levels of cover – Allianz Motor Insurance and Allianz Premier Motor Insurance. Both levels provide comprehensive cover for vehicles, and availability is based on your vehicle and the authorised Allianz dealership.
Allianz Motor Insurance
Allianz Premier Motor Insurance
The levels of cover available to you depend on your vehicle and the authorised Allianz dealership where you purchased it.
What am I covered for?
Regardless of the level of cover, Allianz Motor Insurance and Allianz Premier Motor Insurance both come with many benefits. These include:
Support
Lodge a claim online or over the phone 24/7 with our dedicated claims support team.
Option to pay monthly
The option to pay by the month at no extra cost2
Guaranteed materials and workmanship
A commitment that we’ll guarantee materials and workmanship on authorised repairs for as long as you own or lease your vehicle
Features and benefits
This is a summary only of some of the features available in our Comprehensive Car Insurance policies. Before deciding on this insurance, carefully consider the Product Disclosure Statement (PDS) which sets out the terms, conditions, limits and exclusions.
The levels of cover available to you depend on your vehicle and the authorised Allianz dealership where you purchased it.
Allianz Motor Insurance
Allianz Premier Motor Insurance
Eligibility
Both pre-owned and near-new cars
New and near-new cars only
What you're covered for
New for old replacement¹
Up to two years of age
Up to three years of age
Choice of repairer⁵
Parts we use to repair your vehicle
New, recycled or reconditioned³
Genuine manufacturer’s parts⁴
Child seat or baby capsule cover
Up to $500 per incident
Up to $500 per incident
Emergency repairs
Up to $500 per incident
Up to $500 per incident
Emergency accommodation and travelling expenses
If incurred more than 100 km from home up to $1,000 combined
If incurred more than 100 km from home up to $1,000 combined
Lock re-keying/re-coding for stolen car keys
Up to $1,000 when reported to police
Up to $1,000 when reported to police
Personal Items in car stolen or damaged in covered accident
Up to $1,000 any one incident
Up to $1,000 any one incident
Staying mobile following theft of vehicle
Rental car up to 30 days max, up to $100 per day
Rental car up to 30 day max, up to $100 per day
Towing
Reasonable costs
Reasonable costs
Trailer or caravan cover
$1,000 or the market value whichever is the lesser
$1,000 or the market value whichever is the lesser
Transportation costs
Up to $500 per incident
Up to $500 per incident
Accidental death benefit
Up to $25,000 per period of insurance
Legal liability up to $20,000,000
Legal costs - all
Substitute vehicle (liability)
Employer’s or principal’s liability
Optional benefits
Removal of basic excess for tyre claims (2 replacement or repair claims in any period of insurance)
Optional
Removal of basic excess for windscreen claims (1 replacement claim and 2 repairs in any period of insurance)
Optional
Optional
Staying mobile following an accident (Rental car up to 30 days max, up to $100 per day)
Optional
Optional
Tools of trade (when stolen forcibly or damaged in a collision up to $3,000 per incident)
Optional
Optional
Optional excesses
Unnamed driver excess option (Reduce your premium by naming the drivers on your policy). A $2,500 excess applies to all unnamed drivers.
Optional
Optional
How does it work with your other insurance (CTP)?
Comprehensive Car insurance covers loss or damage to your car and other people’s cars or property. Third Party Property Damage insurance covers damage your car causes to someone else’s car or property.
Compulsory Third Party (CTP) is insurance required by law in Australia. It only covers injuries to people, not cars or property and it’s linked to your vehicle, not you as a driver.
CTP insurance varies between states. In NSW, QLD and SA Allianz can help you with the Compulsory Third Party (CTP) Insurance you will need to register your car. Find out more on the CTP Insurance page.
Make a claim at any time
Start your claim online or call 1300 139 664. We have a team available 24 hours, 7 days a week to assist you.
Policy documents
We don’t give financial advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.
Before making a decision, refer to the relevant Product Disclosure Statement (PDS):
Target Market Determinations
A Target Market Determination (TMD) describes the class of customers an insurance cover has been designed for, including the key attributes of the insurance cover and the customers who are eligible for it.
A TMD doesn’t replace the terms and conditions, nor the disclosures made, in a PDS. You should continue to refer to the PDS before deciding to buy insurance cover. Refer to the list of Allianz Automotive Insurance Product TMDs.
A TMD doesn’t replace the terms and conditions, nor the disclosures made, in a PDS. You should continue to refer to the PDS before deciding to buy insurance cover. Refer to the list of Allianz Automotive Insurance Product TMDs.
Get a quote
To take out Allianz Motor Insurance or Allianz Premier Motor Insurance, speak with the Business Manager at your authorised Allianz dealership today.
*Conditions apply
- If your vehicle is a total loss, you purchased it new or as a demo and it’s less than 3 years old (for Allianz Premier Motor Insurance) or two years (for Allianz Motor Insurance) from its first registration and subject to financier approval (if applicable), we will replace it with a new vehicle of the same make, model, engine size, features and paint type including any modifications, options and accessories, so long as it is available in Australia.
- Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
- If we are unable to repair the part, we use new, recycled or reconditioned parts that meet the requirements of Australian Design Rules (ADR). If such parts are not available or appropriate, parts from alternative distribution channels may be used.
- If we accept a claim but are unable to fix a damaged part, where available in Australia at time of repair, we will use a new genuine manufacturer part. If new genuine is not available, we will use genuine reconditioned or recycled manufacturer parts or Australian Design Rules certified new, recycled or reconditioned parts.
- Allianz may authorise repairs at your repairer of choice; pay you the reasonable costs of repairing your vehicle; or move your vehicle to another repairer we both agree upon. Allianz will act reasonably in doing so. In the latter instance, you will be provided with a rental car for up to 3 days up to a maximum of $100 per day.
Premier Motor Insurance, Motor Insurance and Compulsory Third Party (CTP) Insurance are provided by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFS Licence No. 234708.
Any advice here does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS), Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice). These, together with the relevant Target Market Determination, are available on this website.