We’re sorry you’re thinking about leaving us. You can cancel your Allianz Car, Home or Landlord, Business, Life, Boat or Caravan and Trailer Insurance in just two steps.
Two steps to cancel your insurance
1. Have your policy details ready
It’s a good idea to review your policy before you contact us. You might like to consider a policy health check where one of our consultants reviews your policy with you.
2. Contact us
Contact us by phone or online. Our consultant will verify your identity, ask why you’re cancelling, and check if you’re eligible for a refund.
We’ll send you a cancellation notice by email or post, depending on the contact method you chose. This notice will tell you when your cover ends and state any refund amount, if applicable. If you chose email, make sure you check your spam folders.
Contact us your way
Give us a call, send us a message, or connect with us online. We’re here to help.
Need an interpreter? Our interpreter service is available in more than 160 languages. To discuss your policy in a language other than English, give us a call.
Review your policy and only pay for what you need
Circumstances change, and you may be looking to save money on your insurance. Whether you have Car, Home, Landlord, Business, Life, Boat, or Caravan and Trailer Insurance, check your cover. You can review and update your policy so that it suits your current needs.
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Check your details
Make sure your policy is as accurate as possible by providing us with your most up-to- date details. For example, if you have Car Insurance, this may include checking the driver details, distance travelled, agreed value, and any changes to financing.
Adjust your sum insured
If you have Home or Landlord Insurance, you can review your sum insured and adjust it to meet your insurance needs. Remember, we’ll pay up to the amount of your loss or sum insured, whichever is less, for a covered loss.
Review your excess
You can change your excess during your policy period.1,2 Increasing your excess may reduce your premium, but you’ll need to pay the increased excess if you make a claim.
Consider your cover
Consider your cover type to make sure it suits your current situation, for example Comprehensive vs Third Party Property Damage. You can also add or remove optional covers.
Ask for a policy review
We offer a policy health check where one of our consultants can review your policy with you. We may be able to find some ways to help you manage your premiums and keep your insurance cover.
Support during financial hardship
Our staff are trained to identify financial hardship. We may be able to extend your payment due dates or offer other options. If you’re going through a difficult time and struggling to pay your premium, we’re here to help.
Frequently asked questions
There are cooling-off periods from the date you bought your policy, so you can cancel it if you change your mind.
Cooling-off periods vary depending on your insurance policy type:
- Boat, Business, Caravan and Trailer, Home, and Travel Insurance: 14 days
- Car Insurance: 21 days
- Life Insurance: 30 days
During the cooling-off period, we’ll refund your premium as long as you haven’t made a claim or don’t need to make a claim. We may deduct government charges we can’t recover.
For Travel Insurance, we’ll give you a full refund, provided:
- you haven’t started your journey, and
- you don’t want to make a claim, and
- you don’t want to exercise any other right under your policy
No. We won’t charge you a cancellation fee.
Check with your conveyancer or lawyer before cancelling your insurance as settlement periods vary. We’ll refund you for any unused portions of your premium. The new owners will arrange their own insurance.
If you’ve bought a new home, talk to your conveyancer or lawyer about when to insure it. If you’re now renting, you might like to consider contents insurance for renters.
You should cancel your Allianz Comprehensive or Third Party Property Damage Car Insurance after you’ve signed over the registration papers to the new owner. Your Compulsory Third Party (CTP) Insurance will be transferred to the new owner.
If you’re eligible for a refund, we’ll refund most of the premium covering the rest of your period of insurance. We may deduct a pro rata proportion of the premium. This is for the time you were insured and any government taxes or duties we can’t recover.
For example, if you pay your premium annually, but cancel it after six months, we’ll refund you for six months. If you pay your premium monthly, we’ll deduct the number of days you were insured with us that month.
Note: If you’ve made a claim or you need to make a claim, this may affect your refund. Where we’ve agreed to cover a total loss claim, you won’t be eligible for a refund.
For Travel Insurance, we’ll give you a full or partial refund. That’s provided: you haven’t started your journey and you don’t want to make a claim, or exercise any other right under your policy. If you cancel your policy after the cooling-off period, we’ll calculate a partial refund. We’ll refund you on a pro-rata basis from the date you cancel your policy.
For further information, see the relevant Product Disclosure Statement (PDS).
The timeframe for receiving a refund can range from a few days to a few weeks. It depends on the circumstances of your cancellation, such as your payment method, any outstanding balances, or open claims. It’s best to contact us, or your Allianz Insurance agent, to confirm your eligibility and the refund process for your policy.
If you want to cancel your CTP Insurance, you’ll need to cancel your vehicle registration first. When you’ve cancelled your vehicle registration, you’ll receive a deregistration confirmation letter. We’ll need the confirmation letter before we can process your cancellation and refund any unused portion of your premium.
You can cancel your policy if you’re the policy holder. The policy holder is the person named as the insured on the insurance policy. Anyone you nominate as a third party on your policy, such as a lawyer, carer, or friend, can cancel your policy. This may be by a Power of Attorney.
We can cancel your policy where we need to by law. This is only likely to happen if you’ve broken our terms and conditions.
Without your request, we only cancel policies if we need to by law. Here are the main reasons why we may cancel policies:
- Non-payment: if you miss your scheduled premium payments. Let us know if you’re struggling to pay your premium instalments on time. We can work with you to find a solution.
- Incorrect information: if you’ve given us incorrect information about your personal circumstances or the insured property.
- Changes to your details: if you haven’t told us about changes to your personal circumstances or your insured property and we can’t reach an agreement with you.
- Fraudulent claims: if you make any fraudulent claims.
- Any other breach of our terms and conditions: if you don’t comply with our terms and conditions as set out in the relevant PDS.
If we cancel your Home, Car, or Business Insurance , we’ll give you at least three business days’ notice in writing before the cancellation date. This will be either in person, by email, or by post to the address you’ve given us.
For further details, see the relevant PDS for your insurance product.
If you cancel your policy, we’ll send you a confirmation notice by email or post to tell you when your cover ends. But if you’re unsure or have any queries, give us a call on 13 1000.
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*Conditions apply
Minimum premiums may apply
- Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you’re eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two discounts consecutively means that you won't see the full benefit of both these discounts.
Discounts don't apply to taxes or government charges. Option to change your excess
- Home Insurance: Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable Contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers’ Compensation, Flood or Portable Contents. Minimum premiums apply.
- Landlord Insurance: Not available with respect to any additional compulsory excess, or to the imposed excess applied to the policy. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Landlord’s Workers' Compensation, or Flood. Minimum premiums apply.
Car Insurance: Under 25 Driver excess. A higher Under 25 Drive excess applies when there are no drivers aged under 25 listed in your policy details document. You can reduce this amount by listing the youngest under 25 driver who uses your car in your policy details document. For further information, see the relevant PDS.
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.