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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.


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.

What does Comprehensive Car Insurance cover?

Allianz Comprehensive Car Insurance covers your car, plus damage you cause to other people's cars or property.

Our cover is built with care, shaped by what matters most to Australian drivers like you. That’s why we offer choice of repairer, agreed value and new car replacement2.

Below is a snapshot of our product. Check out our Product Disclosure Statement (PDS) for a full list of what is and isn’t covered.

What's covered

What's covered

  • Accidental damage to your car, including theft
  • Weather events – such as hail, storm, flood and fires
  • Rental car when you’re not at fault in a car incident3
  • Transport costs4 – up to $500
  • Emergency repairs – up to $500
  • Emergency accommodation5 – up to $500
  • Key replacement after theft6 – up to $1,000
  • Towing and storage – reasonable costs
  • Personal belongings7 – up to $1,000
  • Baby capsules and child seats8 – up to $650
  • Legal liability9 – for up to $20 million
What's not covered

What's not covered

  • Unroadworthy cars
  • Unregistered cars
  • Ridesharing (unless you tell us)
  • Undisclosed or illegal car modifications
  • Damage to your tyres (unless part of a covered incident)
  • Mechanical and electrical breakdown
  • EV wall chargers and accessories you don’t own

This is a summary of some of the features available when you buy a new Comprehensive Car Insurance policy. Our policies have changed over the years, so your cover may differ depending on when you first purchased it. Visit our policy page for more information.

Allianz Comprehensive Car Insurance benefits

  • Any driver coverage
  • We'll cover anyone you give permission to drive your car. Driver and usage exclusions apply.2
  • Choice of repairer
  • We'll help find you one, or you can choose your own.1
  • Agreed value
  • When you take out your policy, we’ll agree on an amount with you that we’ll cover your car for. Unlike market value, you'll receive this amount if your car gets written off.
  • New for old car replacement
  • If you buy a brand-new car and it's written off within 2 years, you can choose for us to replace it with the same make and model.10
  • Guarantee on authorised repairs
  • We guarantee materials and workmanship on repairs we authorise, for as long as you own or lease your car.

Upgrade your cover

You can add these options to your policy for an additional fee.

Removal of excess for windscreen damage only claims

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.

Learn more

Rental car after any covered incident

With this option, you receive a rental car after an insured event – whether it’s bad weather or an accident that was your fault.11

Compare our Comprehensive options

This is a summary of some of the features available when you buy a new Car Insurance policy. Our policies have changed over the years, so your cover may differ depending on when you first purchased it. Visit our policy page for more information.

^Most popular’ is based on the number of policies sold in 2025 when comparing Comprehensive Car Insurance and Third Party Property Damage Insurance. Our Comprehensive Essentials product launched in February 2026 and its sales data is not yet available for comparison.

Just want the essentials?

Check out Allianz Comprehensive Essentials. It could lower your premium while still covering accidents, theft and weather damage.

Explore Car Insurance in your state

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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Insurance for EVs

Allianz Comprehensive Car Insurance is designed with electric vehicle drivers in mind. Our policy covers lots of EV-friendly features including:

Fire, including battery fires

Cover for fire damage, including EV battery fires such as thermal runaway.12

Loss or damage to your EV battery

We’ll cover accidental loss or damage to your EV battery.

Charging accessories

Loss or damage to charging accessories owned by you including wall chargers, charging cables and wall mounts.

EV certified repairers

Choose from one of our EV certified repairers or your own at no extra cost.1

New EV replacement

Get a new EV if yours is written off within two years of manufacture.10

Car Insurance for EVs

Want Roadside Assistance?

Allianz Roadside Assistance is available 24/7 across Australia. If your vehicle breaks down, we'll help get you moving again.4

Why Choose Allianz Car Insurance?

Insuring Australians for 110+ years
Award-winning insurer
24/7 online claims

Ready to get started?

Learn more about Comprehensive Car Insurance

Agreed vs market value

Agreed and market value determine how much you get if your car is written off – but one gives you more control over your payout. Learn what’s right for you.

Read more

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.

Read more

How to buy and pay for Allianz Car Insurance

Find answers to common questions about buying Allianz Car Insurance.

Read more

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:

  • the age, driving experience and claims history of the person who drives the car most
  • the year, make and model of your car
  • the location your car is parked

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

Comprehensive car insurance isn’t 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’ll 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.

You can get a Comprehensive Car Insurance quote online by:

  1. Clicking ‘ Get your quote’
  2. Entering your car details and main driver information (this is the person who drives the car most).
  3. Select from Comprehensive Car Insurance, Comprehensive Essentials or Third Party Property Damage Insurance.
  4. Adjust your excess to suit your needs where available.
    • A higher excess can lower your premium.
  5. Review your quote.
    • You can buy car insurance online or email it to yourself and come back later.
  6. If you buy insurance, you can download your Certificate of Currency or get it emailed to you.

Coverage features

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 can always find the agreed value in your policy documentation.

With our Comprehensive Essentials option, we offer market value cover.

An excess is the amount you’ll need to pay towards the cost of a claim. When you take out Allianz Comprehensive Car Insurance, you have the choice to adjust your excess within the given range. If you raise your excess, this will decrease the cost of your premium.

For example, say your car is damaged in a covered accident and needs $6,000 of repairs. If your policy has a $1,100 excess, then you’ll need to pay the $1,100 excess and your car insurance will cover the remaining $4,900 repair costs.

Situations you’re commonly required to pay an excess include:

  • Because you were the at fault driver.
  • Damage caused to the vehicle due to a weather event.
  • If the at fault driver’s details are incorrect, unavailable or you’re unable to get them at the time of the incident.

For more information, read our car insurance excess guide.

When you purchase comprehensive car insurance it doesn’t include CTP (Compulsory Third Party Insurance).

CTP, also known as a Green Slip in NSW, covers your liability and the liability of anyone else who drives your car for injuries you may have caused to other road users in a motor accident. CTP doesn't provide cover for any damage you cause to other people's cars or property.

Yes. With Allianz Comprehensive Car Insurance, we cover anyone driving your car – as long as there’s no age limit on your policy details documents.2

Allianz Comprehensive Car Insurance can cover damage for a broken windscreen. In 2024, over 20% of Allianz Comprehensive Car Insurance claims were for windscreen damage.

If your windscreen needs to be repaired or replaced, you’ll usually pay an excess – unless you add our optional cover. This removes the excess for windscreen-only claims. It also includes all windows and sunroofs. You can claim for one windscreen replacement and two windscreen repairs every policy year.

Yes, with Allianz Comprehensive Car Insurance, you have the freedom to choose your own repairer.1 If you have a preferred repairer, you're welcome to use them. Otherwise, we can help you find one.

Specific coverage questions

Yes, it can – but only if you let us know your car is being used for ridesharing such as Uber. If you let us know you plan to use your car for ridesharing, we may be able to cover you. You can do this during the quote process or ask us about ridesharing cover at any time.

Yes. We can cover your 4WD 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.

You won’t be covered if you use your car in an off-road competition.

We don’t typically cover modifications to the engine, body or custom paint jobs.

Generally, we cover standard tools, modifications and accessories provided by the manufacturer. You don’t need to list your car’s accessories separately – just make sure you include their value when choosing how much to insure your car for.

With Comprehensive Car Insurance, we can also cover you for disability modifications, up to your agreed value.

If you have something specific in mind, ask us and we’ll confirm if it’s covered.

No. You’ll need to call us to take out our Caravan and Trailer Insurance cover if you want insurance for your caravan or trailer. This is separate to our Comprehensive Car Insurance cover.

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. No additional premium will be charged if the customer uses their own EV repairer.

  2. If your new car is stolen or written off within two years of manufacture, 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.

  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. We'll reimburse you up to $500 for the costs of travelling from the scene of the accident or to or from the repairer or rental car provider.

  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 period of insurance for key replacement and lock recoding if your car key is stolen and you’ve reported the theft to the police.

  7. 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.

  8. 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.

  9. Provides up to $20 million cover for damage you cause to other people's cars or property, arising out of a single accident and its related events.

  10. 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.

  11. Market value means the cost to replace your car with a car of the same make, model, age and condition as your vehicle immediately prior to the loss or damage. This excludes costs and charges for registration, CTP insurance, stamp duty transfer, dealer warranty costs, transfer fees, and dealer delivery. See the PDS for more information.

  12. Battery thermal runaway for EVs is covered under fire, provided there has been no deviation from manufacturer specification in relation to battery usage and charging.

  13. 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.