Comprehensive  Car Insurance

What is Comprehensive Car Insurance?

It’s the top level of cover for your car if it's damaged, even if you're at fault, or if it's stolen.

Benefits for you

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The details on what’s covered

Questions about what’s included in Comprehensive Car Insurance? We’ve got you covered with the details you need.

For full details of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) (PDF 1MB) before making a decision to purchase the insurance.

Frequently asked questions

How much can I insure my car for?

You have two choices when it comes to insuring your car under a Comprehensive Car Insurance policy, they are:

1. "Agreed value" – where Allianz agrees to insure your vehicle up to a specified amount – this will be shown in your policy schedule.
2. "Market value" – replace your car with the same make, model, age and condition at the value it was immediately prior to the insured incident. Costs and charges for vehicle registration, compulsory third-party insurance, stamp duty transfer, dealer warranty costs, transfer fees and dealer delivery are not included.

An industry motor valuation guide may be used to figure out the market value of your car, along with other factors like local market prices, the condition of your car and any modifications, options or accessories shown on your policy schedule.

How can I reduce my car insurance premiums?

You may be able to reduce the cost of your car insurance by increasing your basic excess (which is the amount you pay at the time of a claim).

The Named driver option also lets you list all your drivers on your Comprehensive Car Insurance, which could help you save too.⁵

What is an excess, and when do I need to pay it?

The amount you may need to pay if you make a claim is known as the "excess" and it can vary depending on factors including:

• base excess chosen,
• age of the driver, and
• whether the driver is listed on your policy. 

You can be required to pay excess whenever you are the at fault driver or if the at fault driver’s details are incorrect, unavailable or you’re unable to get them at the time of the incident. More than one excess may apply.

For an additional cost, you can also choose the option to remove an excess for windscreen claims.

Can I choose my own repairer?

Yes. You can choose your own repairer or Allianz can help you find one. If you choose your own, a second quotation from an Allianz-authorised repairer might be required.⁴

Allianz will work with you and the repairer to help get the best repair result, regardless of the repairer you use, and guarantees authorised materials and workmanship for as long as you own or lease your vehicle. This guarantee is not transferable.

Will I get a rental car?

Yes, you’ll get a rental car if your car is stolen and your claim under a Comprehensive Car Insurance policy is accepted. 

For an additional cost, you can add a benefit to your Comprehensive cover to provide you with a rental car if your car is damaged in an accident.⁶

A rental car will be provided for up to 30 days at up to $100 a day and this may be extended if Allianz causes or contributes to the delay in repairing your car.

Allianz may not cover a rental car that you arrange yourself, so always check with them beforehand.

Are personal items in my car covered?

Yes. With Comprehensive cover you can receive up to $1,000 per claim for the repair or replacement of personal items that were damaged in a collision, stolen from a locked vehicle or stolen at the same time as your car. Personal items belonging to you, your spouse, your de facto and dependent children are also covered.

Important information

¹Pay by instalment at no additional cost compared with paying annually. Instalments may be subject to minor adjustments due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

²Policyholders need to ensure their personal details on their policy match with their BankSA accounts. Only primary policyholders can see policies alongside their other BankSA accounts.

³Driver 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 Product Disclosure Statement (PDS) (PDF 1MB) 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.

⁴If you choose your own repairer, Allianz may need a second quote from another repairer chosen by them to make sure the quote you've received is reasonable. Allianz 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.

⁵If you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces the basic and all other excesses where applicable). Minimum premiums may apply.

⁶Allianz will arrange a rental car of a similar size and type to your car after a covered collision. You'll get the rental car for a maximum of 30 days while Allianz either fixes your car, pays you the cost of repairs, or determines 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, Allianz will pay you a travel allowance of $50 a day for as long as they would have given you a rental car. See the Product Disclosure Statement (PDS) (PDF 1MB) for more details. 

This information does not take into account your personal circumstances. Motor Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz). BankSA – A Division of Westpac Banking Corporation ABN 33 007 457 141 arranges the initial issue of the insurance under a distribution agreement with Allianz, but does not guarantee the insurance.

Before making a decision, please read the Product Disclosure Statement (PDS) (PDF 1MB) and the Premium, Excess, Discount and Options Guide (PED) (PDF 1MB) to see if this insurance is right for you.