Understanding your Car Insurance cover

Third Party Property Damage Insurance covers damage you cause to other people's property. It doesn’t cover damage to your own vehicle. This type of cover can be essential for protecting you from potential significant legal liability in case of an accident. 

Refer to page 28 of the Product Disclosure Statement (PDS) (PDF 1MB) Refer to page 28 of the Product Disclosure Statement (PDS) (PDF 1MB)

Cover for the accidental loss of (including theft) or damage to your vehicle.

If your vehicle is under two years old and is a total loss it will be replaced with a new vehicle of the same make, model, engine size, and features. If a new replacement vehicle is not available within Australia, you’ll be paid the market or agreed value as shown on your policy statement.

Cover of up to $500 for child seats or baby capsules in your vehicle during a covered accident.

Reimbursement for up to $500 of emergency repairs needed to drive your vehicle home after a covered accident. 

Cover for up to $1,000 of any reasonable travel or accommodation expenses incurred as a result of a covered accident if you are more than 100km from the address where your car is normally parked at night.

Up to $1,000 for the replacement of your vehicle’s keys and re-coding of your vehicle’s locks if your keys are stolen and the incident has been reported to the police.

Up to $1,000 for personal items and clothing belonging to you, your legal partner or dependent children if they’re damaged or stolen from your car.

If your claim for the theft of your vehicle has been accepted you will be provided with a rental car until your claim is settled, for a maximum of 30 days. The maximum daily rental charge is $100.

If you sell or give away your vehicle and replace it, you’ll receive temporary cover for your new vehicle from the time you sold or gave away your old vehicle.

Covers reasonable costs for protection, removal and towing of your vehicle to the nearest repairer or other agreed location after an accident.

Up to $1,000 for accidental loss of or damage to any trailer or caravan attached to your vehicle at the time of a covered accident. Please note this is a separate and distinct cover to Caravan & Trailer Insurance.

Up to $500 for you, your spouse or de facto and any dependent children, if your vehicle can’t be safely driven home after an accident.

Cover to pay compensation for loss or damage caused by a car accident that is your fault.

Choose your own or use one of Allianz’s authorised repairers. In both cases, 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.²

Refer to page 40-42 of the Product Disclosure Statement (PDF 1MB) Refer to page 40-42 of the Product Disclosure Statement (PDF 1MB)

This optional cover provides you with a rental car (or a daily travel allowance of $50 if a car isn’t available) for up to 30 days while your vehicle is being repaired.¹ Allianz will arrange a rental car for you. If you arrange one without their consent, they may not pay for the one you arrange.

No excess applies for windscreen, sunroof or window glass claims.

This optional cover allows you to claim up to $3,000 for accidental loss (including forceable theft) and accidental damage of tools of trade, trade stock and materials securely locked in, or permanently fixed to, your vehicle.

The amount you contribute to a claim. You can change your basic excess within a set range, and this can impact your insurance premium.

This is an additional excess for drivers under 25. If the Under 25 Driver isn’t listed on your policy schedule, you’ll pay a higher age excess than if the driver is listed.

This is an additional excess and is only applicable if shown on your policy schedule.

This is an additional excess which may apply to specified drivers listed on your policy.

If your policy schedule shows the ‘named driver option’ applies, an unnamed driver excess will apply if the vehicle was being driven by someone not listed on the policy schedule. This excess is $2,500 and will replace all other applicable excesses.

A safe driver discount of up to 15% may be applied to your policy. This discount is calculated based on our insurance history, driving history and the number of claims you have made. The maximum discount that can be received when you take out a new policy is 10%.

A discount of up to 5.8% may be applied when you name specific divers on your policy. However, if you make a claim and your car was being driven by someone not listed on your policy you will be charged an unnamed driver excess.⁴

If you quote and purchase a new policy online you may receive a discount of up to 10% on the first year’s premium.

Your vehicle being driven by an unlicensed or declined driver, or a driver under the influence.

Your vehicle being used in an unsafe or unroadworthy condition. 

Your vehicle is carrying more people or a larger load than it is designed for, or that the driver is permitted to carry.

Carrying passengers for hire, fare or reward. 

Participation in motor sport or the motor trade. 

Deliberate, intentional, malicious or criminal acts.

Incidents arising from war, terrorism, radioactivity or nuclear materials.