Motor insurance

Why choose Allianz Comprehensive Motor Insurance through Mortgage Choice?

You may be able to increase your excess to reduce your premium ¹
Choose your own repairer⁵
Rental car for up to 30 days⁶ if your car is stolen ($100 per day limit)

Allianz Motor Insurance has a great range of features and benefits designed to suit customers with different needs. With a 24/7 online claims lodgement service, a monthly payment option³ and a choice between Comprehensive and Third Party Property Damage cover, Allianz Motor Insurance gives you the flexibility so you can choose to manage your car insurance in a way that suits you

Find the cover that’s right for you

Comprehensive Insurance

✔ Allianz’s highest level of cover for your vehicle

✔ Cover for fire, theft, accidents, malicious damage and legal liability costs

✔ Covers your vehicle, plus damage you cause to other people’s vehicles or property

Third Party Property Damage Insurance

✔ Covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident that’s partly or fully your fault

✔ Approved legal liability costs

✔ Your own vehicle isn’t covered by this type of insurance

Comprehensive Insurance & Third Party Property Damage Insurance comparison table

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

Key benefits	Comprehensive Cover	Third Party Property Damage Cover
Accidental loss of or damage to your vehicle	✔	X
New for old replacement after a total loss will be for a vehicle of the same make, model, engine size, features and paint type if: • you bought your vehicle new, or as a demonstrator model, from the manufacturer or their dealer • your vehicle is less than two years old from its first registration at the time it’s declared a total loss • where relevant, your financier has given its written consent • a new replacement vehicle is available in Australia	✔	X
Legal liability cover is for loss or damage you cause to other people's cars or property and for supplementary bodily injury arising out of a single accident or a series of related events.	✔ Up to $20 million	✔ Up to $20 million
Approved legal costs arising from a claim for liability covered by the policy	✔	✔
Emergency repair costs after an accident	✔ Up to $500 for any one covered accident	X
Rental car after theft of your vehicle	✔ $100 per day limit, up to 30 days⁴	X
Towing after a covered incident	✔	X
Temporary cover on replacement vehicle	✔ Up to 14 days	X
Trailer and caravan cover	✔ $1,000 or market value, whichever is less	X
Legal liability cover for a substitute vehicle	✔	✔
Cover for personal items in your vehicle	✔ Up to $1,000 for any one incident	X
Emergency accommodation and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s normally parked at night.	✔ Up to $1,000 for any one incident	X
Transportation costs if your vehicle can’t be safely driven home after a covered accident.	✔ Up to $500 for any one incident	X
Lock re-keying/re-coding if the keys to your vehicle are stolen	✔ Up to $1,000 for any one incident	X
Child seat or baby capsule replacement after an accident	✔ Up to $500 for any one incident	X
Rental car after an accident, where available⁴	✔ Optional cover (extra cost) $100 per day limit, up to 30 days	X
Cover for tools of trade	✔ Optional cover (extra cost)	X
Named driver option	✔ Optional excess	X

Motor Disclaimer

Please refer to the Motor Insurance Product Disclosure Statement for details.

Mortgage Choice Limited (Mortgage Choice) ABN 57 009 161 979 AR 435921 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available here. The relevant Target Market Determination is available by calling 1300 736 085. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

1 Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.

2 The online discount applies to new Comprehensive Motor Insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

3 Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%. For more information see our PED guide

4 Offer valid for new Allianz Comprehensive Motor Insurance policies purchased through Mortgage Choice. 12 months roadside assistance membership is provided by AWP Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance. Terms, conditions, exclusions and limitations apply to the offer and the 12 month standard roadside assistance membership, which are available at allianz.com.au/roadside.

5. In certain circumstances we may agree with you to use another repairer than the one that you selected. We will act reasonably in doing so

6 We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle

7 Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

Terms and conditions apply; please see the Product Disclosure statement for more information.

The Financial Services Guide – Mortgage Choice Insurances can be viewed here. This information has been prepared without taking into account your individual objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply.