Allianz car insurance review

Allianz offers various forms of insurance, including car insurance, home insurance, travel insurance and pet insurance.

Under its own name or via other brands (such as LV General Insurance or Petplan) Allianz has millions of customers and is one of the largest five car insurers in the UK.

It offers two levels of car insurance cover: its standard cover and a more basic Essentials policy. 

The standard policy covers drivers aged between 23 and 79. Essentials covers drivers aged between 26 and 79.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

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Does Allianz offer the best car insurance?

Here's how Allianz scored in our latest car insurance survey:

• 66% customer score – joint 7th out of 19 providers with a customer score.
  
• 77% policy score on its standard policy – joint 1st out of the 31 providers we reviewed, and a Best Buy.
• 68% claims score – 5th out of the 19 providers with a claims score.

See how this compares with the best car insurance.

What does Allianz car insurance offer?

How good is Allianz's car insurance policy?

Allianz's standard policy is a Which? Best Buy.

It was a standout in our analysis of cover. It ranked joint first in our comparison of 76 policies, scoring 77%.

It guarantees its repairs for the lifetime of the car (a 3-5-year guarantee period is more common), and includes six months comprehensive cover while driving overseas.

We did notice that some of its excesses were comparatively high, however. For example, there's a compulsory excess of £250 for fire, theft or accidental damage claims.

• Read another Best Buy policy: Sheilas' Wheels car insurance review

Misfuelling cover

If you accidentally fill your petrol tank with diesel or vice versa, you can claim on Allianz's standard policy for the costs of draining the fuel and any damage that has resulted to the engine.

Essentials cover

Allianz Essentials is a more basic alternative to its standard policy. 

As the name suggests, this lacks certain features that you'd get with the standard policy, such as personal belongings cover or cover for driving other cars. It also has higher compulsory excesses (£350 for fire, theft and accidental damage claims).

Essentials achieved a lower score of 52% in our analysis, placing it in the bottom fifth of our table.

How did customers rate Allianz's car insurance?

We asked Allianz customers who've recently made a claim how they felt about their car insurance.

Allianz car insurance scored earned a 66% customer score – in line with the overall average and 7th (of 19) in out table. 

Customers were also asked to rate their most recent claim. Allianz scored 68%, placing it fifth out of 19 companies we scored.

Here's how customers rated Allianz in various areas of service:

How can you save money on Allianz car insurance?

You can buy Allianz's policies directly from its website or through the following comparison websites:

• Compare the Market
• Confused.com
• GoCompare
• MoneySuperMarket

Allianz's policies should come to the same price and have the same levels of cover regardless of how they're purchased. However, we think it's sensible to use comparison websites to see how its prices compare against other insurers. 

You could then mention what you've been quoted and use it to try to haggle the premium down.

Above information correct as of December 2024.

How does Allianz compare with other providers?

Allianz received a customer score of 66% and a claims score of 68%, placing it in the middle of our rankings for customer satisfaction. 

However, Allianz's insurance policy topped the list, with an impressive score of 77%, making it a Best Buy - above NFU Mutual and Direct Line. 

For those looking for a provider with higher-rated customer satisfaction, Aviva and LV delivered stronger results across both customer and claims handling scores.

Allianz: how can you claim?

If you need to make a claim with Allianz car insurance, you can do so through its website or by calling 0330 678 5557.

• Find out more: is it worth claiming on your car insurance?