With our Allianz cover level you'll have Comprehensive cover while driving your car in the EU for up to 180 days of the policy year.
With our Allianz Essentials cover level, you'll have the minimum compulsory cover needed by law to drive a car in Europe for up to 180 days of the policy year.
With our Allianz cover level, you're covered for putting the wrong fuel in your vehicle. We'll pay to fix the engine damage and also drain & flush the fuel tank.
Misfuelling cover is not provided on our Allianz Essentials cover level.
*You will need to pay your accidental damage excess, this amount is shown in your documents.
We cover cars with disability modifications, in other words modifications/enhancements that have adapted the vehicle to support somebody with a disability.
We also cover air conditioning, fog lights, parking sensors and tow bars.
We don't cover any other modifications. For example, these are some of the things we wouldn’t cover:
With our Allianz cover level, Guaranteed hire car is included as standard. Our Allianz Essentials cover level gives you the option to add a Guaranteed hire car as an optional extra.
If you have our Allianz cover level or have added Guaranteed hire car to your Allianz Essentials policy, then you'll receive a small 3-door hatchback while your car is being repaired.
If your car is written off or stolen and not recovered, you'll receive one for 21 days, or 4 days from the date the claim payout is made (whichever is sooner).
If you've sold your car and don't have a new car to insure, you'll need to cancel your policy via your online account.
If you've replaced your car with a new one and need to insure it, you can transfer your policy over to the new car online via your account (remember, your price may change).
We'll need:
Yes. We need to know a driver’s complete claims history.
If you don’t keep your claims information up to date, this could result in your policy being cancelled, or your cover being void when you need it.
New Car Replacement is included as standard on our Allianz cover level.
We'll look to replace your car with a new one if it's involved in a claim and written off, as long as the car is less than a year old and you or your partner are the first and only registered keeper. The replacement vehicle will be of the same or similar specification. You'll find all the details in your Document of Insurance in your online account.
New Car Replacement is not provided on Allianz Essentials cover level.
Motor legal expenses (MLE) gives you up to £100,000 towards legal expenses if you need to pursue another party for any uninsured losses. This includes things like loss of earnings or personal injury claims which are a direct result of an accident that wasn't your fault.
MLE cover is included on Allianz Car Insurance policies, and can be added to Allianz Essentials policies as an optional extra. If you would like to add this cover to your Allianz Essentials policy, please log in to your online account to make the changes.
Why add MLE?
It’s important to remember you won't be covered for claims that don’t have a reasonable (more than 51%) chance of success.
We offer a range of optional extras to enhance your car insurance policy, whether you have our Allianz or Allianz Essentials cover level.
Allianz optional extras:
Allianz Essentials optional extras:
Protected No Claim Discount (PNCD) is an optional extra you can add to your car insurance policy.
It means that any No Claim Discount (NCD) you've built up is protected - no matter how many claims you make.
To qualify for this optional extra, you need to have earned four or more years NCD. If you wish to add protected NCD cover to an existing policy, you can do this in your online account but you cannot add it if you've had a claim that would impact your NCD.
Your premium may still be affected if you make a claim.
This includes trips like the school run, popping to the shops, and driving to social events.
If you use your car for work, or commute to multiple places of work, you’ll need to add business use cover to your car insurance policy.
If you have a serious injury when you're travelling in your car, or getting in or out of it, personal accident cover is there to protect you.
Our Allianz cover level includes up to £10,000 personal accident cover.
Allianz Essentials includes up to £1,000 personal accident cover.*
This covers you, your partner or a named driver on the policy if the injury results in:
We'll pay the injured person or their legal representative. Please see our car insurance document of insurance to find out more about what you can and can't claim for on personal accident cover.
*If you bought Allianz Essentials before 16 January 2025, you won’t see personal accident cover included in your documents, but rest assured we’ve got you covered.
We have seven days to update the MID with your policy details. This includes new policies sold and policies cancelled.
However, we usually have the records updated within 1-2 days (subject to the date/time of the change).
If you've insured your vehicle, and have received your certificate of insurance and personal details confirmation, then you're insured until the record can be updated.
If you SORN your vehicle, you have a few options:
If you've declared your car as being off road / SORN, you can't drive it until the vehicle is re-taxed and declared as being back on the road.
If your licence is revoked, you'll need to log into your account and edit your details.
You'll no longer be able to drive the insured car.
You'll also need to be removed from the policy, or if you're the policyholder, the policy will need to be cancelled.
If your licence has expired and you're insured with us, you're still covered but you'll need to visit gov.uk/view-driving-licence to renew your licence immediately.
If your policy has been cancelled, you'll need to log in to your account and set up a new policy with us.
If your policy was cancelled due to any outstanding payments, any outstanding balances will need to be paid for before a new policy can be set up.
Your account will already hold your details, so you won't need to enter all your information again to get your new quote.
Policyholders that have our Allianz Essentials cover level do not have cover for driving other cars.
Policyholders that have our Allianz cover level may have third party only cover for driving other cars, subject to certain restrictions. We recommend checking your certificate of motor insurance in your account to confirm if you have this cover.
If applicable, this cover is for the policyholder only, not named drivers and is restricted to third party only cover in the UK, Isle of Man and the Channel Islands. The loss or damage to the vehicle you're driving isn't covered. Refer to your Document of Insurance for further information.
The registered keeper is the person legally responsible for the vehicle, meaning it’s up to them to make sure it's taxed, insured and has a valid MOT.
It’s a little different if you’re leasing the car, though, which is a bit like renting it long term. The lease company is usually the registered keeper, so they would keep it taxed and MOT’d but the responsibility for insurance would still normally fall to you (the lease holder).
The legal owner is the person or company who paid for the vehicle or took out the finance. As the legal owner of a car, you’ll hold the proof of ownership and its DVLA logbook. For cars on a lease, the lease company is typically the legal owner.
No, you don’t have to be the car’s registered keeper to be the main driver on your car insurance. But the registered keeper does need to be a named driver on the policy.
The main driver is the person who uses the car most often and it’s important your policy accurately reflect this.
Falsely naming a more experienced driver as the main driver on your insurance to get a lower premium is called fronting, which is a type of insurance fraud. In other words, it’s illegal and could invalidate your insurance leaving you to foot the bill in the event of a claim.
The consequences of fronting don’t end there, though. You could also be taken to court, charged, and end up with a criminal record.
When you set up a policy with us, you’ll have selected either Allianz, which is our highest comprehensive cover, or Allianz Essentials, which covers the basics.
If you have our Allianz cover, you won’t be able to change your cover level to Allianz Essentials until your renewal.
If you have Allianz Essentials cover, you can switch to Allianz at renewal or within the policy year when making a change to your policy.
It’s always worth comparing the different cover levels we offer, to make sure you’re choosing the right policy for you.
When renewing, you should always check your level of cover still meets your needs. We’ll send you an email 30 days before your renewal date, at which point, you can review your renewal cover details and price in your online account.
It’s always worth comparing the different cover levels we offer, to make sure you’re choosing the right cover for you.
