Review: Allianz Car Insurance
By
David Woodfield
Update, 2017 Allianz no longer offers car or home insurance directly to new customers.
Check out our list of the best car insurance companies.
Summary
Allianz is one of the largest insurance companies in the world. Founded in 1890 it now provides a large range of commercial insurance and personal insurance products, including pet, business, travel, car and home. It also operates life and health insurance businesses too.
The company’s overall headquarters are based in Munich, Germany. In the UK, Allianz’s head office is located in Guildford, Surrey. The company’s UK division has 20 offices around the country, employing 4,500 people.
You can see who made it into our Top 10 Car Insurance companies, considering customer and industry ratings.
Overview of car insurance cover provided by Allianz Car Insurance
Rather than provide a number of tiers of policy, Allianz offers all its customer standard cover, with the ability to add further benefits to create your own car insurance. There is a minimum new customer age of 25.
Its standard package consists of comprehensive UK cover for the class of vehicle use selected by the policyholder, plus third party cover when driving in the European Union, Andorra, Iceland, Liechtenstein, Monaco, Norway, San Marino, Serbia and Switzerland.
The policy also includes protection of no claims discounts for non-fault accidents involving an uninsured driver, a courtesy car whilst your damaged car is being repaired, roadside assistance in the event of an accident, travel expenses and emergency overnight accommodation following an insured accident, and free initial legal advice.
Allianz will replace keys, transmitters and immobilisers that have been lost or stolen, up to the value of £1,500.
In addition to the above, policyholders have the option to choose your own car insurance benefits, with further legal expenses cover, no claims discount protection, breakdown and personal accident cover, foreign travel cover and windscreen cover available as add-ons.
Further optional benefits include third party protection when driving another car not owned or hired by yourself, and contents insurance against damage, loss of theft of personal items stored in your car, roof box or trailer.
We considered the strength of policies when making our list of the Top 10 Car Insurance companies. You can see who came top here.
How much does Allianz Car Insurance cost?
The bespoke nature of Allianz’s car insurance means the overall cost of your policy will depend on how many additional extras you select. Your personal circumstances will also impact the price, with factors such as postcode, number of years no claim bonus, and how many miles you drive each year influencing the outcome.
What do Allianz Car Insurance reviews by customers say?
Allianz has a 94% positive rating on independent review website Feefo.com. Recent comments have included ‘great service – would recommend to others’, ‘big saving on my car insurance’ and ‘competitive rates and courteous customer service’. All negative reviews left on feefo.com in June 2015 had been replied to by Allianz customer service agents.
What do Allianz Car Insurance reviews from the experts say?
Industry body Defaqto has awarded Allianz a five (out of five) star rating for its car insurance product, making it “An excellent product with a comprehensive range of features and benefits“. Which? scored Allianz car insurance 75% in a recent study – this score, combined with the customer score of 59%, gives Allianz a total rating of 67% and places it in 12th place out of 34 recommended car insurance providers.
We looked at customer and expert ratings when comparing providers for our Top 10 Car Insurance companies list - check out the full list here.
