Yes.
With our Allianz Online Gold cover level you'll have Comprehensive cover while driving your car in Europe for up to 180 days of the policy year.
Our Allianz Online Silver cover level will provide Comprehensive cover while driving your car in Europe for up to 90 days of the policy year.
With our Allianz Online Bronze 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 Online Gold and Silver cover levels, you're covered for putting the wrong fuel in your vehicle. We'll pay to fix the engine damage and drain & flush the fuel tank.*
Misfuelling cover is not provided on our Allianz Online Bronze cover level.
* You will need to pay your accidental damage excess, this amount is shown in your documents.
Allianz Online Gold
With our Allianz Online Gold cover level, Guaranteed Hire Car is included as standard which will cover repairs, theft and write off. You'll receive a small 3-door hatchback while your car is being repaired.
Allianz Online Silver
With our Allianz Online Silver cover level, Guaranteed Hire Car is included as standard for when your car is being repaired. You'll receive a small 3-door hatchback. With this cover level you can also add Guaranteed Hire Car for theft and write off as an optional extra.
Allianz Online Bronze
Our Allianz Online Bronze cover level does not include Guaranteed Hire Car. However, you can add Guaranteed Hire Car as an optional extra which will cover repairs, theft and write off.
You'll receive a small 3-door hatchback for the duration of repairs or if your vehicle is written off or stolen and not recovered. You'll receive one for 21 days or four days from the date of 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 Allianz 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.
With our Allianz Online Gold and Silver cover levels, new car replacement is included.
We'll look to replace your car with a new one if it's written off following a claim, 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 documents of insurance in your Allianz account.
If you have our Allianz Online Bronze cover level, new car replacement is not included.
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 our Allianz Online Gold cover level, and can be added to our Allianz Online Silver and Bronze policies as an optional extra. If you would like to add this cover to your Silver or Bronze policy, log in to your Allianz account.
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 Online Gold, Silver or Bronze cover level.
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 Allianz 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.
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 (now Allianz Online Bronze) before 16 January 2025, you won’t see personal accident cover included in your documents, but rest assured we’ve got you covered.
You’ll find your certificate of motor insurance in your Allianz account. Once you’ve logged in, select ‘Documents’ and you’ll see it in your Welcome Pack.
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 in to your Allianz 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 Allianz 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 Online Gold or Silver 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.
Policyholders that have our Allianz Online Bronze cover level do not have cover for driving other cars.
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.
If you're making a change to your policy and would also like to review your cover level options, you'll be given the option to upgrade or downgrade your cover when making a change to your policy (if eligible).
Simply select 'Your car, make changes' in your Allianz account, make any changes you need to and we'll display the price change (if applicable) to your changes and display your cover level options.
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 Allianz account.
It’s always worth comparing the different cover levels we offer, to make sure you’re choosing the one for you.
Is car insurance more expensive or cheaper for electric cars? The short answer is… it depends.
Whether it's a hybrid, plug-in hybrid or fully electric vehicle, where you’ll find your cheapest car insurance quote can depend on a lot of things.
Just like petrol and diesel cars, the amount you pay to insure your electric car can go up or down depending on your job, where you live, your age, and so on.
Then there’s the question of when and how far you’re likely to drive, etc. These things all affect your insurance premium, regardless of the type of car.
The car’s value is important, too, as this determines how much it could cost to fix. Generally speaking, a more expensive car costs more to insure than a cheaper car. For example, the insurance on a small city EV would generally be less than a large petrol SUV. Just as a reliable, pre-owned 3-door diesel is probably cheaper to insure than a brand-new, high-end Tesla. It’s the same principle, whether it’s a petrol, diesel or electric car.
Interested in car insurance pricing? Find out how your car insurance premium is calculated.
Fully electric: These cars, like the name suggests, are fully electric and powered entirely by their battery. So, they don’t use fossil fuels. With no need for gears or any kind of engine, fully electric cars are known for their clean, smooth ride and instant acceleration.
Hybrid: Hybrid is a fancy word for crossing one thing with another, in other words a mix of things or a fusion. With a hybrid electric vehicle (HEV) it means the car has both an electric battery and a petrol or diesel engine. In terms of the difference between hybrid and electric cars, the main thing is that hybrids are ‘self- charging’ meaning the engine charges the battery as it goes. So, they still rely on fuel for their electric power and you can’t plug them in.
Plug-in hybrid: While a plug-in hybrid (PHEV) still has an electric battery as well as a petrol or diesel engine, there’s one key difference that sets it apart from other hybrids. You plug it in! PHEVs can still recharge themselves when you’re driving but you also get to top up the battery overnight, for example, by plugging in. How the car’s powered depends on the model, but they typically use up their electric power then switch to the engine when the battery runs low.
A modification is defined as any change made to a car that alters it from the standard manufacturer or factory specifications. These changes range from cosmetic changes (alloy wheels) to practical enhancements (parking sensors).
It’s important to know the difference between an optional extra added to the car on ‘the factory floor’ and modifications which are made after the car leaves the factory.
Optional Extras added by the manufacturer are not considered modifications, but changes made afterwards are, so they may affect your insurance.
We’ll cover:
We won’t cover any other types of modifications, including (but not limited to):
So, before you customise your car, make sure any changes won’t stop your vehicle from being road legal, and won’t invalidate your insurance.
Optional extras added and approved by the manufacturer, in the manufacturer’s factory, are unlikely to affect your insurance.
Any modifications made to your car once it’s left the manufacturer could impact your insurance.
So, before you customise your car, make sure the changes are road legal and don’t invalidate your car insurance.
Yes. Before making any changes to your car, you’ll need to let your insurer know your plans.
This is because some modifications make your car more powerful, which could increase the risk of having an accident, while others will increase the cost of your insurance due to the cost of repairing or replacing them.
You’re also at risk of faulty parts or unreliable fitting, as it’s been done outside of the manufacturer, so always let your insurer know so they can assess whether your insurance will be affected.
Yes, side skirts are considered a modification as they’re added after the car has left the factory floor, and alter the original design and aerodynamic characteristics of the vehicle.
Yes, decals are generally considered a cosmetic modification to a vehicle. Unlike mechanical or performance modifications, they mainly alter the appearance of the vehicle for personalisation or branding purposes.
Decals are usually made from thicker, more durable vinyl which means they’re larger and more complex to attach and align, which could pose a potential danger.
Yes, so if you add a tint, it must remain within the legal limits. If your tinted windows are too dark, and they could be considered illegal.
The law states that the front side windows must let at least 70% of light through, while the windscreen must let at least 75% of light through. Cars first used before 1 April 1985 need to let 70% of light through both the windscreen and front side windows.
Yes, a PPF is a transparent, durable film applied to the exterior surfaces of a vehicle to protect the paint from damage and is considered a modification because it can heavily impact repair costs to a damaged car.
We take things like dashcams, locking devices, immobilisers and parking sensors into account when calculating your car insurance price, so make sure you let us know.
Generally, safety and security features (like locking devices, immobilisers and dashcams) reduce the risk of accident or theft, so, they could make your premium cheaper.
Remember, if your insurer doesn’t know about a car modification you’ve made (or intend to make), they may not be able to help when you need to make a claim.
