Allianz car insurance FAQs

As long as you haven't given up driving permanently or had your licence revoked then we don't need to know. Just make sure to follow your doctors advice if they tell you not to drive for a short while.

Yes. You need to tell us about any change in occupation including if you’ve become unemployed or now have a second job. This also applies to other drivers on your policy and when you’re approaching your renewal date. We’ll update your policy and your premium will not be affected until renewal.

To change your name, please contact us.

We understand this is a difficult time, so contact us when you're ready and we'll talk you through the different options available.

It's unlikely we'll need any documents from you so please don't send anything to us at this stage.

When you call us we'll ask you for the policy information including:

• Details of the person that has passed away
• The vehicle registration number
• Your postcode, address and contact number

Adding a driver to an existing policy shouldn’t be a problem, as long as the car’s insured by us. Log in or register your Allianz account and you should be able to make the change yourself.

You can also call us or use Live Chat but there'd be £15 admin fee for each change to your policy.

To add a driver, you'll need to tell us their:

Full name

Date of birth

Main occupation

Driving licence number OR:

Licence type (Full/Provisional), the year they got it and if it's for UK/EU/other

You'll also need to tell us about:

Motoring convictions in the last 5 years (month, year, offence code, disqualification period)

Accidents or claims in the last 5 years (month, year, claim type e.g. fault, partial fault, non-fault.

It's important you know that we reserve the right to cancel your policy if you make too many changes throughout the life of your policy.

You also have to be absolutely clear with us about who drives the car most often. You mustn't state that you're the main driver when someone else named on the policy actually drives the car more frequently – this is a type of insurance fraud known as ‘fronting’.

Whoever drives the car the most often is the ‘main driver’ – anyone else on the policy is a ‘named driver.’ If you’re not honest about this, you’re committing fraud, which could invalidate your insurance and mean we may not pay out if you make a claim.

Unfortunately we don't accept payment by cheque for car insurance. You can pay by:

credit or debit card

annual or monthly direct debit (depending on your circumstances)

Direct Debits must be set up from the main policyholder's account or a joint account in their name.

Payments can't be made from a partner's account.

When renewing your car insurance, you'll be able to change how you want to pay.

It's easy to change your credit card or Direct Debit (if available) when you renew your policy online.

All the information you enter into our website is protected using encryption technology. Depending on the card you have chosen to use, you may be asked to provide a secure password by your bank, MasterCard Secure Code or Verified by Visa, which gives you extra protection from online fraud.

We use a secure process for all card payments. When a payment is processed we receive a unique transaction code and an extract of your card number from our payment processor, which we store as a record of the transaction.

We do not accept the following payment methods:

• Diners Club cards
• American Express cards
• Corporate cards
• Business cards
• Pre-paid cards

We accept all other major credit/debit cards.

To make a change or discuss your payment, please get in touch.

You can cancel your insurance policy at any time. If you decide to cancel before your start date then you won’t be charged anything and you won’t have to pay a fee.

Once your cover begins, you have 14 days to check you’re happy with your policy before a cancellation fee would come into effect. If you want to cancel, just let us know and we’ll refund any money you’ve paid minus a charge for the time you’ve been insured with us. If you cancel after the first 14 days, we’ll also charge a fee of £40.

If you’ve made a claim you won’t be due a refund and, if you pay monthly, you’ll still have to pay the full balance of your annual premium.

If you change your vehicle, add or remove a driver or remove a car from your Multi Car policy, we charge a £15 admin fee.

You'll still receive your online discount if you pay over the phone, as long as no changes are needed to your quote.

Complete your car insurance quote online and get a 5% discount (excludes optional extras).

Once you've received your renewal documents by post or email and you're happy everything's correct, it's quick and easy to renew your car insurance online.

If you need to make any changes to your policy, we'll need you to get in touch.

If you need to change your level of cover when you renew, here's how you can get in touch.

The ‘current price’ on your renewal documents may differ from what you paid last year. This is because the figure includes any changes made during the year, so you can compare like-for-like prices.

You're only covered to drive a hire car under section 1b of your motor policy if your vehicle, insured on a policy with Allianz, is in a garage for repair, service or MOT and the garage has supplied you the hire car. You're not covered under your Allianz policy if you simply hire another vehicle.

If it shows cover for Driving Other Cars on your policy documents, we'll cover you so you're legally allowed to drive someone else's privately owned car, even if you aren't named on their car insurance. This type of cover is referred to as Third Party Only.

This means if you're involved in an accident that's your fault, our policy will cover any damage you may cause to a third party or their property, but we won't cover the car you're driving at all. The owner won't be able to claim for the damage you caused to their car under their own policy either, as you're not named on their insurance.

Whether you’re covered or not, by law the owner still needs to make sure they’ve insured the car to avoid any issues with the police.

As the cover is minimal it's only meant to be used on rare occasions or in emergencies, if you'll be driving someone else’s car on a regular basis, you should get yourself added to their car insurance.  

If you can't find your Allianz insurance documents:

Just log in or register for an Allianz account.

Guaranteed hire car cover doesn't come as standard with our car insurance, but you can add it to your policy any time - just check out our optional extras. Check your insurance documents to see if you're covered. 

Want to add guaranteed hire car cover to an existing policy? Contact us now.

We'll provide comprehensive cover for a garage's courtesy car while yours is being serviced.

Towing with your vehicle in an EU country?

You should check if you need to register your trailer or caravan before towing it abroad.

Driving in an EU country?

If you’re driving to a European Union country, you no longer need to carry a green card for your car, motorbike or van. This also applies to Andorra, Bosnia and Herzegovina, Gibraltar, Iceland, Liechtenstein, Monaco, Montenegro, Norway, Republic of Ireland, San Marino, Serbia, Switzerland, or the Vatican.

If you’re travelling to Albania, Morocco, or Turkey, you'll need to get in touch with us. If you’re towing, please have the details of the caravan or trailer to hand.

You may also need an international driving permit (IDP) to drive in some EU countries and Norway if you have:

• A paper driving licence

• A licence issued in Gibraltar, Guernsey, Jersey or the Isle of Man

You can check with the Post Office or embassy of the country you’ll be driving in. Find out more about international driving permits.

It’s a good idea to take your car insurance policy documents and vehicle log book (V5C) with you if you travel to the EU. Having your Certificate of Insurance and other documents, including any lease documents if you lease your car may help if you experience any problems while driving abroad.

With Allianz car insurance, we can insure some cars that have had changes or modifications to their standard specifications. The easiest way to find out if we can cover your vehicle is to get a quote.

Let us know what changes have been made to your car by answering 'Yes' to this question: Has your car been changed in any way from the manufacturer's standard specification?

You'll be given a list of changes to choose from, including things like engine remapping, body work changes and additional security features.

Do I have to let you know if I have a towbar fitted?

You will have to let us know if you have a towbar fitted. With Allianz car insurance, you can insure some cars that have had changes or modifications to their standard specifications, including towbars. The easiest way to find out if we can cover your vehicle is to get a quote.

Let us know what changes have been made to your car by answering 'Yes' to this question: Has your car been changed in any way from the manufacturer's standard specification?

You'll be given a list of changes to choose from, including things like towbars, body work changes and additional security features.

If you're already insured with us and you've had a towbar fitted, please get in touch to let us know.

Do I have to tell you about any over the air updates?

Over the air (OTA) monthly updates are covered as standard. However, if you, or the previous owner pay for an additional performance upgrade that affects speed or acceleration you must let us know. Don't worry, you'll only need to let us know once and not everytime you upgrade.

Do I have to tell you about a sticker on my car?

If you have a sticker on your window – for example, a ‘baby on board’ sign – you don’t need to let us know. If there are any changes to the paintwork or decals on the car, then you’ll need to let us know.

If you’re filling out the quote form, just select ‘paintwork’ under the question about changes to your car's standard specification. If you’re already insured with us and have a question about paintwork or stickers, please get in touch.

Accidental damage cover pays for repairs if your car or property is damaged in an accident. It’s automatically included with our comprehensive car insurance policies.

When you insure your car with Allianz comprehensive insurance, as well as being covered to drive anywhere in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands, you also have the same level of cover to drive in the European Union, and other countries that follow EU directives.

Here's a complete list of countries you can drive in:

Andorra, Austria,

Belgium, Bosnia-Herzegovina, Bulgaria,

Canary Islands, Croatia, Cyprus, Czech Republic,

Denmark, Estonia, Finland, France,

Germany, Gibraltar, Greece,

Hungary, Iceland, Italy,

Latvia, Liechtenstein, Lithuania, Luxembourg,

Malta, Monaco, Montenegro,

Netherlands, Norway,

Poland, Portugal, Romania,

San Marino, Serbia , Slovak Republic, Slovenia, Spain, Sweden, Switzerland,

Vatican State.

We can also insure you in the following countries if you ask us beforehand:

Albania, Morocco, Turkey.

We can't insure you to drive in these countries:

Azerbaijan, Belarus,

Iran, Israel,

Macedonia, Moldova,

Russia, Tunisia, Ukraine.

Your cover is valid for a maximum of 180 days in your policy year. This limit doesn’t apply to any time spent in the Republic of Ireland.

If you exceed this limit, you’ll no longer be covered. Sometimes there can be hold ups beyond your control (at a border crossing, for example) so if you think you’ll need to extend your cover, please let us know. It’s important to plan ahead.

No. If you want to borrow or rent a vehicle, you need to arrange insurance separately. Green Cards don't cover this either.

Our comprehensive car insurance covers you in the EU (and the other countries mentioned) in exactly the same way as it does in the UK for up to 180 days.

The Republic of Ireland is still within our Territorial Limits and you are covered as normal, the 180 days foreign use limit does not apply.

For customers living in Northern Ireland wishing to swap to a Republic of Ireland licence, we will record this as an EU licence, just let us know and we’ll update your policy.

If you have Allianz car insurance please contact our claims team.

If your car is safe to drive you can continue with your journey and if your policy documents show you have Foreign use we'll arrange for it to be repaired when you get home.

If your car isn't driveable the local police often arrange to move your car. If they don't, you can arrange to take it to a nearby garage. You'll need to pay for this so keep any receipts and if your schedule shows you have Foreign use we'll pay you back.

It's best to contact us first.

If you leave your car somewhere, don't forget to take all your belongings with you.

We'll deal with your claim as quickly as we can, but accidents abroad can often take longer to sort out than if you were in the UK because we use agents and claims are dealt with differently overseas.

If you have European cover (shown as ‘Foreign Use’ on your policy schedule), you’re all set to go with cover for up to 180 days.

You'll need to take a physical copy of your insurance documents including:

Your Certificate of Insurance to prove what cover you have

Your proof of vehicle ownership (V5C) or similar documents if you lease a car

An International Driving Permit (if you need one)

If you'll be towing, you’ll need to register your caravan/trailer

You might need an International Driving Permit (IDP) to drive in some EU countries and Norway if you have either:

A paper driving licence

A licence issued in Gibraltar, Guernsey, Jersey or the Isle of Man

Check online to see if you need an IDP or ask at your local Post Office.

We’ll still cover you if you have an EU licence. For customers living in Northern Ireland who’d like to swap to a Republic of Ireland licence, we’ll record this as an EU licence. Just let us know and we’ll update your policy.

You can drive your car in most EU countries now without a green card. Only Albania, Morocco and Turkey require them as standard.

If you're towing, you may still need to carry one for your caravan or trailer. Before you travel, check out our information on green cards and driving to the EU.

You may need to display a country of origin sticker on your car.

There are a few more things to do before visiting the EU, like checking your passport and any travel advice for the countries you’ll be driving in or maybe arranging travel insurance.

Bon voyage!

We offer two types of car insurance: Comprehensive and Third party, fire and theft.

Third party cover is the minimum legal requirement in the UK and most EU countries. Our Third party, fire and theft insurance covers your car if it’s damaged by fire or stolen and not recovered. If you’re involved in an accident that was your fault, it covers damage or injury you cause to other people and their vehicle/property but doesn’t cover damage to your car.

Most people go for our comprehensive cover. In fact, if your car’s under six years old, then it’s your only option. Comprehensive means your insurance covers vandalism and damage caused to your car in an accident as well as damage caused to another vehicle and/or injury to its driver. It also covers your car if it's damaged by fire or stolen and not recovered.

We insure most makes and models of vans  – head over to our van insurance page to find out more.

Although we don’t provide specific cover for caravans or trailers, our car (or van) insurance does cover damage caused to other people or their property when you’re towing one.

Here are some of the benefits of our comprehensive car insurance:

Accidental damage cover - Scratched or dented your car? We pay for repairs so it's good as new.

Uninsured driver promise - If the other driver's not insured and you have to claim, you keep your no claim discount and there's no excess to pay, as long as you have the other driver's details.

Vandalism promise - If your car’s damaged by vandalism, you won't lose your no claim discount. You'll need to report the incident to the police, give us the crime reference number and pay the excess.

Lifetime guarantee on repairs when using our recommended repairer service for as long as you own the vehicle (labour only, excludes parts).

Personal accident cover - £10,000 cover if any named driver(s) are injured.

Personal belongings cover - £300 cover for loss or damage to things in your car, like clothes, your bag or mobile phone.

A new-for-old car replacement - If your car’s written off and it’s less than 12 months old, we replace it with a brand new one.

Wrong fuel - Damage caused by using wrong fuel – if you’ve accidentally started your car after using the wrong fuel, we’ll pay to fix the resulting damage to the engine and drain & flush the fuel tank. You’ll just have to pay your excess. We’ll agree with you how best to arrange repair - if you’ve already made arrangements we’ll only consider payment if you provide us with receipts for the work.

To make a claim for misfuelling, please get in touch.

Have a look at your policy documents for a full list of the cover benefits.

Guaranteed hire car cover doesn't come as standard with our car insurance, but you can add it to your policy anytime. Check your policy documents to see if you're covered already or find out more about optional extras.

Personal accident cover protects you in the event of a serious injury while travelling in, or getting in or out of your car.

Our comprehensive car insurance comes with £10,000 personal accident cover for you, your partner or a named driver on the policy if the injury results in:

Permanent or total loss of sight in one or both eyes

Permanent or total loss of hearing in one or both ears

Permanent loss of any limb above the wrist or ankle

Permanent loss of use of any limb above the wrist or ankle

Permanent, total disablement; or

Death

You’ll find a more detailed description and more information about personal accident cover in our car insurance policy document.

Optional: Extended Personal Accident Cover

With our comprehensive cover, you have the option to increase your personal accident cover from the standard £10,000 included on our comprehensive policies, to £100,000 per eligible person.

With this, you’ll benefit from an additional cash payment if you, your partner or a named driver are admitted to hospital or suffer broken bones as a result of an accident in the car.

You can also get help with recovery with physio and mental health sessions. 

Pick and choose from our optional extras to enhance your cover so it’s just right.

Breakdown cover from Britannia Rescue.

£100,000 personal accident cover to cover you, your partner and named drivers for serious injury when using your car.

Up to £100,000 Motor legal expenses.

Option to protect your no claim discount for the life of your policy.

Guaranteed hire car while your car's being repaired, with the option to upgrade to a similar size car.

Conditions apply and some of these options aren't available for all cover levels. See our optional extras for more information or get a car insurance quote.

EV charging accessories: With Allianz electric comprehensive car insurance, we'll cover your charging cables and home charging point(s) for accidental damage, fire and theft.

Pregnancy or surgery: You’re still covered if you’re pregnant or you’ve had surgery, including a caesarean or other operation. Just check with your doctor that it's safe for you to drive. If so, there's no change to your car insurance cover and you don't need let us know.

Riots: Your car insurance does include a level of cover for damage caused by riots.

With comprehensive car insurance, your car's covered against vandalism, fire or theft as a result of a riot in the UK.

With third party, fire and theft insurance, you can claim for damage to your car caused by fire or for theft resulting from a riot in the UK.

Vaccination: You’re still covered to drive immediately after a vaccination, including one for COVID-19. Allianz covers you to drive after medical treatment, such as getting holiday jabs or giving blood, as long as you’re fit to drive.

Volunteering: You're covered as standard under social use if you're volunteering in any capacity, whether it's a regular part of your life or in response to a national event.

Remember not to leave your keys in your car: We may not be able to cover you against theft if your keys are left in the car when it's stolen.

Electrical or mechanical faults: Our car policies do not cover your vehicle for mechanical or electrical issues or wear and tear. If you think your vehicle has suffered a fault, it’s best to take it to a garage.

Yes. We'll cover you to use your privately-owned vehicle to aid in a humanitarian crisis:

You're covered to transport aid around the UK and for all other volunteering purposes you need your vehicle for.

You’re covered to drive in the ‘Green Card Free Circulation Area’ at the same level as your UK cover (for the period stated in your documents). Ukraine and Russia are not in this zone.

Familiarise yourself with the regulations for the cross-border transport of goods and make sure you follow any travel advice issued by the Foreign, Commonwealth & Development Office. Please also check your policy documents carefully for any limits of cover or policy exclusions.

You don't need to let us know if you're using your car to volunteer - your cover won't be affected.

Going over your annual mileage could mean a claim is refused or your policy is cancelled. It’s important to provide accurate information when setting up your policy so we can support you if you need to claim.

If your mileage has changed or you’d like to check the amount on your policy, please get in touch and we’ll be happy to help.

A car insurance cover note is a temporary document confirming your policy while you wait for your Certificate of Insurance.

Cover notes are rarely used today, but some smaller brokers may issue them if systems are delayed.

Motoring convictions include offences such as using a mobile phone while driving or driving without insurance.

When you apply for car insurance, you’ll usually be asked to declare any convictions from the past five years. For more guidance, visit the ABI or GOV.UK.

Do I need to declare a speed awareness course?

There’s no need to declare a speed awareness course. However, you must declare any penalty points or fixed penalty notices on your licence.

Continuous Insurance Enforcement (CIE) means a car must be insured at all times unless it has been declared ‘off road’ with a Statutory Off Road Notification (SORN).

If your car is not insured and you haven’t made a SORN, you could face a DVLA penalty.

You don’t need to tell Allianz about medical conditions to insure your car. You only need to declare relevant conditions to the DVLA.

The DVLA requires you to declare conditions such as:

• Heart conditions
• Diabetes
• Epilepsy
• Fainting spells
• Glaucoma
• Sleep apnoea
• Strokes

Failing to declare could mean a fine of up to £1,000, and you may be prosecuted if you’re involved in an accident. If you’re unsure, check GOV.UK for full details.

Do I need to tell Allianz if my doctor says I shouldn’t drive?

If your doctor tells you not to drive for a period of time, there’s no need to inform us – just follow their advice.

If you choose email, your documents should arrive within 3 hours (remember to check spam or junk folders).

If the email can’t be delivered, we’ll automatically post them instead.

Posted documents usually reach you in 5 to 7 days. If you haven’t received them after 7 days, please get in touch.

I haven’t received my car insurance email confirmation, what should I do?

Check your junk or spam folder first. If the email still hasn’t arrived, please get in touch. You can also log in or set up your Allianz account to view your documents online.

Car insurance is regulated by two bodies: the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA).

You can see how Allianz is regulated on our about us page.

You can still choose printed documents even if you have an Allianz account. If you select this option at renewal, they usually reach you in 5 to 7 days.

You’ll also be able to view and download them anytime from your Allianz account.

With multi car insurance, all the cars are insured under one policy. Each car earns its own no claim discount, so a claim on one car won’t affect the discount on the others.

Only the policyholder and No Claim Discount (NCD) holder may be insured to drive other cars. Please check your insurance policy documents.

Factory fitted options aren't treated as changes to the manufacturer's standard specification. A modification is anything added or altered after the car leaves the factory.

Find out everything you need to know in our article on car modifications.

We don't cover using your car for deliveries. This includes any paid delivery work, whether that's parcels, groceries, hot food or anything else.

Unfortunately, we can’t cover you if you rent out your car for other people to use. 

We don't currently offer a discount if extra security devices are fitted.

We don't currently offer a discount for passing the Pass Plus test.

When you use our recommended repairer service, we guarantee the repairs they make for the entire time you own that vehicle. 

Yes, there are two ways to do this. You can either take out a multi car insurance policy, or you can take out two separate car insurance policies. If you choose our multi car insurance, we'll give you an extra discount and you can insure up to 6 vehicles on one policy.

Get a car insurance quote online.

If you need to add another vehicle to your policy temporarily, you'll need to contact us.

The VNUK ruling from the European Court said compulsory insurance is needed for any motor vehicle on private land the public can’t access – even tractors, farm machinery and racing cars.

This could have increased premiums in the UK, but Parliament has since passed a law to remove the requirement. If you’re an Allianz car insurance customer, your cover stays the same when you use your car on public roads or in public car parks.

To find out exactly how you're covered, the best thing to do is check your Terms and Conditions.

For more information on the removal of EU’s Vnuk ruling from UK law, visit GOV.uk.

This covers the cost of repairing  damage to your car or property, caused by an accident. It's automatically included on our comprehensive policies.

If your car's damaged in an accident, we'll replace any child car seat in your car with a new one of the same quality, even if it doesn't appear to be damaged.

Guaranteed hire car cover doesn't come as standard with our car insurance, but you can add it to your policy any time – just check out our optional extras. Check your insurance documents to see if you're covered. 

Want to add guaranteed hire car cover to an existing policy? Contact us now.

Yes, we provide comprehensive cover on the vehicle loaned from the garage.

If your car is being repaired by one of our recommended repairers, you'll receive a hire car for the duration of the repairs.

If your car's written off or stolen and not recovered, you'll receive a hire car for up to 21 days, or 4 days from the date your claim payment is made, whichever comes first.

Motor legal expenses provide cover in the event of a motor prosecution, or a court case resulting from an incident or claim. It covers uninsured losses, so things like loss of earnings and policy excess, but there needs to be more than a 50% chance of success.

There's no excess to pay and you'll be covered for up to £100,000. You'll also be provided with legal representation. Find out more about motor legal expenses.

Our optional extras can boost your cover to suit your needs. Options include:

• Breakdown cover from Britannia Rescue.
• Up to £100,000 personal accident cover for you, your partner and named drivers.
• Up to £100,000 motor legal expenses cover.
• No claim discount protection for the life of your policy.
• Guaranteed hire car while yours is being repaired, with the option to upgrade to a similar size car.

Some options may not be available on all cover levels. See our optional extras page for more information. Conditions apply.

Personal accident cover provides financial protection if you, your partner or a named driver are seriously injured while travelling in your car.

Our comprehensive policies include £10,000 cover as standard for injuries such as permanent loss of sight, hearing or limbs, total disablement, or death.

Extended Personal Accident Cover

You can upgrade to up to £100,000 cover per person, plus additional benefits such as hospital payments, broken bone cover, physiotherapy and mental health support after an accident.

No claim discount (NCD), also known as a No Claim Bonus, is a discount on your car insurance premium that your insurer may offer as a reward for not having made a claim against your policy. Typically, you earn one year of NCD for every year you don't make a claim on your car insurance.

To benefit from any potential NCD, you need to build up a claim-free driving history in your name.

New drivers won't be entitled to NCD because they've not got enough experience on the roads yet.

If you're a named driver on someone's car insurance policy, and you aren't the NCD holder, you won't be able to build up your own NCD either.

If you're thinking of insuring your car with Allianz, you may be able to bring your NCD from your previous insurer with you to reduce the overall cost of your premium.

If you haven't needed to insure a vehicle for a while, any no claim discount (NCD) you've earned in the past may still be valid.

We’re happy to honour your NCD on a new Allianz car insurance policy, provided it was earned on a previous policy within the last 2 years and from a UK based insurer.

It all depends what you're claiming for on your car insurance. For example, if you were involved in a car accident and it was your fault, you may lose any NCD you've built up over years. We'll reduce your NCD in line with our "step back" rules, which can be found in your car insurance policy document, unless you’ve protected your NCD.

If you're involved in an accident that wasn't your fault and we're able to recover the cost of paying out to you from the liable driver's insurer, your NCD won't be affected.

There are some cases where a claim won't affect your NCD. For example, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose any of your NCD.

With our multi car policy, each car earns its own NCD, so if you make a claim on one car, it won't affect the NCD on the other car(s) on the policy.

If you're eligible and choose to pay an extra premium, we can protect your NCD. That way, your discount won't be reduced even if you have to make a number of claims on your policy.

The no claim discount holder earns one year of no claim discount (NCD) for every year there are no claims on the policy. With our multi car policy, each car earns its own NCD so if you make a claim on one car, it won't affect the NCD on the other car(s) on the policy.

Your NCD eligibility is shown under the 'your insurance includes' section in your policy documents.

You can request a copy of your latest renewal notice or letter from your last insurer. So long as the date your last policy ended is within 24 months of your new policy starting, we can honour the no claim discount you've previously earned.

We won’t send proof of no claim discount if your car's still insured with us. We only send it if your policy’s expired or been cancelled.

If you recently received a renewal letter from us, it will include details of how many years NCD you've earned. Look under the 'Your insurance includes' section of your schedule to see your NCD eligibility.

No, with Allianz car insurance, windscreen claims don't affect your no claim discount.

For example, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose any of your NCD.

You can find your windscreen excess in your policy documents. Make a windscreen or glass claim.

No, unfortunately named drivers can't build up their own no claim discount. You can only earn NCD if you're the policyholder or the NCD holder on a multi car policy.

We don’t honour any no claim discount (NCD) from other countries. Your NCD must be issued by your previous UK insurer, be less than 24 months old, be in the name of the policyholder, be written in English and not currently in use on another policy.

However, we can accept NCD from other countries, so long as you earned it by driving abroad, while serving in the armed forces.

At the moment, our online quote form doesn’t let you tell us about NCD earned abroad. So, to get a quote, please contact us.

Yes, with our Allianz Car Insurance, you can transfer your NCD to your partner at any time, as long as one set of NCD is only being used on one policy/car at a time.

If you have nine or more years no claim discount (NCD), we’ll give you our maximum discount.  If you don’t make any claims with us and then move to another insurer, we’ll only be able to provide you with proof of nine years NCD.

Protected no claim discount is one of the optional extras you can add to your Allianz car insurance policy or select when you get a car quote online.

It means you get to keep any NCD you've built up – even if you claim. You just need to have earned four or more years NCD to qualify.

No matter how many claims you make, you won't lose your no claim discount, but your premium may still increase, for example following an accident or a claim.

To add Protected NCD cover to an existing policy, contact us and we'll be happy to help.

If you have comprehensive Allianz car insurance cover and the accident's not your fault, you won't lose your NCD. You just need to tell us about the other vehicle… we’ll need:

The number plate (registration number)

The make, model and colour

The driver's name and address

If you have an electric car and you've chosen to add our optional courtesy car benefit to your policy, you have the option of choosing a hybrid or electric hire car (if available) or you can choose a petrol or diesel model.

With our multi car cover, you can insure electric and non-electric vehicles under the same policy.

Find out more about multi car cover.

Our recommended repairers are fully trained to work on electric cars and follow manufacturer standards. All work they carry out also comes with a lifetime guarantee for as long as you own the car (labour, not parts).

With Allianz electric car insurance, recovery for lack of charge is included as standard, so we'll take your electric car to the nearest UK charging point.

We also have a fleet of vehicles we use in partnership with AFF the national roadside electric vehicle charging assistance company, which can recharge your vehicle and get you on the road again.

There's no excess to pay and this won't affect your no claim discount.

Our comprehensive electric car insurance covers your battery, even if it’s leased separately from the car. Please refer to your policy documents for full details.

If your vehicle is associated with a VAT registered business, you’ll need to pay the VAT on your windscreen claim. You’ll be able to claim this amount back as part of your VAT return. Our windscreen providers will ask for your business information when you contact them.

Need to make a windscreen claim? Visit our windscreen claim page for more information.

If you have a car accident, the most important thing is to make sure you’re safe. If nobody’s been hurt, stay calm and follow these steps:

• If another person or vehicle was involved, exchange details including names, addresses, phone numbers, registration numbers, makes and models.
• If the other vehicle is a lorry, note the numbers on both the cab and the trailer, along with the insurers and policy numbers.
• If the other vehicle is registered abroad, note the country and the ‘green card’ number – this helps us contact the UK representatives.
• Avoid discussing who was to blame, even if it seems obvious.
• It may help us handle your claim sooner if you provide photos from the scene or details of any CCTV cameras nearby.
• Jot down names and addresses of any witnesses and details of the police if they attended.

When you’re home safely, you’ll need to contact us. Someone else can report the claim for you, but we’ll still need to speak with you afterwards. We’ll take all the details during the initial phone call and there are no forms to complete.

We’re so sorry to hear your car’s been stolen – we know how upsetting that can be. Please report it to the police straight away by dialling 101 and asking for your local station. They’ll ask for details like your registration number, make, model and colour, and will give you a crime reference number. You’ll need that when you make a claim.

If there’s a dispute about what happened in an accident, we’ll talk to you and review any evidence, like witness statements or CCTV.

Please share as much information as you can, including witness contact details, photos, police involvement and dashcam footage.

This will help us settle your claim. We’ll keep you updated, but you can also get in touch any time.

The address to send documents related to your claim is:

FREEPOST Motor Claims

If possible, please include your policy number on any documents you send us.

Or you can email them to us at [email protected]

If your vehicle is associated with a VAT registered business, you’ll need to pay the VAT on your windscreen claim. You’ll be able to claim this amount back as part of your VAT return. Our windscreen providers will ask for your business information when you contact them.

Need to make a windscreen claim? Visit our windscreen claim page for more information.

If you have a car accident, you must report it to the police within 24 hours if

• someone was injured.
• an animal in another vehicle or running across the road is injured.
• someone else’s property was damaged.
• a bollard, street lamp or other item of street furniture was damaged.

The Ogden rate is used to calculate compensation for people seriously injured in accidents. It assumes that a payout could be invested to generate income for future care, so the expected investment return is deducted from the award.

Who sets the Ogden rate and what does a negative rate mean?

The UK government sets the rate. The Ministry of Justice decides the rate for England and Wales, while Scotland sets its own. A negative rate (for example -0.25%) increases the payout, because it assumes investments won’t grow enough to cover future care.

When you report your claim to us, you can tell your claim handler if you have video footage that can help. They'll email you a link to our Customer Video Upload page which will guide you through how to upload. We'll let you know as and when we need more information.

Your link will be valid for one week - you can use it to access the Video Upload page up to 10 times and load up to 20 video clips.

If your link expires or you reach this limit and have more footage you’d like to share, get in touch with your motor claim handler and ask for a new link.

We’ll email you a link to the Customer Video Upload page so you can use it on any device where you can access your email. We can’t send you the link by text message but, if you have your email account set up on your mobile phone, it will work there too.

If the page doesn't load when you click the link, copy the full link and paste it into your internet browser (as you would with any web address). To keep them secure, our links expire after a week, so check when it was sent and get in touch with your motor claim handler if you need a new one.

You can upload as many as 20 videos. Once you've completed your first video upload, we'll ask you to log out or add another video. Simply click 'Add Another Video' to send us more footage.

We support the file types .mkv .flv .avi .mov .mp4 .mpg .wmv .3gp .asf .swf

Each individual video file you upload can’t be any bigger than 4MB

When you're uploading a video, you'll see a blue status bar showing its progress. When the upload’s complete you'll see a green status bar confirming your video was uploaded successfully. To finish the upload and share your video with us, don't forget to click the 'finish' button!

You can only upload videos to the Customer Video Upload page. If you have photos or other files to do with your claim that you'd like to send us, please get in touch with your claim handler who'll let you know what to do.

When you report your claim to us, you can tell your claim handler if you have any photos that can help. They'll let you know what to do and send you a text message with a link where you can upload your evidence. As and when we need any more information, we'll let you know.

Your link will be valid for 5 days and you’ll be able to use it 10 times to send us any documents that may be useful.

If your link expires or you reach this limit and have more files you’d like to share, get in touch with your claim handler and ask for a new link.

We’ll send you the upload link in an SMS text message. Tip: if you want to upload your photos or files from another device, like a tablet or PC, you could send the link to your email address.

You’ll be able to use the upload link anywhere you have an internet connection.

Your usual network rates apply so it’s best to make sure you’re connected to Wi-Fi before accessing the link from a mobile device.

You won’t be able to reply to the SMS text message but if you need to tell us something to do with your claim or you’d like us to send the link to someone else, please get in touch with your claim handler.

To help us assess your claim, your images should clearly show the information your claim handler has requested; for example, if they ask for close up images of vehicle damage, the damage needs to be in focus and clearly visible.

Our photo upload portal will guide you through each step and provide examples so you know what we're looking for.

Files can’t be any bigger than 20MB.

We support these file types:

.jpeg .jpg .png

.doc .docm .docx

.html .msg .pdf .rtf

.word .xls .xlsm .xlsx .csv

.tff .tiff

A car insurance excess is the amount you have to pay yourself if you make a claim.

There are two types of excess:

Compulsory excess - this is a fixed excess, set by us, which you'll have to pay if you make a claim. The amount varies depending on your circumstances.

Voluntary excess - this is the amount you agree to pay, in addition to your compulsory excess, if you make a claim. People agree to a voluntary excess in return for a lower premium.

Here's an example to explain how it works:

Let's say your policy has a £250 excess.

You have an accident and you make a claim.

The bill to repair the damage comes to £1,000.

You pay your £250 excess towards the bill.

We cover the balance of £750 to settle the bill.

Everyone's excess is different, so to find out how much you might have to pay if you had to make a claim, please check your policy documents for more information.

If you don't use an Allianz recommended repairer for your repairs you'll need to pay an additional £200 excess and we can't offer a courtesy car (if you have this cover) or warranty on the repairs.

To find out how much your car insurance excess is, have a look at your policy documents for more information.

Log in or register for an Allianz account to find your Allianz insurance documents and a full list of the cover benefits. 

Yes, Allianz car insurance covers all glass in your car under windscreen cover. You can find your windscreen excess in your policy documents. If you don't use one of our recommended repairers, you'll need to pay an additional excess if your glass needs to be replaced.

An excess is the amount you pay towards your own repairs or claim, so you don't have to pay an excess for a third party's claim. If you don’t claim for your own damage, you don't pay an excess either.

We know it can be frustrating when waiting to get your excess back following an accident that wasn't your fault.

We'll pay you the excess back as soon as we can - but we need the third party's insurer to accept responsibility before we do. This might not always be possible or could take time. For example, the other driver could deny causing the accident or their insurer might not reply to us straight away. Whatever happens, we'll let you know.

We’ll try to recover the excess for you, so long as the incident wasn't your fault and we have the third party's details.

If your vehicle’s a total loss (or “write-off”) it means it either can’t be repaired or would cost more to repair than to replace.

Our skilled engineers will take many factors into account when assessing a vehicle including, but not limited to repair costs, structural damage and safety concerns. They’ll also consider other factors such as the market value of your vehicle, any hidden damage caused by the incident and age/mileage.

They’ll review all the damage caused by the incident and decide upon the most appropriate and safest outcome.

You’ll usually receive your payment within 3-5 working days.

If your vehicle is a Total Loss and you have the cover on your policy then Enterprise Rent a Car will provide you with a vehicle for a duration of time, in line with your policy terms and conditions.

If you already have a hire car, and you’ve signed a Credit Hire Agreement with Enterprise, please get in touch with them to discuss the return of your vehicle. This is usually within 4-7 days.

If you already have a hire car, provided by us, the hire provider will get in touch with you and let you know when you should return your hire car. This is usually up to 21 days or until 4 days after payment has been given to you; whichever is soonest.

No. If your car’s a total loss (or “written off”) you'll need to put a new car on your Allianz car insurance policy first. Our friendly team can arrange this for you if you contact them within 60 days.

If you don’t contact us your cover will be cancelled; there will not be a refund due and any outstanding annual premium will need to be paid in full. For more information please refer to your policy documents.

Garages and recovery agents charge us for each day they have your vehicle. Synetiq UK will store it for us for free. If you're not happy for us to move the vehicle we may not be able to pay any future storage costs.

If your vehicle is at a repair centre you can go and collect your belongings. If this isn’t possible or the vehicle has been collected for salvage, please call Synetiq directly on 01606 555 496 and ask for the items to be sent to you or arrange to collect them.

The DVLA will automatically process a refund of the vehicle tax for any full remaining months when you complete and return Section 9 of your V5 to them, or after you complete the transfer of ownership online at www.gov.uk/sold-bought-vehicle.

If you’re not at fault for the incident and we’ve obtained full admission of liability from the responsible party's insurers, then you will not have to pay your policy excess.

If we obtain this after we’ve sent you your settlement, we’ll send you a payment for your excess.

No. If your car’s a total loss (or “written off”) you'll need to put a new car on your Allianz Car Insurance policy first. Our friendly team can arrange this for you if you call them within 60 days.

Following a total loss claim, we'll record your insurance as a total loss on the Motor Insurers Anti Fraud and Theft Register (MIAFTR). We'll also update the Motor Insurers Database (MID) to show your original car’s no longer insured.

If you want your insurance to continue on another car please call our team within 60 days of the settlement. If you don't, your policy will be cancelled and we won't refund any premium.

We'll arrange our salvage agents, Synetiq, to collect your car. If it's at home they'll contact you to arrange this.

Please remove any personal items before it's collected, including any paperwork that could show personal information, and remove your personal data from any media units (e.g. audio, video and navigation systems). If you’ve been unable to do this, please call us as soon as possible and we'll ask Synetiq to send the items to you or arrange for you to collect them.

If your car’s not at your home address or one of our recommended repair centres, we’ll also need you to call us as soon as possible to let us know where it is.

To prevent unwanted parking tickets, speeding fines or road tax queries, you need to let the DVLA know you no longer own the car. Your registration document (V5) has a section titled 'Notification of Sale/Transfer to the Motor Trade/Insurer/Dismantler'. In the newer V5s, it’s section nine.

Fill in that section of your V5 using Synetiq's address:

SYNETIQ Limited

Bentley Moor Lane

Adwick-le-Street

Doncaster

Yorkshire

DN6 7BD

Enter 'N/A' in the space for the VAT number and 'Not present' where it asks for the signature of the motor trader. Then sign and date it, the DVLA are happy to accept this.

Detach the slip from the rest of the V5 and send only the slip to the DVLA:

DVLA

Swansea

SA99 1BD

If your car's been written off and you don't want to keep it, you'll need to send us:

The remaining sections of your V5 (registration document/logbook)

Your current MOT certificate (if your car is required to have one)

Any spare keys

If you have a personalised registration number and you want to keep it, you'll need to send the documents to the DVLA first, then on to us when you get them back.

If we know your car has a personalised registration number, we'll send you a separate letter and include a V317 form. If you're keeping the number you'll need to send the letter, completed form and documents to the DVLA.

If our letter hasn't arrived within seven working days, let us know and we'll send it again.

After 40 days your car will be sold or crushed. You'll lose the registration number if it's still recorded against it so if you intend to keep it please don't leave contacting the DVLA until it's too late.

If you don't want to keep the registration number, and have the time to let us know, please call us. If we don't hear from you within 40 days we'll assume you don't want to keep your personalised plate.

If you're abroad, you can arrange car insurance online. If you'd prefer to speak to someone, here's how you can get in touch.

We cover learner drivers who have their provisional driving licence. If you'd like to add a learner driver to your Allianz policy, please get in touch.

To add a driver, you'll need to tell us their:

Full name

Date of birth

Main occupation

Driving licence number OR:

Licence type (Full/Provisional), the year they got it and if it's for UK/EU/other

You'll also need to tell us about:

Motoring convictions in the last 5 years (month, year, offence code, disqualification period)

Accidents or claims in the last 5 years (month, year, claim type e.g. fault, partial fault, non-fault)

We don't cover e-scooters or modified road-legal e-scooters registered with the DVLA.

If we're unable to cover you, you may want to go through the British Insurance Brokers Association (BIBA) to explore alternative options and FCA authorised and regulated brokers.

You'll find all the information you need, as well as access to the 'find a broker' service, at the BIBA website: www.biba.org.uk/find-insurance.

A credit check is carried out when you apply for car insurance. This helps confirm your identity, provide a quote and decide which payment options are available (for example monthly instalments).

The search will appear on your credit report but won’t affect your credit rating. Other organisations may see that a search was carried out.

The online discount only applies to quotes you get on our website. It automatically gives you 5% off your cover (not including optional extras) and can't be added over the phone.

Start an online quote.

If a Multi Cover discount has been applied, this will be shown in the letter you received with your insurance documents.

Log in or set up your Allianz account to view your documents online.

Over 50s car insurance can be cheaper because experienced drivers often present a lower risk. If you’ve built up a safe driving record over many years, insurers may offer lower premiums compared with younger, less experienced drivers.

Pay for your car insurance by credit or debit card, and once your payment is processed, we'll issue your policy number so you're covered to drive right away.

Choose to receive your documents by email to get them almost immediately, or by post, which can take up to five working days.

To help you out, we can sometimes add a temporary car or driver to your policy – but we don't specialise in temporary insurance.

To add a temporary driver or car to your car insurance policy, please get in touch.

Your saved car insurance quotes stay valid up to the cover start date.

After that, you can still view them in your Allianz account but you won't be able to buy them.

If you need another valid price, simply generate a fresh quote.

If we've given a multi-product discount it will be confirmed in the letter you received with your insurance documents.

If you can't find your Allianz insurance documents: Just log in or register for an Allianz account.