Need to claim? Our claims-only call centres are there, day or night. Visit our claims page.

Manage your cover when it suits you. Log in to your account and make changes 24/7.

Digital self-service and paperless documents mean more savings for you.

For as long as you own the car - when using our recommended repairer service (labour, not parts).

We're flexible. Make changes, whenever, with no mid-term adjustment fees. 
 
Defaqto has given our Allianz Online Gold and Allianz Online Silver cover levels 5 stars - their highest rating.
Thanks to all of you who've rated us on Trustpilot - 4.5 stars out of 5 is excellent!
  • Any drivers who aren't named on the policy.
  • Damage to any car you're driving that's not the car you've insured with us.
  • If the car is stolen when the keys are left in, or near the car, the engine was running or it was left unlocked.
  • Mechanical or electrical breakdown.
  • Any vehicle that's already been classified as a Category A or Category B write-off.

You can view your documents in your online account. Request these and other documents in braille, large print or audio format by emailing us.
 
As we're regularly updating our products please refer to the documents in your online account for the terms of cover that applies to your policy.
Motor legal expenses
Motor legal expenses

£25.99

Get up to £100,000 to reclaim any uninsured losses after an accident that wasn't your fault.

  • Keep 100% of your personal injury claim compensation (without this add-on, your solicitor may deduct their fees from the amount you receive).
  • Recover any lost earnings if you're unable to work.
  • Defend a motoring prosecution following an incident while you were using your car.
 Bronze tier: Add as an optional extra.
 
 Silver tier: Add as an optional extra.
 
 Gold tier: Included as standard.

Start a new car quote and choose your optional extras on the quote page.

To add to your existing Allianz Online policy, log in to your account, select your policy and hit the 'make changes' button.

Guaranteed hire car

From £6.90

Get a hire car if yours is stolen, written off, or being repaired by our recommended repairers.

  • Get a hire car for the whole time yours is in the garage.
  • There's no need to organise emergency insurance – we insure the hire car with comprehensive cover.
  • If your car's stolen or written off, you’ll get a hire car for up to 21 days or up to 4 days after we've paid your claim – whichever's soonest.
 Bronze tier: Available to add to your policy for £19.90.
 
 Silver tier: Included while your car is being repaired. Add to your policy for £6.90 to cover you if your car's stolen or written off.
 
 Gold tier: Included as standard.

Start a new car quote and choose your optional extras on the quote page.

To add to your existing Allianz Online policy, log in to your account, select your policy and hit the 'make changes' button.

Protected no claims discount (PNCD)

Price varies

Any no claim discount (NCD) you've built up over the years is protected – no matter how many claims you make.

  • If you've earned 4 or more years’ NCD (and it’s not affected by a claim) you can protect it for the life of your policy.
  • This means if you make any new claims, you won't lose your NCD.*
  • You’ll benefit from your NCD year after year.

*Your discount's protected, but your premium may still be affected, for example after an accident or claim.

Start a new car quote and choose your optional extras on the quote page.

To add to your existing Allianz Online policy, log in to your account, select your policy and hit the 'make changes' button.

Breakdown cover

Starts from £31 a year

Choose from our 3 levels of cover:

  • Local: We’ll cover local recovery up to 10 miles from where you broke down (as long as you’ve broken down more than 1/4 mile away from home).
  • National: If we can’t fix your car on the spot (or at home), we’ll sort recovery for you and your passengers to anywhere in the UK.
  • European: You'll get everything from our National cover, plus we're on hand in Europe too.

Start a new car quote and choose your optional extras on the quote page.

To add to your existing Allianz Online policy:

  1. log in to your account.
  2. Select your car and hit the 'make changes' button.
  3. Select 'Edit car and cover'.
  4. Select 'Breakdown cover'.
  5. Under 'Do you want to add breakdown cover?' Select 'Yes please'.
  6. Click 'Next' and enter your start date for the changes to take place.

Our handy comparison table will help you decide which type of car insurance is right for you.

For car insurance, Defaqto has given our Allianz Online Gold and Silver cover levels 5 stars – their highest rating.

We're rated excellent on Trustpilot with 4.5 stars out of 5. Thanks to our customers!

You're in complete control of your Allianz account, so you can make changes, update or check on your policy, 24/7.

If you have any Allianz Online car insurance related queries, or need to tell us about a technical difficulty,  please email us at: [email protected].

To help us find your policy, please include with your full name, postcode, and vehicle registration. This will help us locate your policy. 

Sometimes it can take us a little longer. Don’t worry, we’re probably just a little busier than usual. Please don’t email again if you’re waiting for a reply, as this can delay us getting back to you and other customers.

However, if you need to make a claim, we want to be there for you in person. So,  give our claims team a call – head over to our car insurance contact us page to get in touch.

You'll receive a small 3-door hatchback for the duration of repairs.

If your vehicle is written off or stolen and not recovered, you'll receive one for 21 days, or four days from the date the claim payout is made (whichever is sooner). 

Not sure if you’re covered? Log in to your Allianz account to check your policy.

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.

Policyholders that have our AllianzOnline Gold or Allianz Online 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. 

With our Allianz Online Gold and Allianz Online 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.

Yes. Please make sure the correct legal owner (who has a financial interest in the vehicle) is named on your policy e.g. lease company/company car/policyholder.

Comprehensive car insurance:

  • Covers damage to your car and third-party property if you’re involved in an accident.
  • You can usually claim even if you’re at fault, or if the other driver can’t be identified. You’ll normally pay your policy excess.
  • Often includes more benefits than other cover levels. However, things like breakdown cover or legal expenses aren’t usually included as standard.


Third party, fire and theft:

  • Mid-level cover: more than third party only, less than comprehensive.
  • Covers damage you cause to other people and their property.
  • Also covers your car for fire, theft and attempted theft.
  • Does not cover damage to your car after an accident you cause.


Third party only:

  • Minimum cover required by law and usually the cheapest.
  • Covers damage you cause to other people and their property, and injuries to others.
  • Does not cover injuries to you or damage to your own car.

 

Comprehensive cover is what most drivers choose. Some products, including Allianz Online Car Insurance, don’t offer third party, fire and theft or third party only.

Allianz is one of the UK’s largest general insurers and part of a global network serving 128 million customers in over 70 countries.*

Thanks to our expert team of over 150,000 employees and 120,000 agents and brokers worldwide, we've reached our highest brand value in our 135-year history – and remained the world’s #1 insurance brand for 7 years running.

We’re proud to be the Worldwide Insurance Partner of the Olympic and Paralympic Movements from 2021 to 2028.

* Including non-consolidated entities with Allianz customers. Updated 13 March 2026 (release of the 2025 Annual Reports).