Car Insurance Claims | Allianz Australia (2024)

You don’t need to arrange any repair or replacement quotes prior to talking to us. When you lodge your claim one of our consultants will walk you through the assessment process. They'll advise you of the next steps in the claims process.

An excess is the amount you'll need to contribute towards a claim. All applicable excesses for Allianz Comprehensive or Third Party Property Damage Car Insurance are shown in your policy documentation. Where you or the driver of your car are involved in an accident and are deemed to be not at fault and you can provide us with the responsible party’s details, you may not have to pay an excess.Refer to your PDS for more information.

Our claims team will always advise you when you'll need to pay an excess and how it can be paid. If you're unsure about your claim, or have any queries about our claims process, contact our claims team on 13 10 13.

Charging an excess helps to keep the costs of premiums down by reducing the number of small claims. The amount and type of excess you have to pay will be shown in your policy documentation. For full details of conditions and exclusions, refer to your policy documentation or the relevant PDS.

If you have Allianz Comprehensive Car Insurance:

  • Contact police / ambulance if people are injured.
  • Get the name, address, phone number, email address, licence number, and insurer of other drivers involved.
  • Record the registration numbers and make and model of the vehicles involved.
  • Try to get names, addresses, phone numbers and email addresses of witnesses.
  • Where possible try to get photos of any damages caused and vehicles involved where it’s safe to do so.
  • If your car isn't driveable, call us and if you have comprehensive car insurance we’ll arrange for it to be towed somewhere safe and cover the reasonable costs of towing and storage. Make sure you have the address details so that you can let us know where your car is located.
  • Report that your vehicle has been stolen to the police as soon as possible and record the police report number when it is issued to you.
  • Once the Police have been notified,if you have Allianz Comprehensive Car Insurance submit a claim online, or call our claims department on13 10 13and one of our friendly consultants will take you through the claims process.

If you have Allianz Comprehensive Car Insurance and your car is repairable, you can choose your own repairer, or you can use one of our selected repairers1.We may authorise repairs, pay you reasonable repair costs or the car's agreed value, or replace your new car where policy conditions are met.

For help finding a repairer, start your claim online, or call us on 13 10 13 and one of our friendly claims service consultants will take you through the claims process.

Once you’ve lodged an Allianz Comprehensive Car Insurance claim and you have a repairer, we’ll work with you and the repairer to help get you back on the road as soon as possible.Once repairs are complete, your repairer will contact you to collect your car.

Notify us of the incident by lodging your claim online or calling us on 13 10 13 and we will be able to advise you of the next steps. Please ensure you have the details of the person making the claim, your car details and the details of the accident.

If the damage was the fault of another person, you should contact their insurer for further details. You should call us if you're ever not sure whether you were at fault. Contact us on 13 10 13 and one of our friendly claims consultants will discuss this with you.

Car Insurance Claims | Allianz Australia (2024)

FAQs

How does car insurance claim work in Australia? ›

To make a claim, you have to meet the terms and conditions of your policy. If your accident involved another car, your insurer may ask for details of the other driver, including: contact details (name, address, phone number) drivers licence and car registration.

What is the most common car insurance claim in Australia? ›

Car claims data compiled by QBE Personal Lines claims for car insurance in 20211 (from 1 January to 31 Oct 2021), reveals the top 3 car claims: Vehicle collision. Windscreen damage. Storm or hail damage.

What is the time limit for car insurance claims in Australia? ›

Is There a Time Limit on Car Insurance Claims?
State/RegionClaim DurationSpecial Conditions
NSW3 monthsBack pay entitlement if claimed within 28 days
Vic12 monthsExceptions up to 3 years with TAC approval
Qld9 months1 month if managed by a solicitor
SA6 monthsClaim ASAP if vehicle unidentified/unregistered
4 more rows
Dec 8, 2023

How long does an insurance company have to settle a claim in Australia? ›

The General Insurance Code of Practice provides the above information as a stipulation for timeframes. Insurance companies have up to 45 days to respond or resolve a dispute or complain from the time you informed them of it. Once the 45 days elapse, you can file a complaint with AFCA.

What is the law on car insurance in Australia? ›

Every Aussie car owner needs to hold compulsory third party insurance (CTP). This is the only type of mandatory car insurance, and is intended to cover your personal liability costs (for medical care and legal fees) if you injure other road users, be they drivers, cyclists or pedestrians.

What to do if you have a car accident in Australia? ›

Calmly check to see if anyone is injured or could be injured. Call the police and ambulance on triple zero (000) if someone has been hurt. If there's major damage to either vehicle, or if you're blocking the road, you'll need police assistance too. Move to safety.

Why is car insurance so expensive in Australia? ›

"Currently motor vehicle premium prices are rising because of the increasing value of motor vehicles making them more costly to replace, inflation and supply chain issues driving up repair labour costs and the price of motor parts, and the increasing cost of capital for insurers driven by ongoing extreme weather events ...

What is the number one cause of car accidents in Australia? ›

Speeding Accidents

Speeding is the number 1 cause of fatal road accidents in Australia.

Is car insurance worth it in Australia? ›

Getting the best deal on car insurance

Comprehensive insurance can save you money if you can't afford to pay for repairs (to your or someone else's car) or live without your car. Third party property, fire and theft insurance might suit you if you park on the street. It will save you money if your car gets stolen.

How much do premiums increase after a claim in Australia? ›

How much does car insurance increase after a claim? Although the amount will depend on who's to blame, the severity of the accident, and your own driving record, you should expect your car insurance to increase by about 20-50% after making a claim.

How long after a car accident can you sue Australia? ›

The time limit to start a court case for damages and losses resulting from a car accident is six years from the date of the accident.

What is the statute of limitations on insurance in Australia? ›

The statutory limitation period for breach of contract is 6 years from the date the cause of action arises.

What happens if a claim is taking too long? ›

If your insurance company continues to delay your claim (or denies it) without a valid reason, they may be acting in bad faith, and you may need to hire an attorney who sues insurance companies.

What happens if insurance doesn't want to settle? ›

When an insurance company refuses to settle, it may be liable for the full amount of the excess judgment after trial, notwithstanding the lower policy limits. This duty of good faith aligns the insurance company's incentives with those of its insured.

Why is a car claim taking so long? ›

Reason #1: Evidence Must Be Collected

You establish this through evidence. Collecting all the evidence you need to prove your case could take a long time. However, if you obtain the necessary evidence, you will have a stronger case to help you obtain the maximum recovery in your settlement.

Does your insurance go up after a claim that is not your fault? ›

Under California law, an insurer cannot increase your premiums when you aren't at fault.

What to do if someone scratches your car while parked in Australia? ›

  1. Take photos of the damage. It's important that you properly document the extent of the damage with clear photographs or videos. ...
  2. Determine if your car is driveable. ...
  3. Leave a note if the owner is absent. ...
  4. Report the accident to the police, if required. ...
  5. Contact your insurance company.
May 29, 2023

Do insurance companies share claims history Australia? ›

The IRS data registry enables insurers to share claims data with other insurers, as permitted in their privacy policy and in compliance with the Australian Privacy Principles.

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