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Comprehensive motor insurance

24/7 online claims

Claim online or call 1300 555 030 for claims service 24 hours, 7 days a week.

Rental car for up to 30 days

if your car is stolen ($100 per day limit).4

More flexibility

Choose your own repairer**

Up to 10% discount

on your first year's premium when you quote and buy a new comprehensive car insurance policy online.~~@&

Premium Plus Package customers are eligible for an ongoing premium discount when purchasing a new insurance policy through any branch or by contacting us on 13 19 87. This discount is not available online or in conjunction with other discounts. Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one discount, each of them is applied in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.

Why choose Allianz Motor Insurance through Newcastle Permanent?

Allianz Motor Insurance has a great range of features and benefits designed to suit customers with different needs. With a 24/7 online claims lodgement service, a monthly payment option3 and a choice between Comprehensive and Third Party Property Damage cover, Allianz Motor Insurance gives you the flexibility to manage your car insurance in a way that suits you.

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Comprehensive Cover

The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. It also covers your legal liability for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault.

  • Allianz's highest level of cover for your vehicle
  • Cover for fire, theft, accidents, malicious damage and legal liability costs
  • Covers your vehicle, plus damage you cause to other people's vehicles or property.

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Comprehensive Motor Insurance covers your vehicle; plus damage you cause to other people's vehicles or property.

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Comprehensive Motor Insurance isn’t mandatory in Australia but there are benefits to having it. If you choose not to take out Comprehensive Motor Insurance and you or the driver of your vehicle is at fault in an accident, you’ll be responsible for the cost of any damage to your own vehicle as well as for the damages caused to any third party property.

Some financial institutions might require you to have Comprehensive Motor Insurance if you took out a loan to purchase your vehicle.

Allianz Comprehensive Motor Insurance provides cover for accidental loss or damage to your vehicle, as well as your legal liability for the damage you cause to other people’s vehicles or property. Some examples of loss or damage to your vehicle covered by this insurance include:

  • Motor accidents such as a collision with another vehicle
  • Theft
  • Fire damage
  • Storm damage
  • Hail damage
  • Damage while your vehicle is parked.

For more information, see the relevant PDS.

If you’re driving another person’s vehicle, you should always check their insurance policy details to confirm whether you’re covered. You won’t be covered by your Allianz Comprehensive Motor Insurance policy when you’re driving someone else's vehicle.

No, Compulsory Third Party (CTP) insurance is a pivotal component of your vehicle registration, in fact you can’t register a vehicle in some states within Australia without CTP. For example in NSW, where CTP is also known as a Green Slip.  When driving your vehicle, CTP covers your liability for injuries you or other drivers of your vehicle cause to other road users in a motor accident. CTP doesn't provide cover for any damage to your vehicle or any damage you cause to other people's vehicles or property. When you purchase Comprehensive Motor Insurance, it doesn’t include CTP.

Third Party Property Damage

  • Covers your legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault
  • Approved legal liability costs
  • Your own vehicle isn't covered by this type of insurance.

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Third Party Property Damage (TPPD) Motor Insurance covers damage you cause to other people's vehicles and property while using your vehicle. This includes the cost of the damage and reasonable approved legal costs arising from a covered accident.

TPPD Motor Insurance doesn’t cover damage caused to your own vehicle, fire, theft, or injury you cause to other people.

If you want to cover your vehicle from accidental loss or damage, you might consider Comprehensive Motor Insurance.

For more information on Third Party Property Damage Motor Insurance, see the relevant PDS.

Yes, if you lodge a claim on your Third Party Property Damage Motor Insurance policy you’ll have to pay an excess. Check your policy schedule to see any applicable excesses.

Compulsory Third Party (CTP) insurance is a pivotal component of your vehicle registration, in fact you can’t register a vehicle in some states within Australia without CTP. For example in NSW, where CTP is known as a Green Slip. When driving your vehicle, CTP covers your liability for injuries you or other drivers of your vehicle cause to other road users in a motor accident. CTP insurance doesn’t provide cover for any damage to your vehicle or any damage you cause to other people’s vehicles or property. 

Allianz provides you with cover for loss or damage you cause to other people’s vehicles or property, while using your vehicle.  

Neither CTP Insurance nor Third Party Property Damage Motor Insurance covers damage to your own vehicle.

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This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

 

Comprehensive Insurance

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Third Party Property Damage

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Accidental loss of or damage to your vehicle

 ✔️ ❌

New for old replacement after a total loss will be for a vehicle of the same make, model, engine size, features and paint type if:

  • you bought your vehicle new, or as a demonstrator model, from the manufacturer or their dealer
  • your vehicle is less than two years old from its first registration at the time it’s declared a total loss
  • where relevant, your financier has given its written consent
  • a new replacement vehicle is available in Australia.
 ✔️ ❌

Legal liability cover is for loss or damage you cause to other people's cars or property and for supplementary bodily injury arising out of a single accident or a series of related events – up to $20 million

 ✔️ ✔️

Approved legal costs arising from a claim for liability covered by the policy

 ✔️ ✔️

Emergency repair costs after an accident - up to $500 for any one covered accident

 ✔️ ❌

Rental car after theft of your vehicle - $100 per day limit, up to 30 days4

 ✔️ ❌

Towing after a covered incident

 ✔️ ❌

Temporary cover on replacement vehicle – up to 14 days

 ✔️ ❌
 

Comprehensive Insurance

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Third Party Property Damage

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Trailer and caravan cover - $1,000 or market value, whichever is less.

 ✔️ ❌

Legal liability cover for a substitute vehicle.

 ✔️ ❌

Cover for personal items in your vehicle - Up to $1,000 for any one incident.

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Emergency accommodation and travel expenses after a covered accident, provided that your vehicle was more than 100 km from where it’s normally parked at night - Up to $1,000 for any one incident.

 ✔️ ❌

Transportation costs if your vehicle can’t be safely driven home after a covered accident - Up to $500 for any one incident.

 ✔️ ❌

Lock re-keying/re-coding if the keys to your vehicle are stolen - Up to $1,000 for any one incident.

 ✔️ ❌

Child seat or baby capsule replacement after an accident - Up to $500 for any one covered accident.

 ✔️ ❌

Optional covers come at an extra cost.

 

Comprehensive Insurance

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Third Party Property Damage

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Cover for tools of trade – up to $3,000 for any one incident

 ✔️ ❌

Rental car after an accident, where available - $100 per day limit, up to 30 days4

 ✔️ ❌

Basic excess removal for windscreen claims. If the broken windscreen is the only damage to your vehicle, you can get one replacement and two repairs in any period of insurance.

 ✔️ ❌
 

Comprehensive Insurance

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Third Party Property Damage

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Named driver option - optional excess

 ❌ ❌
Key Information

Website disclosure information  | Product Disclosure Statement

Car Insurance Claim Card

How to make a Motor Insurance claim

Do what you reasonably can to prevent any further loss, damage, or liability.

Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, or burglary.

Start your Motor Insurance claim online 24/7

Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps. 

Alternatively, you can contact the Claims Call Centre on 1300 555 030 to submit your claim. 

The claims consultant will help you through the motor insurance claims process. 

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Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd, arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz), acting under our own AFSL. Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), for the insurer Allianz. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available on this website, by calling 13 19 87 or from any branch. The relevant Target Market Determination is available by calling 1300 493 824. If you purchase this insurance, we will receive a commission that is a percentage of the premium.  Ask us for more details or see our Website Disclosure Information before we provide you with services.


**In certain circumstances we may agree with you to use another repairer than the one that you selected. We will act reasonably in doing so.


4We will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle.


» The links provided are to websites controlled or offered by third parties (non-Newcastle Permanent).


~~ Save up to 10%: 
[Home] When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply.
[Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
[Motor] The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz’s standard rates, excluding optional covers, and are for the first year’s premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.

@ To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.

& Minimum Premiums: Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Most discounts won’t apply below the minimum amount payable for the policy.


^Instalment Premiums If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.