Allianz car insurance 2025 detailed analysis
Author:
Kwiksure Team
Created On:
2025-12-17
Edited On:
2025-12-17
Share:
-
-
-
-
The url was copied
Each insurance company offers different car insurance coverage, so you should choose the right one. Kwiksure takes you to a deeper understanding of Allianz Auto Insurance Coverage and pricing in 2025: An analysis of the pros and cons of Allianz auto insurance to help you choose the most suitable car insurance plan.
- 【Third-Party vs. Comprehensive Insurance Comparison】 Comparing coverage, Premiums, and Claims
- 【Motorcycle Insurance 2025】The difference between triple insurance and full insurance｜Premium reference for learner license and P license｜7 factors affecting premium
- [P-License Car Insurance] P-License Insurance Guide – Third-Party vs. Comprehensive Coverage & Tips to Reduce Premiums
Allianz Car Insurance Introduction
Founded in Munich in 1890, Allianz is one of the world's largest financial services groups, operating in 78 countries and regions worldwide. The company provides global protection services in areas such as international medical and lifestyle insurance, auto insurance, roadside assistance, and travel insurance.
In the Hong Kong auto insurance market, Allianz frequently offers auto insurance discounts and also collaborates with car body and glass repair shops to provide customers with car repair discounts.
Allianz Third-Party Insurance Plan
Allianz Third-Party Insurance Plan covers death or bodily injury to a third party caused by an accident, as well as damage to other people's property, but does not include damage to the insured's own vehicle or medical expenses. In addition, Allianz provides 24-hour emergency roadside assistance and free towing services, up to HK$2,000.
|
Allianz Third-Party Insurance Coverage |
|
|
The third party dies or is injured. |
HK$100 million |
|
Third-party property loss |
HK$2 million |
|
24-hour free towing service |
✓ (Maximum HK$2,000) |
|
24-hour emergency roadside assistance |
✓ |
Allianz Car Insurance Comprehensive Insurance (Full Coverage) Plan
In addition to third-party liability insurance, Allianz's comprehensive insurance service also provides compensation for personal accidents and the insured's own vehicle. It also includes windshield and window coverage without deducting NCD and without paying "deductible"*. In addition, it provides coverage for temporary replacement vehicles, new-for-old insurance, and zero-depreciation repairs, making the overall protection quite comprehensive.
Allianz Comprehensive Insurance No-Claims Discount (NCD)
It's worth noting that Allianz's no-claims discount coverage can reach up to HK$100,000 per year. As long as the policyholder's no-claims level is 50% or 60%, and the total claims amount within a year is less than HK$100,000, the original NCD can be retained upon renewal, which is almost double the HK$50,000 to HK$60,000 offered by other insurance companies.
|
Comparison of general car insurance and Allianz comprehensive car insurance with no-claim discount coverage (private car) |
||
|
No-claim period |
General car insurance discount levels |
Allianz Discount Levels |
|
Less than a year |
0% |
0% |
|
One year |
20% |
20% |
|
For two consecutive years |
30% |
30% |
|
Three consecutive years |
40% |
40% |
|
Four consecutive years |
50% |
50% |
|
Five consecutive years or more |
60% |
60% |
|
No-claim discount protection |
HK$50,000 to HK$60,000 per year |
HK$100,000 per year |
Allianz Car Insurance Coverage and Coverage Amount
|
Third-party Insurance |
Comprehensive Insurance |
|
|
Third-party |
||
|
The third party dies or is injured. |
HK$100 million |
HK$100 million |
|
Third-party property loss |
HK$2 million |
HK$2 million |
|
Serve |
||
|
24-hour emergency roadside assistance |
✓ |
✓ |
|
24-hour free towing service |
Up to HK$2,000 |
Up to HK$2,000 |
|
Insured's own and vehicle accidents |
||
|
Damage to one's own car |
✕ |
Market value / insured amount |
|
Personal accident |
✕ |
HK$250,000 |
|
Medical expense reimbursement |
✕ |
HK$10,000 |
|
Windshield and window protection |
✕ |
HK$5,000 |
|
repair |
||
|
Trade-in guarantee |
✕ |
Within one year of the first registration |
|
Zero-depreciation parts repair |
✕ |
Within one year of the first registration |
|
Electric vehicle exclusive protection |
||
|
Comprehensive coverage of internal electric and electronic components |
✕ |
Market value / insured amount |
|
Replacement of a private electric vehicle charger |
✕ |
HK$5,000 |
|
Extended Liability Coverage for Electric Vehicle Chargers |
HK$2 million |
HK$2 million |
|
Other protections |
||
|
No-claim discount protection |
✕ |
HK$100,000 |
|
Claim recovery services |
✕ |
✓ |
|
Temporary replacement vehicle |
✕ |
HK$1,000 per day |
Allianz Third Party Coverage and Comprehensive Coverage Comparison
Example 1: Seven-seater gasoline car
For example, a 35-year-old driver with a 6-year driving history, 60% NCD, and a 2023 Toyota Sienta (insured amount of HK$250,000).
|
Insurance Company |
Third Party Insurance |
Comprehensive Insurance |
|
$1,769 |
$4,588 |
|
|
$1,601 |
$4,433 |
|
|
$2,062 |
$4,516 |
|
|
$2,028 |
$3,830 |
|
|
$1,560 |
$5,209 |
|
|
$2,038 |
$3,874 |
*The above prices are for reference only as of December 15, 2025. All information is subject to the announcements of the relevant insurance companies.
Example 2: Electric vehicle
For example, a driver who is 50 years old, has a 10-year driving license, 60% NCD, and has a BYD Seal (insured amount of HK$300,000) in 2023.
|
Insurance Company |
Third Party Insurance |
Comprehensive Insurance |
|
$5,469 |
$6,170 |
|
|
$1,896 |
$4,781 |
|
|
$2,062 |
$5,523 |
|
|
$2,887 |
$4,176 |
|
|
$1,560 |
$4,680 |
|
|
$1,825 |
$3,953 |
*The above prices are for reference only as of December 15, 2025. All information is subject to the announcements of the relevant insurance companies.
With over 25 years of professional experience, Kwiksure compares Insurance Plans from over 60 insurance companies to offer ultra-low premiums for comprehensive and third-party insurance coverage.
Allianz Car Insurance Coverage Comparison
Comprehensive auto insurance
|
Insurance Company |
Self-insurance for vehicle damage |
No-claim discount protection |
Medical expense reimbursement |
Car rental/charter guarantee |
Automotive glass |
Lost car keys |
|
✓ |
$100,000 |
$10,000 |
$1,000 per day, maximum 5 days |
Windshield/Window ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured amount |
✓ |
Free shuttle service provided |
All car windows ($3,000) |
||
|
✓ |
$60,000 or 15% of the insured amount |
$2,000 |
80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident). |
Windshield ($5,000) |
✕ |
|
|
✓ |
$60,000 or 20% of the insured amount |
$4,000 |
$4,000 per accident or per coverage period (maximum $1,000 per day) |
Windshield ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured amount |
✕ |
80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident) |
Windshield/Sunroof ($5,000) |
✕ |
|
|
✓ |
$50,000 or 15% of the insured amount |
$2,000 |
$500 / day |
Windshield (no change required) |
$2,000 |
Third-party insurance for automobiles
|
Insurance Company |
The third party dies or is injured. |
Third-party property loss |
24-hour emergency roadside assistance |
24-hour free towing |
|
$100 million |
$2 million |
✓ |
Up to $2,000 |
|
|
$100 million |
$2 million |
Up to $2,000 |
Up to $2,000 |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
Free referral |
Free referral |
Allianz Auto Insurance: Advantages and Disadvantages
Advantages
- Allianz's Third Party Insurance Plan provides policyholders with 24-hour free towing and emergency roadside assistance, which may not be covered by other Triple Protection Plans on the market.
- Allianz Comprehensive Insurance offers policyholders up to HK$100,000 in no-claims coverage, while most insurance plans on the market typically only offer HK$50,000 to HK$60,000.
- Allianz's comprehensive insurance policy offers all-around coverage, including personal accident medical expenses, windshield and window coverage, as well as replacement vehicle coverage, trade-in coverage, and zero-depreciation parts repair.
- It comes with a dedicated electric vehicle insurance policy, fully covering the cost of internal electric and electronic components and the replacement of a private electric vehicle charger (HKD 5,000).
shortcomings
- Allianz's third-party insurance plan is relatively traditional, primarily covering third-party personal injury and property damage. Its coverage for the insured's own vehicle is very limited; for example, it does not include additional coverage for the insured's own vehicle's windshield.
- Allianz's third-party insurance for electric vehicles is significantly more expensive.
More Allianz car insurance information
Allianz’s official website provides car insurance with quick quotes. Insurance can be purchased directly online, and the insured can also submit Insurance claims directly on the website. The webpage also provides various Insurance product information, Latest insurance offers and discounts, and Various practical insurance knowledge.
Other Allianz Insurance
Apart from Comprehensive auto insurance and third-party liability insurance, Allianz also provides electric vehicles and HZMB car insurance. There are also Home insurance, Travel insurance, and life insurance plans available for purchase.
Allianz Auto Insurance FAQs
Does Allianz offer 24-hour towing service?
Yes. Allianz provides 24-hour emergency roadside assistance and towing services with both comprehensive insurance and third-party liability auto insurance plans.
How do I file a claim with Allianz Auto Insurance?
First, you need to immediately report the incident to the police, collect all photos and information related to the accident and the person involved, and file a police report. Then, you need to initiate the claim process within 14 days of the accident on the Official website. You will receive a confirmation email after submitting your claim. Submit the documents or information requested in the confirmation email as soon as possible. Allianz will notify you immediately upon completion of the approval process.
How can I get a quote from Allianz Auto Insurance?
Allianz Auto Insurance's official website offers real-time online quotes; simply enter your basic information to get premium details. Kwiksure also provides real-time quotes and insurance coverage.
How can I find out the latest Allianz auto insurance offers?
Apart from Allianz Auto Insurance Official Website, Kwiksure also provides you with the latest offers on Allianz auto insurance plans.
How many drivers can Allianz Auto Insurance register?
Allianz Auto Insurance allows you to register up to 4 drivers, with 1 designated as the "primary driver" and the remaining 3 as "registered drivers".
