Every insurance coverage firm provides totally different automobile insurance coverage protection, so you must select the fitting one. Kwiksure takes you to a deeper understanding of Allianz Auto Insurance coverage Protection and pricing in 2025: An evaluation of the professionals and cons of Allianz auto insurance coverage that can assist you select essentially the most appropriate automobile insurance coverage plan.
Allianz Automobile Insurance coverage Introduction
Based in Munich in 1890, Allianz is among the world’s largest monetary providers teams, working in 78 nations and areas worldwide. The corporate gives world safety providers in areas comparable to worldwide medical and life-style insurance coverage, auto insurance coverage, roadside help, and journey insurance coverage.
Within the Hong Kong auto insurance coverage market, Allianz often provides auto insurance coverage reductions and in addition collaborates with automobile physique and glass restore retailers to offer prospects with automobile restore reductions.
Allianz Third-Occasion Insurance coverage Plan
Allianz Third-Occasion Insurance coverage Plan covers demise or bodily harm to a 3rd occasion brought on by an accident, in addition to harm to different folks’s property, however doesn’t embrace harm to the insured’s personal car or medical bills. As well as, Allianz gives 24-hour emergency roadside help and free towing providers, as much as HK$2,000.
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Allianz Third-Occasion Insurance coverage Protection |
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The third occasion dies or is injured. |
HK$100 million |
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Third-party property loss |
HK$2 million |
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24-hour free towing service |
✓ (Most HK$2,000) |
|
24-hour emergency roadside help |
✓ |
Allianz Automobile Insurance coverage Complete Insurance coverage (Full Protection) Plan
Along with third-party legal responsibility insurance coverage, Allianz’s complete insurance coverage service additionally gives compensation for private accidents and the insured’s personal car. It additionally contains windshield and window protection with out deducting NCD and with out paying “deductible”*. As well as, it gives protection for short-term substitute automobiles, new-for-old insurance coverage, and zero-depreciation repairs, making the general safety fairly complete.
Allianz Complete Insurance coverage No-Claims Low cost (NCD)
It is value noting that Allianz’s no-claims low cost protection can attain as much as HK$100,000 per 12 months. So long as the policyholder’s no-claims stage is 50% or 60%, and the entire claims quantity inside a 12 months is lower than HK$100,000, the unique NCD may be retained upon renewal, which is sort of double the HK$50,000 to HK$60,000 provided by different insurance coverage corporations.
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Comparability of normal automobile insurance coverage and Allianz complete automobile insurance coverage with no-claim low cost protection (non-public automobile) |
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No-claim interval |
Normal automobile insurance coverage low cost ranges |
Allianz Low cost Ranges |
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Lower than a 12 months |
0% |
0% |
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One 12 months |
20% |
20% |
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For 2 consecutive years |
30% |
30% |
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Three consecutive years |
40% |
40% |
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4 consecutive years |
50% |
50% |
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5 consecutive years or extra |
60% |
60% |
|
No-claim low cost safety |
HK$50,000 to HK$60,000 per 12 months |
HK$100,000 per 12 months |
*Relevant solely to designated service suppliers
Allianz Automobile Insurance coverage Protection and Protection Quantity
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Third-party Insurance coverage |
Complete Insurance coverage |
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Third-party |
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The third occasion dies or is injured. |
HK$100 million |
HK$100 million |
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Third-party property loss |
HK$2 million |
HK$2 million |
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Serve |
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24-hour emergency roadside help |
✓ |
✓ |
|
24-hour free towing service |
As much as HK$2,000 |
As much as HK$2,000 |
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Insured’s personal and car accidents |
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Injury to 1’s personal automobile |
✕ |
Market worth / insured quantity |
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Private accident |
✕ |
HK$250,000 |
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Medical expense reimbursement |
✕ |
HK$10,000 |
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Windshield and window safety |
✕ |
HK$5,000 |
|
restore |
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Commerce-in assure |
✕ |
Inside one 12 months of the primary registration |
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Zero-depreciation components restore |
✕ |
Inside one 12 months of the primary registration |
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Electrical car unique safety |
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Complete protection of inside electrical and digital parts |
✕ |
Market worth / insured quantity |
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Alternative of a non-public electrical car charger |
✕ |
HK$5,000 |
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Prolonged Legal responsibility Protection for Electrical Car Chargers |
HK$2 million |
HK$2 million |
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Different protections |
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No-claim low cost safety |
✕ |
HK$100,000 |
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Declare restoration providers |
✕ |
✓ |
|
Momentary substitute car |
✕ |
HK$1,000 per day |
Allianz Third Occasion Protection and Complete Protection Comparability
Instance 1: Seven-seater gasoline automobile
For instance, a 35-year-old driver with a 6-year driving historical past, 60% NCD, and a 2023 Toyota Sienta (insured quantity of HK$250,000).
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Insurance coverage Firm |
Third Occasion Insurance coverage |
Complete Insurance coverage |
|
$1,769 |
$4,588 |
|
|
$1,601 |
$4,433 |
|
|
$2,062 |
$4,516 |
|
|
$2,028 |
$3,830 |
|
|
$1,560 |
$5,209 |
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|
$2,038 |
$3,874 |
*The above costs are for reference solely as of December 15, 2025. All info is topic to the bulletins of the related insurance coverage corporations.
Instance 2: Electrical car
For instance, a driver who’s 50 years previous, has a 10-year driving license, 60% NCD, and has a BYD Seal (insured quantity of HK$300,000) in 2023.
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Insurance coverage Firm |
Third Occasion Insurance coverage |
Complete Insurance coverage |
|
$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 costs are for reference solely as of December 15, 2025. All info is topic to the bulletins of the related insurance coverage corporations.
With over 25 years {of professional} expertise, Kwiksure compares Insurance coverage Plans from over 60 insurance coverage corporations to supply ultra-low premiums for complete and third-party insurance coverage protection.
Allianz Automobile Insurance coverage Protection Comparability
Complete auto insurance coverage
|
Insurance coverage Firm |
Self-insurance for car harm |
No-claim low cost safety |
Medical expense reimbursement |
Automobile rental/constitution assure |
Automotive glass |
Misplaced automobile keys |
|
✓ |
$100,000 |
$10,000 |
$1,000 per day, most 5 days |
Windshield/Window ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured quantity |
✓ |
Free shuttle service offered |
All automobile home windows ($3,000) |
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✓ |
$60,000 or 15% of the insured quantity |
$2,000 |
80% of the hire (most protection of $1,000 per day, most protection of $5,000 per incident). |
Windshield ($5,000) |
✕ |
|
|
✓ |
$60,000 or 20% of the insured quantity |
$4,000 |
$4,000 per accident or per protection interval (most $1,000 per day) |
Windshield ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured quantity |
✕ |
80% of the hire (most protection of $1,000 per day, most protection of $5,000 per incident) |
Windshield/Sunroof ($5,000) |
✕ |
|
|
✓ |
$50,000 or 15% of the insured quantity |
$2,000 |
$500 / day |
Windshield (no change required) |
$2,000 |
*All info is topic to the bulletins of the related insurance coverage corporations.
Third-party insurance coverage for vehicles
*All info is topic to the bulletins of the related insurance coverage corporations.
Allianz Auto Insurance coverage: Benefits and Disadvantages
Benefits
- Allianz’s Third Occasion Insurance coverage Plan gives policyholders with 24-hour free towing and emergency roadside help, which might not be lined by different Triple Safety Plans available on the market.
- Allianz Complete Insurance coverage provides policyholders as much as HK$100,000 in no-claims protection, whereas most insurance coverage available on the market usually solely provide HK$50,000 to HK$60,000.
- Allianz’s complete insurance coverage coverage provides all-around protection, together with private accident medical bills, windshield and window protection, in addition to substitute car protection, trade-in protection, and zero-depreciation components restore.
- It comes with a devoted electrical car insurance coverage coverage, absolutely protecting the price of inside electrical and digital parts and the substitute of a non-public electrical car charger (HKD 5,000).
shortcomings
- Allianz’s third-party insurance coverage plan is comparatively conventional, primarily protecting third-party private harm and property harm. Its protection for the insured’s personal car could be very restricted; for instance, it doesn’t embrace further protection for the insured’s personal car’s windshield.
- Allianz’s third-party insurance coverage for electrical automobiles is considerably costlier.
Extra Allianz automobile insurance coverage info
Allianz’s official web site gives automobile insurance coverage with fast quotes. Insurance coverage may be bought instantly on-line, and the insured can even submit Insurance coverage claims instantly on the web site. The webpage additionally gives varied Insurance coverage product info, Newest insurance coverage provides and reductions, and Numerous sensible insurance coverage information.
Different Allianz Insurance coverage
Other than Complete auto insurance coverage and third-party legal responsibility insurance coverage, Allianz additionally gives electrical automobiles and HZMB automobile insurance coverage. There are additionally House insurance coverage, Journey insurance coverage, and life insurance coverage accessible for buy.
Allianz Auto Insurance coverage FAQs
Does Allianz provide 24-hour towing service?
Sure. Allianz gives 24-hour emergency roadside help and towing providers with each complete insurance coverage and third-party legal responsibility auto insurance coverage.
How do I file a declare with Allianz Auto Insurance coverage?
First, it’s essential instantly report the incident to the police, acquire all pictures and data associated to the accident and the particular person concerned, and file a police report. Then, it’s essential provoke the declare course of inside 14 days of the accident on the Official web site. You’ll obtain a affirmation e-mail after submitting your declare. Submit the paperwork or info requested within the affirmation e-mail as quickly as potential. Allianz will notify you instantly upon completion of the approval course of.
How can I get a quote from Allianz Auto Insurance coverage?
Allianz Auto Insurance coverage’s official web site provides real-time on-line quotes; merely enter your fundamental info to get premium particulars. Kwiksure additionally gives real-time quotes and insurance coverage protection.
How can I discover out the newest Allianz auto insurance coverage provides?
Other than Allianz Auto Insurance coverage Official Web site, Kwiksure additionally gives you with the newest provides on Allianz auto insurance coverage.
What number of drivers can Allianz Auto Insurance coverage register?
Allianz Auto Insurance coverage permits you to register as much as 4 drivers, with 1 designated because the “major driver” and the remaining 3 as “registered drivers”.
