Note: LV = Flow Insurance is Now Allianz Insurance. All claims for Flow Car Insurance will be processed by Allianz.
Curious about Allianz Car Insurance? Dive into our review to discover why it’s a top choice.
We highlight customer experiences to give you a real sense of their service.
Find out how Allianz tackles common issues like high premiums and complex policies.
Learn about their user-friendly approach and comprehensive coverage.
See the pros and cons from actual customer feedback.
Explore how Allianz Car Insurance could be the solution you’re looking for.
Allianz Car Customer Reviews on Trustpilot
Allianz car and home insurance has received many reviews on Trustpilot. With a total of 17,756 reviews, the company holds a 4.5-star rating. The reviews show a mix of opinions from customers. Some praise the company for its competitive pricing and easy-to-use website. Others share their experiences of hassle-free policy setups and renewals. Yet, a few have mentioned some issues they faced.
Many customers find Allianz car insurance straightforward and easy to use. One reviewer mentioned, “Getting a quote and confirming was straightforward to do.” This shows that the process to get a quote is user-friendly. Another customer highlighted that the online system is simple and efficient, which makes it easy to manage the policy. This reflects positively on Allianz’s digital services.
On the other hand, some reviews indicate areas where Allianz could improve. For instance, a customer mentioned a delay in accessing policy documents online. Despite this, Allianz’s support team was quick to respond and resolve the issue.
This shows that while there might be occasional hiccups, the insurer’s support team is proactive in addressing problems. Such mixed reviews are common for any large insurance provider.
Allianz car insurance policies also receive praise for their competitive premiums. Several customers noted that they found cheaper rates compared to other insurers.
One reviewer said, “The price was great and easy to follow website.” This highlights that Allianz offers good value for money. Another review mentioned saving over £100 compared to their previous insurance provider, which underscores Allianz’s cost-effectiveness.
This is an important factor for many when choosing an insurance company.
The company’s level of cover is another strong point mentioned in the reviews. Allianz offers comprehensive coverage options, including fire and theft, personal accident cover, and motor legal protection.
A customer said, “Best renewal price offered with a well-known provider.” This shows that Allianz provides robust insurance products at competitive prices. Their policies are designed to cover a wide range of scenarios, from accidents with uninsured drivers to damage to your car.
However, some reviews also point out that Allianz’s digital-only approach might not be for everyone. One customer mentioned missing the personal touch of dealing with a representative.
While the online system is efficient, it can feel impersonal to some. Despite this, many customers appreciate the convenience and lower premiums that come with a digital-first approach.
In summary, Allianz car and home insurance has a high number of positive reviews on Trustpilot, with a 4.5-star rating. Customers appreciate the competitive prices, easy-to-use website, and comprehensive coverage options.
However, there are occasional issues with accessing documents online and a preference for more personalized service.
Overall, Allianz appears to be a reliable and cost-effective insurance provider in the UK. With its mix of positive and constructive feedback, it shows that the company is responsive and committed to improving customer experience.
Pros of Allianz Car Insurance
- Competitive Pricing: Allianz offers competitive premiums. Many customers find their rates affordable compared to other insurers.
- Comprehensive Coverage: Their policies provide extensive coverage. This includes fire and theft, personal accident cover, and motor legal protection.
- Easy Online System: Allianz’s online platform is user-friendly. It allows customers to get a quote and manage their policies easily.
- Efficient Claims Process: The process to make a claim is straightforward. Customers report quick and hassle-free claims handling.
- Regulated by Financial Conduct Authority: Allianz is regulated by the Financial Conduct Authority. This ensures they meet high standards of conduct and service.
Cons of Allianz Car Insurance
- Limited Personal Interaction: Allianz relies heavily on online services. Some customers miss the personal touch of dealing with a representative.
- Potential Delays in Document Access: Some users have experienced delays in accessing policy documents online. This can cause inconvenience.
- Mixed Customer Service Reviews: While many praise their service, there are reports of inconsistent customer support. This can be frustrating during urgent issues.
- Additional Fees: Allianz may charge admin fees for certain policy changes. These extra costs can add up and be unexpected for some customers.
- Digital-Only Approach: The focus on digital services might not suit everyone. Customers who prefer in-person or phone interactions might find this challenging.
Allianz Car Insurance Policy Features
Allianz Car Insurance offers comprehensive coverage for motorists. It includes protection for accidents, fire, theft, and more. The policy also covers driving in EU countries and provides a guaranteed hire car if yours is under repair.
There are options for breakdown cover and protected no claim discount. Legal expenses and personal accident cover are also included. The policy has some exclusions like wear and tear or deliberate damage. Payment options are flexible, with annual or monthly plans. Cancellation terms are clear, with refunds available under certain conditions.
Allianz offers one level of comprehensive car insurance, on an annual basis.
The table below outlines the key features and exclusions of the Allianz Car Insurance policy.
| Feature | Details |
| Liability Coverage | Injury to others (unlimited), Damage to property (up to £20 million) |
| Fire, Theft, and Attempted Theft Coverage | Repairs or replacement of damaged/stolen items |
| Driving Other Cars | Third-party only cover, check certificate of motor insurance |
| In-Car Equipment | Unlimited cover for factory-fitted equipment |
| European Cover | Coverage extends to EU countries and those following EU directives |
| Accidental Damage | Covers accidental damage to your car |
| Personal Accident Cover | £10,000 for policyholder, spouse/partner, and named drivers |
| Misfueling Coverage | Covers damage to engine and costs to drain & flush fuel tank |
| Windscreen and Window Glass | Repair or replacement of damaged windscreen or windows |
| Guaranteed Hire Car | Small hatchback under 1.2 litre, electric or hybrid car if applicable, up to 21 days or 4 days after claim is paid |
| Legal Expenses | Up to £100,000 for uninsured loss recovery or defense of motoring prosecution |
| Protected No Claim Discount (NCD) | Optional cover to keep NCD regardless of number of claims |
| Breakdown Cover | Optional cover with three levels of service |
| Policy Excess | Policyholder responsible for the excess amount specified |
| Wear and Tear Exclusions | Coverage does not include wear and tear, including tyres and brakes |
| Deliberate Damage Exclusions | No coverage for deliberate damage by policyholder or named drivers |
| Theft Exclusions | No coverage if the car is left unlocked, engine running, ignition device left in range, or windows/sunroof left open |
| Driver Restrictions | Only named drivers on the certificate are covered |
| Personal Accident Exclusions | No coverage if injury or death results from suicide, drug/alcohol influence, or not wearing a seatbelt |
| Cyber Attack Exclusion | No coverage for losses related to cyber attacks |
| Legal Expenses Restrictions | Claims must have a reasonable chance of success and costs must be proportional to expected benefit |
| Driving Other Cars Restriction | Restricted to UK for policyholders only and limited to third-party cover |
| Premium Payment | Annual or monthly debit card payments |
| Policy Duration | One-year policy, renewable annually |
| Cancellation Policy | Refunds available within 14 days, cancellation charges apply after 14 days; no refund if a claim is made |
| European Cover Duration | Up to 180 days per policy year, provided the car is registered and normally kept in Great Britain |
| In-Car Equipment Limit | £1,000 limit for non-manufacturer-installed equipment |
| Breakdown Cover Options | Roadside Assist (Local) – no cover within ¼ mile of home |
| Obligations of Policyholders | Provide accurate information, update changes, maintain the car, ensure tracking devices are working, and pay premiums on time |
How to Contact Allianz Car Insurance?
| Method | Details |
| Phone (UK) | 03330 678 5557 |
| Phone (Outside UK) | +44 1202 848509 |
| Text Phone | First dial 18001 |
| Windscreen Claims | Contact RAC |
| Breakdown Claims | 0330 678 7112 |
| General Claims | 0330 678 5557 |
| digitalhelp@allianz.co.uk |
Key Points
- Availability: 24 hours a day, 365 days a year.
- Recording: Calls are recorded for training and monitoring purposes.
- Additional Formats: Documents available in braille, large print, or audio upon request.
Conclusion
Allianz Car Insurance stands out with its competitive pricing and comprehensive coverage. Customers appreciate the user-friendly online system and efficient claims process.
The policy covers accidents, fire, theft, and even European travel. Optional extras like breakdown cover and no-claim discounts add value.
But, some miss personal interaction, and there can be delays in document access. The insurance is regulated by the Financial Conduct Authority, ensuring high standards. Overall, Allianz is a reliable choice for car insurance, offering great value and robust coverage. For detailed features and contact options, refer to the provided tables.
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