Every insurance coverage firm presents completely different automotive insurance coverage protection, so you need to select the precise 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 probably the most appropriate automotive insurance coverage plan.
Allianz Automotive Insurance coverage Introduction
Based in Munich in 1890, Allianz is likely one of the world’s largest monetary providers teams, working in 78 international locations and areas worldwide. The corporate supplies international safety providers in areas similar 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 ceaselessly presents auto insurance coverage reductions and in addition collaborates with automotive physique and glass restore retailers to supply prospects with automotive restore reductions.
Allianz Third-Occasion Insurance coverage Plan
Allianz Third-Occasion Insurance coverage Plan covers loss of life or bodily harm to a 3rd get together attributable to an accident, in addition to harm to different individuals’s property, however doesn’t embrace harm to the insured’s personal automobile or medical bills. As well as, Allianz supplies 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 get together dies or is injured.
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HK$100 million
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Third-party property loss
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HK$2 million
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24-hour free towing service
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✓ (Most HK$2,000)
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24-hour emergency roadside help
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✓
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Allianz Automotive Insurance coverage Complete Insurance coverage (Full Protection) Plan
Along with third-party legal responsibility insurance coverage, Allianz’s complete insurance coverage service additionally supplies compensation for private accidents and the insured’s personal automobile. It additionally consists of windshield and window protection with out deducting NCD and with out paying “deductible”*. As well as, it supplies protection for momentary substitute autos, 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 might be retained upon renewal, which is sort of double the HK$50,000 to HK$60,000 supplied by different insurance coverage corporations.
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Comparability of normal automotive insurance coverage and Allianz complete automotive insurance coverage with no-claim low cost protection (non-public automotive)
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No-claim interval
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Common automotive insurance coverage low cost ranges
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Allianz Low cost Ranges
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Lower than a 12 months
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0%
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0%
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One 12 months
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20%
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20%
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For 2 consecutive years
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30%
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30%
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Three consecutive years
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40%
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40%
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4 consecutive years
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50%
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50%
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5 consecutive years or extra
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60%
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60%
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No-claim low cost safety
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HK$50,000 to HK$60,000 per 12 months
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HK$100,000 per 12 months
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*Relevant solely to designated service suppliers
Allianz Automotive Insurance coverage Protection and Protection Quantity
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Third-party Insurance coverage
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Complete Insurance coverage
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Third-party
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The third get together dies or is injured.
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HK$100 million
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HK$100 million
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Third-party property loss
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HK$2 million
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HK$2 million
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Serve
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24-hour emergency roadside help
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✓
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✓
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24-hour free towing service
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As much as HK$2,000
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As much as HK$2,000
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Insured’s personal and automobile accidents
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Injury to 1’s personal automotive
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✕
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Market worth / insured quantity
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Private accident
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✕
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HK$250,000
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Medical expense reimbursement
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✕
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HK$10,000
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Windshield and window safety
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✕
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HK$5,000
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restore
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Commerce-in assure
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✕
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Inside one 12 months of the primary registration
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Zero-depreciation elements restore
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✕
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Inside one 12 months of the primary registration
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Electrical automobile unique safety
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Complete protection of inside electrical and digital elements
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✕
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Market worth / insured quantity
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Substitute of a personal electrical automobile charger
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✕
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HK$5,000
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Prolonged Legal responsibility Protection for Electrical Car Chargers
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HK$2 million
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HK$2 million
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Different protections
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No-claim low cost safety
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✕
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HK$100,000
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Declare restoration providers
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✕
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✓
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Momentary substitute automobile
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✕
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HK$1,000 per day
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Allianz Third Occasion Protection and Complete Protection Comparability
Instance 1: Seven-seater gasoline automotive
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
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Third Occasion Insurance coverage
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Complete Insurance coverage
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Allianz Auto Insurance coverage
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$1,769
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$4,588
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Ping An Insurance coverage (Hong Kong)
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$1,601
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$4,433
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bolttech (FWD Sensible Driving Plus)
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$2,062
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$4,516
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$2,028
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$3,830
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Dah Sing Financial institution
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$1,560
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$5,209
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$2,038
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$3,874
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*The above costs are for reference solely as of December 15, 2025. All data is topic to the bulletins of the related insurance coverage corporations.
Instance 2: Electrical automobile
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
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Third Occasion Insurance coverage
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Complete Insurance coverage
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Allianz Auto Insurance coverage
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$5,469
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$6,170
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Ping An Insurance coverage (Hong Kong)
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$1,896
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$4,781
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bolttech (FWD Sensible Driving Plus)
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$2,062
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$5,523
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$2,887
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$4,176
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Dah Sing Financial institution
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$1,560
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$4,680
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$1,825
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$3,953
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*The above costs are for reference solely as of December 15, 2025. All data 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 Automotive Insurance coverage Protection Comparability
Complete auto insurance coverage
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Insurance coverage Firm
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Self-insurance for automobile harm
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No-claim low cost safety
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Medical expense reimbursement
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Automotive rental/constitution assure
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Automotive glass
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Misplaced automotive keys
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Allianz Auto Insurance coverage
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✓
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$100,000
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$10,000
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$1,000 per day, most 5 days
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Windshield/Window ($5,000)
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✕
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Ping An Insurance coverage (Hong Kong)
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✓
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$60,000 or 15% of the insured quantity
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✓
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Free shuttle service supplied
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All automotive home windows ($3,000)
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bolttech (FWD Sensible Driving Plus)
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✓
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$60,000 or 15% of the insured quantity
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$2,000
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80% of the lease (most protection of $1,000 per day, most protection of $5,000 per incident).
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Windshield ($5,000)
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✕
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✓
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$60,000 or 20% of the insured quantity
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$4,000
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$4,000 per accident or per protection interval (most $1,000 per day)
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Windshield ($5,000)
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✕
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Dah Sing Financial institution
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✓
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$60,000 or 15% of the insured quantity
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✕
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80% of the lease (most protection of $1,000 per day, most protection of $5,000 per incident)
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Windshield/Sunroof ($5,000)
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✕
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✓
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$50,000 or 15% of the insured quantity
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$2,000
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$500 / day
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Windshield (no change required)
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$2,000
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*All data is topic to the bulletins of the related insurance coverage corporations.
Third-party insurance coverage for vehicles
*All data 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 supplies policyholders with 24-hour free towing and emergency roadside help, which is probably not coated by different Triple Safety Plans in the marketplace.
- Allianz Complete Insurance coverage presents policyholders as much as HK$100,000 in no-claims protection, whereas most insurance coverage in the marketplace usually solely supply HK$50,000 to HK$60,000.
- Allianz’s complete insurance coverage coverage presents all-around protection, together with private accident medical bills, windshield and window protection, in addition to substitute automobile protection, trade-in protection, and zero-depreciation elements restore.
- It comes with a devoted electrical automobile insurance coverage coverage, absolutely protecting the price of inside electrical and digital elements and the substitute of a personal electrical automobile 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 automobile could be very restricted; for instance, it doesn’t embrace extra protection for the insured’s personal automobile’s windshield.
- Allianz’s third-party insurance coverage for electrical autos is considerably dearer.
Extra Allianz automotive insurance coverage data
Allianz’s official web site supplies automotive insurance coverage with fast quotes. Insurance coverage might be bought immediately on-line, and the insured may also submit Insurance coverage claims immediately on the web site. The webpage additionally supplies varied Insurance coverage product data, Newest insurance coverage presents and reductions, and Numerous sensible insurance coverage data.
Different Allianz Insurance coverage
Aside from Complete auto insurance coverage and third-party legal responsibility insurance coverage, Allianz additionally supplies electrical autos and HZMB automotive insurance coverage. There are additionally Residence insurance coverage, Journey insurance coverage, and life insurance coverage obtainable for buy.
Allianz Auto Insurance coverage FAQs
Does Allianz supply 24-hour towing service?
Sure. Allianz supplies 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 is advisable to 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 is advisable to provoke the declare course of inside 14 days of the accident on the Official web site. You’ll obtain a affirmation electronic mail after submitting your declare. Submit the paperwork or data requested within the affirmation electronic mail as quickly as doable. 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 presents real-time on-line quotes; merely enter your fundamental data to get premium particulars. Kwiksure additionally supplies real-time quotes and insurance coverage protection.
How can I discover out the newest Allianz auto insurance coverage presents?
Aside from Allianz Auto Insurance coverage Official Web site, Kwiksure additionally supplies you with the newest presents 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 “main driver” and the remaining 3 as “registered drivers”.