Allianz Car Insurance: Cover, Ratings and Cost

Allianz car insurance scores well on cover but more modestly on service. Both Allianz Online Gold and Silver hold a 5-star Defaqto product rating as of March 2026, so the cover itself is among the most comprehensive available. On review platforms it holds around 4 stars on Trustpilot and 4.57 out of 5 on Smart Money People, though some reviewers raise concerns about claims handling — so it rates higher for cover than for service.

Allianz advertises cover from £299, but that figure reflects only the cheapest 10% of new customers, not an average. The average motor premium drivers actually paid was around £560 in Q1 2026 according to the ABI. Whether Allianz is competitive for you depends on your age, car and postcode, so always compare it against several insurers rather than judging it on the advertised price alone.

You can request proof of your no-claims bonus, sometimes called your no-claims discount, by logging in to your Allianz online account or contacting Allianz directly. Most insurers issue this as a written confirmation showing your years of bonus. Allow a few working days, especially around renewal, as a new insurer will usually want to see it before applying your discount.

A claims settlement letter confirms the outcome and value of a settled claim, and you can request one from Allianz once your claim is closed. Contact the claims team that handled your case by phone, as Allianz manages most motor claims by telephone rather than online. Keep the letter, as a future insurer may ask for evidence of how a past claim was resolved.

A Green Card is no longer required to drive in the EU, as the UK is part of an agreement that recognises UK insurance without one. Allianz Online cover includes up to six months of EU driving, but you should tell Allianz about longer or extended trips. Always carry your insurance certificate and check the specific foreign-use terms on your policy before you travel.

Yes, you can usually change your Allianz Online policy start date through your online account before the cover begins. Log in with the details you used at purchase and amend the date in the policy management section. If the change falls outside what the system allows, or the policy has already started, you may need to contact Allianz directly to adjust it.

You change your car on an Allianz Online policy by logging in to your online account and updating the vehicle details in the policy section. Switching to a different car can change your premium, either up or down, depending on the new vehicle's insurance group, value and security. You will usually see any adjustment before you confirm the change.

You add or edit a named driver on an Allianz Online policy through your online account, entering their licence and claims details. Some additions, such as a young driver with under a year's experience, may be referred for review rather than added automatically. Adding a named driver can raise or lower your premium depending on their age and record, so check the revised price before confirming.

You can switch between Allianz Online Gold, Silver and Bronze through your online account, subject to eligibility for the tier you want. Bronze only covers drivers aged 26 to 79, while Gold and Silver cover ages 23 to 84, so your age may limit your options. Moving up a tier adds features such as included legal cover or a guaranteed hire car, and the premium will adjust accordingly.

Allianz is a financially strong, FCA-authorised insurer and part of one of the world's largest insurance groups. Allianz Insurance plc is UK-incorporated and has traded for over a century, and the group holds strong financial-strength ratings from independent agencies. This means it has the capacity to pay valid claims, though financial strength is separate from customer service, which independent reviews rate as around mid-table.