Allianz doesn’t actually offer car insurance, but the company does provide various breakdown cover options.
So while Allianz does not offer car insurance, the brand will direct you to take out an LV= car insurance policy if this is what you’re looking for (Allianz finalised the acquisition of LV= in January 2020). The Allianz brand offers breakdown cover, car hire excess insurance, and other motoring products. Breakdown cover such as this can give you peace of mind should your car break down.
What are the features and benefits of Allianz breakdown cover?
If you take out Allianz breakdown cover, you can enjoy the following benefits:
- 24-hour breakdown assistance comes as standard
- 24-hour car recovery comes as standard
- Allianz aims to fix all cars within an hour of arrival at the roadside
- Allianz has more than 35 years of experience offering roadside assistance
- Motorists can ask for up to 5 call outs each year
As is typical with roadside assistance and breakdown cover products, using these will not affect your any claims bonus with your car insurance company. Nor will using the cover necessarily lead to your premium increasing next year. Allianz's breakdown cover includes assistance if your breakdown results from an accident. However, you will need to check your policy details for information about recovery and further assistance.
What motor products does Allianz offer?
While Allianz doesn’t offer traditional car insurance, the brand does provide a range of other motor insurance products, including those featured below.
Car hire excess insurance
Allianz offers car hire excess insurance for overseas car rentals for up to 91 days. Also known as “Collision damage excess waiver insurance”, car hire excess insurance secures the vehicle excess against your credit card. If your rental vehicle suffers accidental damage or is stolen, Allianz will reimburse you for the excess taken from your credit card.
European breakdown cover
European breakdown cover is ideal if you need cover when taking your own car overseas. Allianz offers a range of features, including a commitment to repairing your vehicle within eight hours, after which the company will aim to help you continue your journey. Allianz's European breakdown cover also includes coverage for getting parts delivered to a European garage, recovering your car back to the UK, and a courtesy car while back at home if your vehicle is being fixed overseas.
24-hour UK breakdown cover
Allianz provides a range of breakdown cover products that aim to keep you moving and get you back on the road as soon as possible.
As with most breakdown cover services, Allianz aims to repair cars before looking at recovery and will aim to repair your vehicle within an hour of a mechanic arriving at your car.
If you’re looking for Allianz breakdown cover, you can choose between three levels of cover, depending on your needs. Allianz says the gold product is its most popular, which is unsurprising considering the level of coverage available compared to the other tiers.
Gold
- 24/7 breakdown assistance
- National recovery
- Local recovery
- Home breakdown
- Vehicle collection
- Onward travel
- Loss of keys
- Wrong fuel
Silver
- 24/7 breakdown assistance
- Local recovery
- Home breakdown
Bronze
- 24/7 breakdown assistance
- Local recovery
Remember that breakdown cover is different from your traditional vehicle insurance, whether your car or van is insured personally or on a business insurance policy. It is your responsibility to ensure you have adequate vehicle insurance for your needs. You should also check your vehicle documentation as to whether your choice of breakdown cover and any work done on your vehicle will affect your warranty or anything else.
Can anyone buy Allianz breakdown cover?
Yes – you can get Allianz breakdown cover for both business and private vehicles. The only caveats are that your car must be less than 15 years old for breakdown cover and less than ten years old for European breakdown cover.
Buy Allianz breakdown cover here.
