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Allianz car insurance 2025 detailed analysis

Author

Cassidy Wong

Created On

2025-12-13

Edited On

2026-06-02

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Insurance

Each insurance company offers different car insurance coverage, so you should choose the right one. Kwiksure takes you to a deeper understanding of Allianz Auto Insurance Coverage and pricing in 2025: An analysis of the pros and cons of Allianz auto insurance to help you choose the most suitable car insurance plan.

Table of contents

Allianz Car Insurance Introduction
Allianz Third-Party Insurance Plan
Allianz Car Insurance Comprehensive Insurance (Full Coverage) Plan
Allianz Car Insurance Coverage and Coverage Amount
Allianz Third Party Coverage and Comprehensive Coverage Comparison
Allianz Car Insurance Coverage Comparison
Allianz Auto Insurance: Advantages and Disadvantages
More Allianz car insurance information
Other Allianz Insurance
Frequently Asked Questions

Allianz Car Insurance Introduction

Founded in Munich in 1890, Allianz is one of the world's largest financial services groups, operating in 78 countries and regions worldwide. The company provides global protection services in areas such as international medical and lifestyle insurance, auto insurance, roadside assistance, and travel insurance.

In the Hong Kong auto insurance market, Allianz frequently offers auto insurance discounts and also collaborates with car body and glass repair shops to provide customers with car repair discounts.

Allianz Third-Party Insurance Plan

Allianz Third-Party Insurance Plan covers death or bodily injury to a third party caused by an accident, as well as damage to other people's property, but does not include damage to the insured's own vehicle or medical expenses. In addition, Allianz provides 24-hour emergency roadside assistance and free towing services, up to HK$2,000.

Allianz Third-Party Insurance Coverage
The third party dies or is injured.	HK$100 million
Third-party property loss	HK$2 million
24-hour free towing service	✓ (Maximum HK$2,000)
24-hour emergency roadside assistance	✓

Allianz Car Insurance Comprehensive Insurance (Full Coverage) Plan

In addition to third-party liability insurance, Allianz's comprehensive insurance service also provides compensation for personal accidents and the insured's own vehicle. It also includes windshield and window coverage without deducting NCD and without paying "deductible"*. In addition, it provides coverage for temporary replacement vehicles, new-for-old insurance, and zero-depreciation repairs, making the overall protection quite comprehensive.

Allianz Comprehensive Insurance No-Claims Discount (NCD)

It's worth noting that Allianz's no-claims discount coverage can reach up to HK$100,000 per year. As long as the policyholder's no-claims level is 50% or 60%, and the total claims amount within a year is less than HK$100,000, the original NCD can be retained upon renewal, which is almost double the HK$50,000 to HK$60,000 offered by other insurance companies.

Comparison of general car insurance and Allianz comprehensive car insurance with no-claim discount coverage (private car)
No-claim period	General car insurance discount levels	Allianz Discount Levels
Less than a year	0%	0%
One year	20%	20%
For two consecutive years	30%	30%
Three consecutive years	40%	40%
Four consecutive years	50%	50%
Five consecutive years or more	60%	60%
No-claim discount protection	HK$50,000 to HK$60,000 per year	HK$100,000 per year

*Applicable only to designated service providers

比較全港逾60間保險公司報價，快而保汽車保險中介為你挑選最符合你要求的車保，立即報價！

Allianz Car Insurance Coverage and Coverage Amount

	Third-party Insurance	Comprehensive Insurance
Third-party
The third party dies or is injured.	HK$100 million	HK$100 million
Third-party property loss	HK$2 million	HK$2 million
Serve
24-hour emergency roadside assistance	✓	✓
24-hour free towing service	Up to HK$2,000	Up to HK$2,000
Insured's own and vehicle accidents
Damage to one's own car	✕	Market value / insured amount
Personal accident	✕	HK$250,000
Medical expense reimbursement	✕	HK$10,000
Windshield and window protection	✕	HK$5,000
repair
Trade-in guarantee	✕	Within one year of the first registration
Zero-depreciation parts repair	✕	Within one year of the first registration
Electric vehicle exclusive protection
Comprehensive coverage of internal electric and electronic components	✕	Market value / insured amount
Replacement of a private electric vehicle charger	✕	HK$5,000
Extended Liability Coverage for Electric Vehicle Chargers	HK$2 million	HK$2 million
Other protections
No-claim discount protection	✕	HK$100,000
Claim recovery services	✕	✓
Temporary replacement vehicle	✕	HK$1,000 per day Maximum 5 days

Allianz Third Party Coverage and Comprehensive Coverage Comparison

Example 1: Seven-seater gasoline car

For example, a 35-year-old driver with a 6-year driving history, 60% NCD, and a 2023 Toyota Sienta (insured amount of HK$250,000).

Insurance Company	Third Party Insurance	Comprehensive Insurance
Allianz Auto Insurance	$1,769	$4,588
Ping An Insurance (Hong Kong)	$1,601	$4,433
bolttech (FWD Smart Driving Plus)	$2,062	$4,516
AXA iMotor	$2,028	$3,830
Dah Sing Bank	$1,560	$5,209
AIG Auto Insurance	$2,038	$3,874

*The above prices are for reference only as of December 15, 2025. All information is subject to the announcements of the relevant insurance companies.

Example 2: Electric vehicle

For example, a driver who is 50 years old, has a 10-year driving license, 60% NCD, and has a BYD Seal (insured amount of HK$300,000) in 2023.

Insurance Company	Third Party Insurance	Comprehensive Insurance
Allianz Auto Insurance	$5,469	$6,170
Ping An Insurance (Hong Kong)	$1,896	$4,781
bolttech (FWD Smart Driving Plus)	$2,062	$5,523
AXA iMotor	$2,887	$4,176
Dah Sing Bank	$1,560	$4,680
AIG Auto Insurance	$1,825	$3,953

*The above prices are for reference only as of December 15, 2025. All information is subject to the announcements of the relevant insurance companies.

With over 25 years of professional experience, Kwiksure compares Insurance Plans from over 60 insurance companies to offer ultra-low premiums for comprehensive and third-party insurance coverage.

Allianz Car Insurance Coverage Comparison

Comprehensive auto insurance

Insurance Company	Self-insurance for vehicle damage	No-claim discount protection	Medical expense reimbursement	Car rental/charter guarantee	Automotive glass	Lost car keys
Allianz Auto Insurance	✓	$100,000	$10,000	$1,000 per day, maximum 5 days	Windshield/Window ($5,000)	✕
Ping An Insurance (Hong Kong)	✓	$60,000 or 15% of the insured amount	✓	Free shuttle service provided	All car windows ($3,000)
bolttech (FWD Smart Driving Plus)	✓	$60,000 or 15% of the insured amount	$2,000	80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident).	Windshield ($5,000)	✕
AXA iMotor	✓	$60,000 or 20% of the insured amount	$4,000	$4,000 per accident or per coverage period (maximum $1,000 per day)	Windshield ($5,000)	✕
Dah Sing Bank	✓	$60,000 or 15% of the insured amount	✕	80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident)	Windshield/Sunroof ($5,000)	✕
AIG Auto Insurance	✓	$50,000 or 15% of the insured amount	$2,000	$500 / day	Windshield (no change required)	$2,000

*All information is subject to the announcements of the relevant insurance companies.

Third-party insurance for automobiles

Insurance Company	The third party dies or is injured.	Third-party property loss	24-hour emergency roadside assistance	24-hour free towing
Allianz Auto Insurance	$100 million	$2 million	✓	Up to $2,000
Ping An Insurance (Hong Kong)	$100 million	$2 million	Up to $2,000	Up to $2,000
bolttech (FWD Smart Driving Plus)	$100 million	$2 million	✕	✕
AXA iMotor	$100 million	$2 million	✕	✕
Dah Sing Bank	$100 million	$2 million	✕	✕
AIG Auto Insurance	$100 million	$2 million	Free referral	Free referral

*All information is subject to the announcements of the relevant insurance companies.

Allianz Auto Insurance: Advantages and Disadvantages

Advantages

Allianz's Third Party Insurance Plan provides policyholders with 24-hour free towing and emergency roadside assistance, which may not be covered by other Triple Protection Plans on the market.
Allianz Comprehensive Insurance offers policyholders up to HK$100,000 in no-claims coverage, while most insurance plans on the market typically only offer HK$50,000 to HK$60,000.
Allianz's comprehensive insurance policy offers all-around coverage, including personal accident medical expenses, windshield and window coverage, as well as replacement vehicle coverage, trade-in coverage, and zero-depreciation parts repair.
It comes with a dedicated electric vehicle insurance policy, fully covering the cost of internal electric and electronic components and the replacement of a private electric vehicle charger (HKD 5,000).

shortcomings

Allianz's third-party insurance plan is relatively traditional, primarily covering third-party personal injury and property damage. Its coverage for the insured's own vehicle is very limited; for example, it does not include additional coverage for the insured's own vehicle's windshield.
Allianz's third-party insurance for electric vehicles is significantly more expensive.

More Allianz car insurance information

Allianz’s official website provides car insurance with quick quotes. Insurance can be purchased directly online, and the insured can also submit Insurance claims directly on the website. The webpage also provides various Insurance product information, Latest insurance offers and discounts, and Various practical insurance knowledge.

Other Allianz Insurance

Apart from Comprehensive auto insurance and third-party liability insurance, Allianz also provides electric vehicles and HZMB car insurance. There are also Home insurance, Travel insurance, and life insurance plans available for purchase.

Frequently Asked Questions

Does Allianz offer 24-hour towing service?

Yes. Allianz provides 24-hour emergency roadside assistance and towing services with both comprehensive insurance and third-party liability auto insurance plans.

How do I file a claim with Allianz Auto Insurance?

First, you need to immediately report the incident to the police, collect all photos and information related to the accident and the person involved, and file a police report. Then, you need to initiate the claim process within 14 days of the accident on the Official website. You will receive a confirmation email after submitting your claim. Submit the documents or information requested in the confirmation email as soon as possible. Allianz will notify you immediately upon completion of the approval process.

How can I get a quote from Allianz Auto Insurance?

Allianz Auto Insurance's official website offers real-time online quotes; simply enter your basic information to get premium details. Kwiksure also provides real-time quotes and insurance coverage.

How can I find out the latest Allianz auto insurance offers?

Apart from Allianz Auto Insurance Official Website, Kwiksure also provides you with the latest offers on Allianz auto insurance plans.

How many drivers can Allianz Auto Insurance register?

Allianz Auto Insurance allows you to register up to 4 drivers, with 1 designated as the "primary driver" and the remaining 3 as "registered drivers".

Follow us and be among the first to know!

Contact Kwiksure to get motor insurance quotes

Kwiksure has over 20 years of experience in the car insurance industry, comparing quotes from over 60 insurers in Hong Kong. Use our online quotation tool now to get a free car insurance quote!

The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.

Author

Cassidy Wong

Cassidy is a content creator at Kwiksure. She mainly writes about cars and travel. She has previously worked in advertising creation and online media editing. She loves writing and is keen on discovering the latest topics. She is committed to bringing fresh, interesting and practical information to readers.

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