Main Takeaway: Allianz Car Insurance in the UK offers flexible, competitively priced cover with an award-winning digital experience.
Two main policy tiers—Essentials and Standard—cater to drivers’ varying needs, backed by Which? Best Buy recognition and high Trustpilot ratings.
1. Overview of Allianz in the UK
Founded in 1890 and ranked the world’s number-one insurance brand by Interbrand, Allianz operates in the UK under its own name and through subsidiaries such as LV= and Britannia Rescue. Known for its fast, self-service digital policy management, Allianz provides an efficient, user-friendly experience with no admin fees. Allianz’s commitment to customer satisfaction is reflected in its 4.6/5 Trustpilot score from over 33,000 reviews.
2. Policy Tiers and Cover Levels
Allianz offers two primary car insurance tiers: Essentials (simplified and budget-focused) and Standard (comprehensive and feature-rich). Here’s a breakdown of the key features:
| Feature | Essentials | Standard (Allianz) |
|---|---|---|
| Accidental damage | ✘ | ✔ |
| Fire & theft | ✘ | ✔ |
| Windscreen cover | ✘ | ✔ |
| Motor legal expenses | ✘ | ✔ |
| Driving other cars | ✘ | ✔ |
| European cover | ✔ (180 days) | ✔ (180 days) |
| Guaranteed hire car (theft/repair) | ✘ | ✔ |
| Protected no-claims discount | ✘ | ✔ |
| Personal accident cover | ✘ | ✔ |
| Child car seat replacement | ✘ | ✔ |
| Theft or loss of keys | ✘ | ✔ |
| Misfuelling cover | ✘ | ✔ |
| In-car entertainment cover | ✘ | ✔ |
| New-car replacement (age limits apply) | ✘ | ✔ |
| Uninsured driver promise | ✘ | ✔ |
3. Key Features and Add-Ons
- Digital Self-Service: Allianz offers a streamlined experience where you can manage quotes, policy changes, and renewals online, with no admin charges.
- European Driving: Comprehensive cover is provided for up to 180 days per year in Europe, or 90 days on the Silver tier.
- Accident Restoration: Choose your repairer, with optional guaranteed hire cars and personal accident benefits.
- Misfuelling & Key Cover: Coverage against misfuelling incidents and key theft or loss.
- No-Claims Discount Protection: Keep your No-Claims Discount even after making a claim, available with the Standard policy.
4. Pricing and How to Save
Which? ranks Allianz’s Standard policy as a Best Buy with a 77% policy score and a 66% customer score, placing it joint 7th of 19 providers. To lower your premiums, consider these strategies:
- Increase voluntary excess: Opt for a higher voluntary excess (within reason) to reduce premiums.
- Opt for telematics: Consider a black box if you’re under 30 to help lower premiums.
- Secure motor amenities: Store your car in a garage, install an alarm, and secure other features to reduce risks.
- Maintain a strong no-claims history: A clean driving record and no-claims history can significantly lower your premiums.
5. Customer Satisfaction and Reviews
- Trustpilot: Allianz holds an impressive 4.6/5 rating from 32,874 reviews, with customers praising the competitive pricing, user-friendly website, and quick claims handling.
- Smart Money People: Allianz saw a 100% increase in 5-star ratings over 90 days, with users noting the clear online process and great value for money.
- Which?: Allianz’s Standard policy earned a Best Buy award for 2025, thanks to its strong claims handling and flexible coverage options.
6. Claims Process
- Online Notification: Report incidents easily via Allianz’s MyInsurance portal.
- Choice of Repairer: You can either use an Allianz-recommended repairer or choose your own.
- Excess Payment: Pay the compulsory excess (typically £250–£500) plus any voluntary excess you selected.
- Settlement: Allianz handles repair or cash settlement, with hire car options available when applicable.
7. Awards and Recognition
- Which? Best Buy: Allianz’s Standard policy was awarded a Best Buy for 2025.
- Defaqto 5-Star Rating: Allianz maintains its prestigious 5-star rating from Defaqto for comprehensive coverage.
- Global Recognition: Allianz is ranked as the world’s number-one insurance brand by Interbrand and is a leading global insurance brand according to Brand Finance.
8. Conclusion
Allianz Car Insurance in the UK is ideal for drivers seeking a digital-first, award-winning provider with comprehensive cover options and transparent online management. The Essentials tier is perfect for those who need budget-friendly basic cover, while the Standard policy provides extensive benefits, European driving cover, and No-Claims Discount protection—making it one of the top-rated choices in 2025.
