Car Insurance - FAQ's

What is policy excess?

Policy excess is the amount you pay towards repairs after an accidental damage or theft claim. If you increase the amount of the excess, you can reduce your premium. Excess does not apply to windscreen claims.

Who can drive my car?

Cover is restricted to persons named on the certificate, including the policyholder. There can be cover restrictions for drivers under a certain age. Open drive motor insurance policies are not normally issued but can be requested.

How can I use my car?

Most motor insurance policies cover social, domestic and pleasure use, including travel to and from work. Business use is available but must be specifically requested.

Will I be covered if I drive someone else's car?

Driving other people's cars is usually covered by a policy, but only for third party cover. Accidental damage and theft will not be covered. Make sure you request this cover if you need it.

Do I have to answer all questions?

Answer questions truthfully and fully. If you do not, you could make your motor insurance invalid and you may also be prosecuted under the Road Traffic Act.

I need to complete a form, are they available to print online?

The following forms are available to download at the bottom of this page; diabetes questionaire, additional driver's form, lost motor certificate declaration form, medical examiner's report form and change of cover declaration form.

What happens if my car is written off?

If your car is written off, you will be paid its market value at the time of the claim.

What is a No Claim Discount?

A No Claims Discount is equivalent to each years claim free driving in your own name up to a maximum of 5 years. This is deemed to be a full No Claims Discount.

Do I need to let you know that my children now have their provisional licences? And also that we will be using the car we have insured with you to teach them how to drive?

Yes. You need to contact us and complete an additional drivers form to add any driver to the motor insurance policy. There may also be further restrictions applied to the policy.

I have bought a new CD player for my car and I want it covered if it gets stolen. What do I do?

You need to let us know the details and the value of the accessory so we can add it to your policy. You will need to do this for all non-standard accessories you have on your car. Remember to also keep a record of the purchases. It is important that you disclose all non-standard accessories and modifications to Allianz to ensure you are fully covered in the event of a claim.

Can I have windscreen protection cover?

Yes, Windscreen cover can be selected for Comprehensive and Third Party Fire & Theft policies.