Allianz p.l.c.

Driver age and experience limit

No universal minimum age is published for the standard policy; optional extras carry their own age limits, e.g. 'Driving Other Cars' requires the policyholder to be 25 or over, and 'Open Driving' cover requires drivers aged 30 to 70 with a clean licence.

Repair network requirements

Claims processed through Allianz's Aligned Repairer/Windscreen Repairer network avoid excess charges and payment caps (e.g. unlimited windscreen repair cost); using a non-aligned repairer limits windscreen payment to €425, and a courtesy car is generally only provided when Allianz's choice of repairer is used.

Territorial scope

Cover applies while driving in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands, and automatically extends for up to 60 days per policy year to EU countries (minimum legal cover only thereafter); Breakdown Assistance is limited to the Republic of Ireland, Northern Ireland and Great Britain.

Anti-theft requirements

There is no stated mandatory anti-theft device requirement in the reviewed sources; however, stolen keys must be reported to An Garda Síochána before a claim for replacement locks or keys can be processed.

Claim notification deadline

Policyholders and insured drivers must advise Allianz at their first opportunity of any incident that could lead to a claim; a car reported missing must remain missing for 14 days before Allianz will treat it as stolen, unless Garda confirmation of total loss allows earlier settlement.

Deductible rules

The standard motor excess is €300, though this may vary depending on the type of loss or type of policy; no excess applies to a valid windscreen claim and it does not affect the No Claims Bonus.

Breakdown Assistance

Roadside and driveway assistance with journey continuation support, included on Comprehensive policies and available as optional extra on third party policies

Windscreen Cover

Automatic windscreen replacement cover for Comprehensive policies; optional extra for Third Party Fire and Theft. No excess applies when using approved windscreen repairers.

Emergency Service

24/7 emergency roadside assistance available for fire, theft, and attempted theft for all policyholders; available for accidents only with Comprehensive cover

Replacement Locks and Keys

Coverage for replacement of locks, keys or similar devices if stolen during break-in, assault or threat of violence. Maximum payment of €1,525 per claim.

European Territorial Cover

Standard cover extends to EU countries and countries with EU Directives for up to 60 days per policy year; covers minimum legal requirements after 60 days

New Car Replacement

Car will be replaced as new if damaged to extent greater than 60% within 12 months of purchase and has not travelled more than 24,000 kilometres

Driving Other Cars

Third party only cover available for driving other private cars; restricted to drivers aged 25 and over; cover limited to Republic of Ireland only

Loaned Car Cover

Automatic cover for loaned cars from garage while insured car is being serviced/repaired for up to 7 days; auto-transfer to certificate of insurance

Personal Effects Cover

Optional additional cover for loss/damage to personal effects (rugs, sports equipment, clothing) while in car; maximum €775 per incident

Step-Back No Claims Discount Protection

Within any consecutive 3-year renewal period, one claim up to €10,000 results in NCD step-back by 3 years instead of reverting to zero; requires minimum 4-year NCD to activate

Trailer and Horsebox Coverage

Third party liability cover for towing trailers/horseboxes included automatically; accidental damage cover for trailers available as optional add-on for Comprehensive policies only

Repair Network and Claim Conditions

Certain claim payments (windscreen, fire, theft, vandalism) processed without excess when using approved Allianz repair network; courtesy car not provided for windscreen claims outside Ireland

Standard Excess and Variation

Standard motor excess is €300; may vary depending on cover type and loss type; specific excess amounts detailed in policy schedule and full policy document

Vehicle Roadworthiness and Maintenance Condition

Policyholder must maintain vehicle in roadworthy condition with valid CVRT (Commercial Vehicle Road Tax) where legally required; failure may void claim

Theft Loss Notification and Claims Procedure

Car must be reported missing for 14 days after notification before Allianz will consider it lost by theft; earlier settlement possible if police confirm total loss