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Allianz

Name: Allianz Motor casco
Brand: Allianz
SKU: ireland-casco-allianz
Price: 281 EUR
Availability: InStock

Allianz is a motor casco insurance for the IE market with online purchase and 24/7 assistance.

Last verified May 19, 2026T&C from 2025-07-01Allianz p.l.c.

Online purchase24/7 helpline

Direct payment

Allianz settles repair claims directly with Aligned Repairers when the policyholder uses an approved garage. Direct billing is provided and no upfront payment is required by the customer for repairs carried out through the Aligned Repairer network.

Geographic scope

Full policy cover in Republic of Ireland, Northern Ireland, Great Britain, Isle of Man and Channel Islands; up to 60 consecutive days in EU countries and countries following EU directives per policy year. After 60 days only minimum legal cover applies. Breakdown assistance restricted to Republic of Ireland, Northern Ireland and Great Britain.

Starting from

€281

Unique selling points

Emergency service available 24/7 for all policyholders covering accident, fire, theft and attempted theft, including free replacement car for up to 14 days if the car is stolen.
No Claims Bonus is not affected by claims for fire, theft, vandalism or windscreen damage, protecting the policyholder's discount in common claim scenarios.
15% discount available when buying a new car insurance policy online, with additional multi-policy discounts for existing customers at the same Eircode.
Aligned Repairer network provides direct billing, a 3-year warranty on all repair work, and a courtesy car at no extra cost when repairs are carried out by an approved garage.
New car replacement benefit applies if the car is damaged to more than 60% of its value within 12 months of purchase as new and has not travelled more than 24,000 kilometres.

Coverage limits

Accidental Damage Cover

Covered

Covers loss or damage to the insured car and its accessories or spare parts caused by accidental means, vandalism or malicious damage. Payment is limited to the current market value or the sum insured, whichever is lesser at the time of loss or damage. Standard excess of €250 applies.

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Total Loss / Write-Off

Covered

If the vehicle is declared beyond economical repair or stolen and not recovered, a market valuation is placed on the vehicle prior to loss, taking into account mileage, condition, ownership and service history. Settlement is limited to the market value or sum insured at time of loss, whichever is lesser. New car replacement applies if the car is damaged to more than 60% of its value within 12 months of purchase and has not travelled more than 24,000 kilometres.

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Partial Loss / Repair

Covered

Covers repair costs for partial loss or damage to the insured car, its accessories and spare parts caused by accidental damage, fire, theft, vandalism or malicious damage. Repairs through Allianz Aligned Repairers include direct billing and a 3-year warranty. Standard excess of €250 applies. Using a non-aligned repairer requires an estimate to be submitted to Allianz.

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Theft and Fire Cover

Covered

Covers loss of or damage to the insured car, its accessories or spare parts caused by fire, lightning, explosion, theft or attempted theft. Payment is limited to the market value or sum insured at time of loss, whichever is lesser. Theft must be reported to An Garda Síochána. Emergency service available 24/7 for all policyholders in event of fire, theft or attempted theft. Replacement car provided for up to 14 days if car is stolen.

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Windscreen Cover

Covered

Optional cover for repair or replacement of windscreen, windows and roof glass (excluding panoramic roof glass for policies from 01/07/2025). No excess applies and no impact on No Claims Bonus when claims are processed through the Allianz Aligned Repairer network. Payment limited to €425 if a non-aligned repairer is used.

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Fire, Lightning and Explosion Cover

Covered

Covers loss of or damage to the insured car caused by fire, lightning or explosion as part of the standard fire and theft section. Included in both Third Party Fire and Theft and Comprehensive policies. Specific named storm or flood damage is not separately delineated; fire, lightning and explosion are explicitly covered.

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Vandalism and Malicious Damage

Covered

Covers damage caused by vandalism or malicious damage to the insured car, its accessories and spare parts. Included as part of comprehensive cover. Any claim payment for vandalism will not affect the policyholder's No Claims Bonus. Vandalism incidents should be reported to An Garda Síochána.

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Breakdown Assistance

Optional

Optional extra available for additional premium providing 24/7 roadside assistance including roadside and driveway assistance, journey continuation in Ireland. Covers mechanical or electrical breakdown (e.g. flat battery), punctures, keys broken in locks or locked in car, incorrect fuel type, running out of fuel, and electric vehicle running out of battery. Restricted to Republic of Ireland, Northern Ireland and Great Britain only. Not available for older electric cars under legacy policy terms.

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Replacement / Courtesy Car

Covered

A Class B courtesy car (Toyota Aygo or similar) is provided for up to 7 days when the insured car is repaired by an Allianz Aligned Repairer following an accident. If the car is stolen, a replacement car is provided for up to 14 days at no extra cost. Emergency service for replacement vehicle is available 24/7 for comprehensive policyholders in the event of an accident, and for all policyholders in the event of fire, theft or attempted theft. Value in days: up to 7 days for accident repair, up to 14 days for theft.

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Personal Accident Cover

Optional

Optional extra available with both Third Party Fire and Theft and Comprehensive policies. Pays €15,000 for death, loss of sight, loss of limb above wrist or ankle, or permanent total disablement suffered by the insured driver or any occupant of the insured car as a result of an accident involving the insured car. Also includes temporary total disablement benefit of €60 per week for up to 50 weeks, and medical, surgical and hospital fees of €150 per week for up to 10 weeks. The driver of the insured car must be covered under the policy. No cover if the driver was under the influence of drink or drugs at the time of the accident.

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Key conditions

driver_age_experience_limit

Open driving covers any driver aged 30 to 70 with a full clean driving licence (up to 6 penalty points with no more than 2 offences). Driving other cars extension is available on request for policyholders over 25 years of age only, providing third party cover when driving another private car. Temporary additional drivers may be added free of charge for up to 30 days provided the person is over 25 years of age, holds a full driving licence and is claim/convictions free.

repair_network_requirements

Allianz operates an Aligned Repairer network for claim settlements. Using an Aligned Repairer provides direct billing, a Class B courtesy car for up to 7 days, and a 3-year warranty on all repair work. For windscreen claims, use of an aligned repairer means no excess and no impact on No Claims Bonus; a non-aligned repairer results in a payment limit of €425. For general repairs, a non-aligned repairer requires an estimate to be submitted to Allianz. No obligation to use aligned repairers, but benefits are reduced for non-aligned repairers.

territorial_scope

Full policy cover applies in the Republic of Ireland, Northern Ireland, Great Britain, Isle of Man and the Channel Islands. Cover automatically extended for up to 60 consecutive days per policy year in any EU country and countries meeting EU minimum insurance requirements, including travel by air, rail or sea between these countries. After 60 days only the minimum legal level of cover required in those countries applies. Breakdown Assistance (if included) is restricted to the Republic of Ireland, Northern Ireland and Great Britain only.

anti_theft_requirements

Theft of vehicle and keys must be reported to An Garda Síochána. Stolen keys not reported to An Garda Síochána are excluded from lock and key replacement cover. Maximum payment for replacing or recoding locks, keys or similar devices is €1,525 if stolen during a break-in, assault or threat of violence.

claim_notification_deadline

Claims must be reported to Allianz as soon as possible. If any person is injured, the accident must be reported to An Garda Síochána whether they attend or not. The registration and insurance details of all parties must be obtained. Documents supporting proof of No Claims Bonus must be submitted within 30 days of policy activation. Any writ, summons or legal document must be sent to Allianz as soon as possible. Any impending prosecution, inquest or fatal inquiry must be notified immediately.

deductible_rules

Standard motor excess is €250; the applicable excess may vary depending on the type of loss or policy. No excess applies for windscreen claims processed through an Aligned Repairer network. Voluntary and compulsory excess amounts are detailed on the individual policy schedule. Higher excess results in lower premium.