Car insurance offers financial protection and peace of mind to car owners against unforeseen circumstances. However, with so many different insurance companies and policies to choose from, it can be difficult to know which one is right for you. Hence it is important to know all your options before you commit.
Allianz Comprehensive Motor Insurance is a popular choice for car owners seeking extensive coverage. It offers a wide range of coverage options, including third-party liability, own damage, and roadside assistance.
To help you make informed decisions, we will highlight key features and explore the pros and cons of Allianz Comprehensive Motor Insurance.
What does Allianz Comprehensive Motor Insurance cover?
Allianz Comprehensive Motor Insurance includes the following key features:
Extensive Coverage
Allianz Comprehensive Motor Insurance offers a broad range of coverage options, including personal accident coverage for damage to your car due to accidents, theft, natural disasters, and vandalism. It also covers third-party liabilities and protects you from potential legal and financial consequences if you cause damage to someone else's property or injure another person in an accident.
Optional Coverage
While the basic policy already has comprehensive coverage, Allianz still offers additional add-ons for enhanced protection.
Below are optional benefits you may want to add to your policy:
- Windscreen damage
- Passenger liability cover
- Special Perils such as floods, typhoons, hurricanes, storms, tempests, volcanic eruptions, earthquakes, landslides, landslips, subsidence or sinking of the soil/earth or other convulsions of nature
- Strike, Riot and Civil Commotion
- Compensation for Assessed Repair Time (CART)
- E-Hailing cover (1-year coverage for e-hailing activities such as Grab).
You can customize the insurance packages to suit your specific needs.
No Claim Bonus (NCB) Protection
On top of all the above add-ons, Allianz also offers a No Claim Bonus protection add-on that allows policyholders to retain their NCB even after making a claim. This feature is useful if you want to safeguard your accumulated NCB discounts to reduce the cost of your car insurance premiums in the future.
Access to Allianz Road Rangers
If you’re wondering whether Allianz Comprehensive Motor Insurance includes roadside assistance, the answer is YES and it's known as Allianz Road Rangers. The 24/7 free roadside assistance service is offered to all Allianz Comprehensive Motor Insurance policyholders in Malaysia.
This service provides various benefits, including towing, jump start, lockout service and even fuel delivery. Policyholders can simply call Allianz's toll-free hotline number 1-800-22-5542 when they require assistance. This feature can be a lifesaver, especially during long trips or when you’re in unfamiliar areas.
Now that you have an idea of what you're going to get with Allianz Comprehensive Motor Insurance, let's factor in the pros and cons of the policy to see if Allianz Car Insurance is worth it.
What are the Advantages of Allianz Comprehensive Motor Insurance?
Wide range of coverage options
Allianz Comprehensive Motor Insurance really lives up to its name. Allianz offers a variety of coverage options, so you can choose the level of protection that is right for you. This includes third-party liability, own damage, and roadside assistance.
You can also customize the insurance policy to suit your specific needs. From damage caused by natural disasters to those caused by your own negligence, Allianz has got you covered.
For more details on Allianz Comprehensive Motor Insurance benefits, click here.
Good customer service
Allianz Good Comprehensive Motor Insurance has a good reputation for customer service. They have a customer service hotline that is available to answer customer inquiries. You can also navigate through their website easily to look for information as shown below:
Roadside Assistance
The Allianz Road Rangers is the icing on the cake of this insurance policy. Imagine being stranded on the side of the road with a flat tire or a dead battery. You call Allianz Road Rangers, and they will send a tow truck or a jump-start service to your location. They have you covered no matter what roadside assistance you need.
While Allianz Comprehensive Motor Insurance boasts several advantageous features, let's explore some potential drawbacks and limitations of this insurance policy.
What are the Disadvantages of Allianz Comprehensive Motor Insurance?
Cost
Comprehensive coverage insurance comes with higher premiums, and Allianz Comprehensive Motor Insurance falls under this category. It might be relatively more expensive than other provider’s basic insurance plans, but the cost can vary depending on factors such as the insured vehicle's make and model, the driver's age, and driving history.
Slow Claim Process
The claims process can be slow at times, especially if you are making a claim for a large amount of money. This could be a concern for those seeking quick and hassle-free claim settlements.
Geographical Restrictions
Depending on your policy, there might be geographical restrictions that limit coverage to certain areas or regions. This could be problematic for those who travel frequently or live in areas that are not covered by the policy.
Final Thoughts: Is Allianz Insurance Worth It?
Allianz Comprehensive Motor Insurance is a perfect option for car owners who are seeking extensive protection. The inclusion of features such as roadside assistance, personal accident cover, and customizable add-ons sets it apart from other basic insurance policies.
However, you might want to consider the cost, claim process and geographical restrictions before making any decision. As with any car insurance purchase, comparing quotes and understanding your specific needs is essential to find the best coverage that fits your requirements and budget.
Ready to explore your car insurance options and find the best deal? Look no further than the CompareHero platform for efficient comparison of multiple providers. With CompareHero's user-friendly interface, it’s easier to compare various providers' key benefits, saving you from the hassle of managing each one individually. In contrast, dealing directly with insurance providers might involve complex negotiations and increase the risk of overlooking important details.
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