Insurer Review

Allianz Car Insurance Review 2026

4.5(2,847 reviews)
Fast Claims, Wide Workshop Network

Allianz is one of the most trusted names in Malaysian car insurance, known for their extensive panel workshop network and consistently fast claims processing.

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What's Great

  • Over 500 panel workshops nationwide — largest network among insurers
  • Fast claims approval — most simple claims processed within 24 hours
  • Generous windscreen cover limit up to RM 2,000 without affecting NCD
  • 24/7 Allianz Road Rangers roadside assistance included in comprehensive plans
  • Strong financial ratings (A+ by AM Best) — reliable and stable
  • Both conventional and takaful options available

What Could Be Better

  • Premiums slightly above market average for basic comprehensive plans
  • Some add-ons (flood cover, all drivers) cost more than budget competitors
  • E-hailing coverage requires a separate plan — not available as an add-on
  • Betterment waiver not automatically included for older cars

Overall Rating

4.5/ 5
4.5(2,847 reviews)

About Allianz Malaysia

Allianz Malaysia is one of the country's leading general insurers, serving over 2 million customers with a strong focus on motor insurance. Their panel workshop network spans over 500 approved workshops nationwide, giving policyholders plenty of repair options. Allianz is known for leveraging technology to speed up claims — most straightforward claims are approved within 24 hours. They offer both conventional and takaful (Allianz General Takaful) plans, making them accessible to all Malaysian drivers. Their 'Allianz Road Rangers' roadside assistance programme covers towing, battery jump-start, and flat tyre changes 24/7 across Peninsular Malaysia.

Coverage Plans & Pricing

Estimated annual premiums for a standard 1,500cc sedan with 38% NCD. Final quotes may vary.

Allianz Comprehensive

Full protection covering own damage, theft, fire, third-party liability, and flood

RM 850 – 1,200/yr
  • Own damage repair
  • Theft & fire protection
  • Third-party liability (unlimited)
  • Flood & natural disaster cover
  • Windscreen up to RM 1,000
  • Personal accident (driver + passengers)
  • Allianz Road Rangers 24/7 roadside
  • Loss of use (courtesy car)
Family cars, new cars, drivers who value fast claims

Allianz Third Party Fire & Theft

Third-party liability plus fire and theft of your own vehicle

RM 450 – 650/yr
  • Third-party liability
  • Fire damage to own car
  • Theft of own car
  • Personal accident cover
Cars aged 10-15 years, moderate budget drivers

Allianz Third Party Only

Minimum legal coverage — covers damage to others only

RM 300 – 450/yr
  • Third-party bodily injury
  • Third-party property damage
Old cars (15+ years), lowest budget option

Available Add-ons

Optional extras you can add to your Allianz comprehensive plan.

Windscreen Coverage

RM 100 – 150/yr

Covers windscreen repair or replacement up to RM 2,000 without affecting NCD

Flood / Special Perils

RM 80 – 120/yr

Adds coverage for flood, landslide, storm, and other natural disasters

All Drivers Cover

RM 60 – 90/yr

Extends coverage when any named or unnamed driver drives your car

Passenger Liability

RM 35 – 55/yr

Covers legal liability for injuries to passengers

Towing & Roadside

RM 30 – 50/yr

Free towing up to 100km and roadside assistance (already included in comprehensive but can be extended)

Key Replacement

RM 25 – 45/yr

Covers cost of replacing lost or stolen car keys and reprogramming

Panel Workshops

Allianz has over 500 panel workshops across Malaysia, including major cities like KL, Penang, Johor Bahru, Kuching, and Kota Kinabalu. Their 'Preferred Workshop' programme lets you choose from top-tier workshops for guaranteed quality repairs using genuine parts. All panel workshops provide a warranty on repair work.

Allianz Claims Process

  1. 1Call the 24/7 Allianz claims hotline or file online via the Allianz Customer Portal
  2. 2Submit photos of the damage through the Allianz mobile app for quick assessment
  3. 3Receive claim approval notification within 24 hours for straightforward claims
  4. 4Send your car to any Allianz panel workshop for repair
  5. 5Collect your repaired vehicle — Allianz settles directly with the workshop

Most straightforward claims approved within 24 hours. Total repair time depends on damage severity and workshop schedule.

Best For

  • Family car owners
  • Drivers who prioritise fast claims
  • Those wanting the widest workshop network
  • New car owners (under 5 years)
  • Drivers in major cities with easy workshop access

Not Ideal For

  • Extreme budget shoppers (Kurnia/Etiqa may be cheaper)
  • E-hailing drivers (requires separate plan)
  • Drivers in very remote areas without panel workshop access

FAQ

How do I file a claim with Allianz?
Call their 24/7 hotline at 1-300-22-5542, use the Allianz Customer Portal online, or submit through their mobile app. Take photos of the damage and provide your policy number. Most claims are acknowledged within hours.
Does Allianz cover flood damage?
Yes, flood/special perils is available as an add-on to Allianz comprehensive plans, typically costing RM 80-120/yr extra. Without this add-on, flood damage is NOT covered under standard comprehensive insurance.
What is the Allianz windscreen cover limit?
Allianz offers windscreen coverage up to RM 2,000 per claim without affecting your NCD. The add-on typically costs RM 100-150/yr depending on your car model and windscreen value.
Can I use my own workshop instead of Allianz panel workshops?
Yes, but you may need to pay upfront and claim reimbursement. Using Allianz panel workshops means direct settlement — Allianz pays the workshop directly and you just collect your car.
Does Allianz offer electric vehicle (EV) insurance?
Yes, Allianz offers EV-specific comprehensive plans that include battery coverage, charging cable cover, and personal accident for charging incidents. Contact an Allianz agent for EV-specific quotes.

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