Allianz is a relatively new player in the UK car insurance market, they were previously known as Flow in the UK until 2024. Allianz has tailored its car insurance to offer a bespoke EV policy for electric car owners. With a focus on simplicity and value, Allianz’s EV insurance provides an affordable product that works for electric and hybrid vehicles.
Is Allianz Car Insurance Right for Your EV?
Digital Self-Service and Cost Savings
Allianz offers a fully digital self-service platform, allowing customers to manage their policies online, anytime. This paperless approach is great for the environment and also provides cost savings, which are passed on to the EV owners. Whether you need to update your personal information, adjust your coverage, or review your policy details, everything can be done online.
Comprehensive Windscreen and Glass Cover
For EV owners, the risk of damage to the car’s glass components is fully covered under Allianz’s windscreen cover. This includes all the glass on your vehicle, ensuring that any damage is quickly repaired or replaced, though an excess does apply.
24/7 Claims Support and Guaranteed Repairs
Allianz UK-based claims service is available 24/7. Additionally, Allianz guarantees all repairs for as long as you own the car, provided you use their recommended repairer service.
Comprehensive Coverage Tailored for EVs
Allianz offers a single, robust level of comprehensive car insurance on an annual basis, it’s one of the best ev car insurance policies in the UK market as it is specifically designed to meet the needs of electric vehicle owners. This coverage includes:
- Injury and Property Damage: If you’re involved in an accident, Allianz covers injuries to others and property damage up to £20 million.
- Fire and Theft Protection: Your vehicle is covered for damage from fire, lightning, explosions, or theft, up to the market value of the car.
- Accidental Damage: In the event of an accident, Allianz provides coverage for repairs or replacement, ensuring your car is restored to its pre-accident condition.
- In-Car Equipment: Unlimited cover is provided for manufacturer-fitted in-car equipment, ensuring that any original entertainment or navigation systems are repaired or replaced.
- Replacement Locks and Keys: If your keys are stolen, Allianz covers the cost of replacing the locks and ignition devices, provided they weren’t left in or near the car at the time of theft.
- Windscreen and Glass Cover: Allianz covers the repair or replacement of your windscreen, window glass, and sunroof, offering comprehensive protection for all glass elements of your vehicle.
Additional Features
Allianz goes beyond standard EV cover to include a range of extra features:
- Personal Accident and Medical Expenses: The policy includes personal accident coverage for you and your partner, as well as medical expenses up to £250 following an accident. Additional coverage is provided for road rage incidents or aggravated car theft, with up to £500 available.
- Vandalism Protection: If your car is vandalised, Allianz ensures that you won’t lose your no-claims bonus or have to pay an excess, provided you report the incident to the police and provide a crime reference number.
- Guaranteed Hire Car: Allianz includes a guaranteed hire car as standard, ensuring you have a temporary replacement vehicle while your car is being repaired at an approved garage.
- Motor Legal Protection: The policy covers up to £100,000 in legal costs, helping you pursue claims against uninsured drivers or defend yourself in motor-related legal disputes.
Family Package and Optional Extras
For an additional £6 per year, Allianz offers a Family Package that includes child car seat cover, aftermarket in-car equipment protection, and onward travel benefits. Other optional extras include:
- Breakdown Cover: Starting at £32 annually, you can choose from local, national, or European EV breakdown cover.
- Protected No-Claims Bonus: Allianz allows you to protect your no-claims discount, ensuring it remains intact regardless of the number of claims you make, provided you have accumulated at least four years of no-claims bonus.
Making a Claim
If you need to make a claim, Allianz’s UK-based claims line is available 24/7. The process is straightforward:
- Ensure Safety: First, check that everyone involved in the accident is safe.
- Exchange Details: Swap details with other drivers and gather relevant information about the incident.
- Contact Allianz: Report the incident to Allianz as soon as possible, even if you’re unsure about making a claim.
- Follow Instructions: Allianz will guide you on the next steps, whether that involves driving to an approved repairer or waiting for assistance.
Cancellation and Customer Support
If you need to cancel your Allianz car insurance, you can do so through your online account. There’s no fee if you cancel within 14 days of the policy start date, but a £40 fee applies if you cancel after 14 days. For any other queries or complaints, Allianz provides various contact options, including a dedicated address for written complaints.
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John is the Editor and Spokesperson for Electric Car Guide.
With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.
John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.
