Allianz ranks as the world's #1 insurance brand. While they have operated in the UK for many years (and own other major UK household names like LV= and Petplan), they have recently launched a direct-to-consumer home and car insurance product under their own flagship Allianz brand.
Their new UK home insurance offering is designed as a digital, self-serve product. The goal is to give customers full control over their policies via a seamless online portal, which allows Allianz to ditch the dreaded administration fees for mid-term changes.
You can get independent advice and a personalised quotes comparison of Allianz home insurance deals from one of our expert advisers below:
Get home insurance quotes and advice today!
You can use our expert advisers to compare home insurance deals from Allianz with products from other providers across the market.
They will round up personalised quotes from Allianz and alternative providers and offer bespoke advice on which one to choose.
To get started, fill in our quick online form below and one of our expert home insurance advisers with be in touch today!
What type of home insurance do they provide?
Because the product is designed to be managed easily online, Allianz keeps its structure very clear. They offer three distinct tiers of cover: Allianz Online Bronze, Allianz Online Silver, and Allianz Online Gold.
Buildings insurance
This covers the structure of your property, including the roof, walls, windows, and permanent fixtures like fitted kitchens.
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Cover limits: * Bronze: Up to £500,000 rebuild cover
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Silver & Gold: Up to £1 million rebuild cover
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Trace and Access: If you have a hidden water leak, all tiers include cover to help find it and fix the damage caused by the search. Bronze and Silver cover up to £5,000, while Gold increases this to £10,000
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Unoccupied period: Allianz is very generous regarding empty properties, allowing your home to be unoccupied for up to 60 consecutive days before cover for theft or water damage is restricted (standard market average is just 30 days)
Contents insurance
This protects your household goods, furniture, gadgets, and personal belongings.
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Cover limits: * Bronze: Up to £50,000
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Silver: Up to £100,000
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Gold: Up to £150,000
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Working from Home: They naturally accommodate modern lifestyles. Office equipment is covered up to £1,000 on Bronze, £5,000 on Silver, and £10,000 on Gold
Combined home & contents cover tiers
Here is a quick look at how the three tiers stack up:
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Allianz Online Bronze: Covers the absolute basics (fire, theft, storm) with solid but capped limits. It excludes Accidental Damage, Home Legal, and Home Emergency cover
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Allianz Online Silver: Rated 5 Stars by Defaqto. It doubles your contents limit, adds accidental damage cover for fixtures/fittings (like dropping something in the bath), and increases alternative accommodation cover to £75,000 if your home is uninhabitable
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Allianz Online Gold: The fully comprehensive package, also rated 5 Stars by Defaqto. It includes Full Accidental Damage, Home Emergency, and Home Legal Expenses as standard, plus higher limits across the board
How Allianz calculates premiums
Allianz relies on its vast global data networks and advanced risk profiling to calculate premiums. Key factors that influence your price include:
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Location: The risk of local flooding, storm exposure, and neighbourhood crime rates
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Property Size and Rebuild Cost: Larger homes inherently cost more to repair or rebuild
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Security: Solid locks, burglar alarms, and good property maintenance can help lower your price
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Self-Serve Model: Because Allianz encourages you to manage your policy online rather than calling a call centre, they are often able to keep their base premiums highly competitive
Calculate how much home insurance cover you need
Our free home insurance calculator can give you an idea of the level of cover you need to seek, whether you're opting for building only, or comprehensive home insurance with contencts included:
Allianz Online Home Insurance Customer reviews
Since rebranding and pushing the direct Allianz offering in the UK, they have rapidly built a strong consumer profile.
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Trustpilot: The Allianz UK brand holds an Excellent rating (typically scoring around 4.4 or 4.5 out of 5 based on tens of thousands of reviews). Customers routinely praise the clean, easy-to-use online portal and the highly competitive renewal pricing
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Defaqto: Both the Silver and Gold tiers have been awarded the maximum 5 Stars, giving you peace of mind that the policy wording is robust and lacks nasty hidden exclusions
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Claims: As a massive global insurer (and the parent company of LV=), their claims infrastructure is vast, well-funded, and efficient
How to get an Allianz home insurance quote
You can buy Allianz Online Home Insurance directly via their website or through popular price comparison platforms. However, depending on your property type, you might find that an alternative 5-star policy is actually cheaper for your specific postcode, or that another insurer includes features like Home Emergency on their mid-tier policies rather than just their top tier.
To ensure you are getting the absolute best value and the right cover limits for your home, it is wise to compare an Allianz quote against the wider market.
At Money Helpdesk, our home insurance experts can help you review your options. If you are wondering whether Allianz is the right choice for your home insurance, get in touch and we will review this for you.
FAQs
Yes, subsidence, heave, and landslip are covered as standard under the buildings policy, provided your home has no prior history of structural issues. As is standard across the entire UK market, a higher mandatory excess (typically £1,000) applies to subsidence claims.