Allianz Direct car insurance
Allianz Direct is an online insurer and part of the Allianz Group, one of the world's largest insurance companies. You take out your policy fully online and manage claims and changes through your personal account.
Compare car insuranceAbout Allianz Direct car insurance
Allianz Direct operates in several European countries, allowing it to share costs and keep premiums competitive. Until 2019, the insurer was known as Allsecur.
Everything about Allianz Direct is built around convenience and flexibility. You take out your car insurance entirely online, and manage changes and claims through your online account. You can cancel any day, without being tied to a fixed date. If your car is repaired through an affiliated repair shop (Tophersteller), you receive a temporary replacement car and a four-year guarantee on the repair work.
Allianz Direct is supervised by the AFM, the Dutch Authority for the Financial Markets. This means the insurer must comply with strict rules on consumer protection and financial services.
Pros and cons of Allianz Direct car insurance
Is Allianz Direct car insurance available in English?
The application process and policy management are in Dutch. Some customer service agents may be able to assist you in English, but this isn’t guaranteed. Your policy documents, including the terms and conditions, are issued in Dutch.
Do I need a Dutch-registered car to take out this policy?
Yes, your car needs a Dutch registration to be insured with Allianz Direct. This applies to any car insurer in the Netherlands, since Dutch car insurance is tied to the licence plate rather than to you as a driver.
If you’re importing a car from abroad, you can only take out car insurance once it has its Dutch registration (Dutch licence plate). Before that point, you’ll need to arrange temporary cover elsewhere, or through a specialist import insurer, for the period between purchase and registration.
Flexible cover, but a limited second car scheme
“Allianz Direct suits drivers who value flexibility. You choose your own excess (eigen risico), and the policy can be adjusted or cancelled at any time. One thing to keep in mind is the second car scheme, which is less generous than at many other insurers. This is worth factoring in if your household insures more than one car.”
Jean-Paul Würsten,
Car insurance expert
Premiums table 2026
Here’s what Allianz Direct charges for an average driver profile, as of September 2026. Every situation is different though. Fill in your details in our comparison tool to see your own premium.
| Premium* | Type of cover |
|---|---|
| € 39,12 | Third-party liability (WA) |
| € 41,37 | Third-party liability + limited cover (WA beperkt casco) |
| € 63,59 | Third-party liability + comprehensive cover (WA volledig casco / all risk) |
*These monthly premiums are based on car insurance for a Kia Rio (2014) for a 54-year-old driver from Amersfoort. The driver covers 10,000 kilometres per year and has five claim-free years. Latest update: 1-10-2026
Calculate your Allianz Direct premium
Several factors determine your Allianz Direct premium: your age, where you live, the car itself, your claim-free years and how many kilometres you drive each year. The cover you pick matters too. Third-party liability and third-party liability + limited cover both come with a fixed € 0 excess. With third-party liability + comprehensive cover, you choose your own excess instead. Pick a higher one, from € 250 up to € 1,000, and your monthly premium drops.
Enter your details and your car’s information into our comparison tool to calculate your premium instantly and compare Allianz Direct with other insurers.
Basic cover with Allianz Direct car insurance
Allianz Direct offers three different levels of protection for your car. The table below shows what is included with each option, so you can easily compare the differences.
| What is covered? | Third-party liability | Third-party liability + limited cover | Third-party liability + comprehensive cover |
|---|---|---|---|
| Damage to other people or their property | ✓ | ✓ | ✓ |
| Theft or burglary | ✕ | ✓ | ✓ |
| Windscreen damage | ✕ | ✓ | ✓ |
| Storm or fire damage | ✕ | ✓ | ✓ |
| Damage caused by yourself | ✕ | ✕ | ✓ |
| Vandalism | ✕ | ✕ | ✓ |
Additional coverage options
Allianz Direct offers several additional coverages to tailor your car insurance to your needs:
- Breakdown assistance (Pechhulp): covers roadside support anywhere in the Netherlands or the rest of Europe. A repair technician tries to fix the problem on the spot. If that’s not possible, your car is towed to a garage and you receive a replacement car in the meantime.
- Passenger insurance (Inzittendenverzekering): pays out for injuries or damaged belongings suffered by you or your passengers in an accident.
- Traffic legal assistance (Verkeersrechtsbijstand): provides legal support if a traffic incident leads to a dispute, whether that’s in the Netherlands or abroad.
- Extended new value cover (Verlengde nieuwwaarde): guarantees a full replacement value payout on a new car if it’s stolen or written off within three years of purchase. Without this add-on, that guarantee applies for just the first year.
- Extended purchase value cover (Verlengde aanschafwaarde): guarantees the full purchase price back on a used car if it’s stolen or written off within three years of purchase. Without this add-on, that guarantee applies for just the first year.
- Free choice of repair shop (Vrije reparatiekeuze): lets you pick your own garage for repairs, at no extra cost.
Claim-free years and the no-claims bonus ladder at Allianz Direct
Every year you don’t make a claim, you build up a claim-free year (schadevrij jaar). The more claim-free years you have, the higher your discount. Allianz Direct tracks this automatically, so there’s nothing you need to do yourself.
Most Dutch insurers use a no-claims bonus ladder (bonus-malusladder), a fixed table that sets your discount based on your claim-free years. Allianz Direct works differently: your claim-free years feed directly into the premium calculation instead. Allianz Direct argues this is fairer, since a fixed ladder can give drivers with similar records very different discounts. In practice, though, it also makes your premium harder to predict, and harder to compare with insurers that do use a fixed ladder.
Package discount at Allianz Direct
Unlike many other Dutch insurers, Allianz Direct doesn’t let you carry your no-claims discount over from your first car to a second one (tweede autoregeling). A second car insured with Allianz Direct is, however, eligible for a 2% discount through the Slim Geregeld package.
Conditions package discount at Allianz Direct
The table below shows the specific conditions of the package discount at Allianz Direct:
| Terms | Allianz Direct |
|---|---|
| Type of second car scheme | Partial |
| What discount do you receive? | Package discount |
| Maximum discount | 2% |
| Same discount as your first car | No |
| Second driver can build up claim-free years | Yes |
| All cars must be registered to one name | No |
| Cars must be registered at the same address | Yes |
| Policyholder or partner is a regular driver | Yes |
| Children living at home are eligible for the scheme | No |
What Autoverzekering.nl does for you vs. what Allianz Direct does
Taking out Allianz Direct car insurance through Autoverzekering.nl involves two separate parties, each with its own role. Our job is to help you compare and pick the right policy. From there, Allianz Direct takes over and manages the insurance itself.
Compare Allianz Direct car insurance
See how Allianz Direct stacks up against other insurers before you decide. Enter your details once, and you’ll get a side-by-side view of the premium, cover and terms.
Klanten over Autoverzekering.nl
Filing a claim with Allianz Direct
Reporting car damage with Allianz Direct works entirely online, through your personal account (Mijn Account). You upload the details, photos and documents yourself, and the claim gets assessed from there. If you get stuck, Allianz Direct’s customer service is reachable by chat.
Cancelling your Allianz Direct car insurance
Cancelling with Allianz Direct is done through your account too. Log in, select the right policy, and submit the cancellation. You can cancel on any day, and you stay covered until midnight on the day you cancel.
Switching to a different insurer through Autoverzekering.nl? Our free cancellation service takes care of notifying your current insurer for you.
Contact details Allianz Direct
Car emergency number:
020 592 9890
General customer service:
010 300 6540
Filing a complaint:
If you have a complaint about Allianz Direct, raise it directly with the insurer first. If the outcome isn’t satisfactory, you can escalate it to Kifid, the independent financial services complaints authority.
