Waiting on a
Allianz
refund? Let’s make sure you get it.

We’ll break down the
Allianz
refund policy, help you understand your rights and take action if something's wrong.

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Edited by:
Ajust Content Team
Last updated:
July 22, 2025
AI-sourced. Human-edited. Made clear for you.

Can you get a refund from
Allianz
? Check eligibility first

Key criteria for refunds at Allianz Australia include:

  • Cooling-Off Period:
    Allianz provides a cooling-off period (21 days for Car, 14 days for Home, Boat, Caravan, Travel; 30 days for Life Insurance). Cancel within this window, with no claims made, for a full refund.

  • Pro-Rata Refund After Cooling-Off:
    Cancel after the cooling-off period, and Allianz refunds your unused premium proportionally. For example, cancel mid-year and get roughly 50% back.

  • No Cancellation Fees:
    Allianz explicitly does not charge any cancellation fees, a clear advantage compared to some competitors.

  • Claims Impact:
    No refund if a total loss claim has been paid. Partial refunds can be reduced if other claims have been lodged.

  • Specific Product Rules:\

    • Travel Insurance: Full refund if cancelled pre-trip and within cooling-off; pro-rata refunds afterward (no claims).

    • CTP Insurance: Refund linked to vehicle de-registration proof.

    • Life/Health Insurance: Pro-rata refunds if no claims. Specific conditions for Overseas Student Health Cover.

  • Government Charges:
    Allianz may deduct unrecoverable government duties or taxes from your refund.

How to get a refund from
Allianz

Follow these clear steps for a quick Allianz refund:

1. Gather Your Policy Information:
Have your policy number, details, and payment method ready.

2. Contact Allianz Customer Service:

  • Call 13 1000 (Mon-Fri, 8am–9pm AEST)

  • Use Allianz Contact Us online form or live chat

3. Verify Identity and Policy Details:
Provide name, policy number, address, and possibly security details.

4. Confirm Cancellation and Eligibility:
Allianz agent checks refund eligibility, confirms amount (full or pro-rata), and explains next steps clearly.

5. Receive Cancellation Confirmation:
You'll get an email or letter confirming cancellation and the refund amount.

6. Wait for Refund Processing:
Refund typically arrives within 5–10 business days depending on payment method.

Tip: Actively contact Allianz; just stopping payments does not automatically trigger a refund.

Allianz
’s refund timeframe - how long it takes

Typical refund processing timelines at Allianz:

  • Processing Period:
    Usually 5–10 business days from cancellation confirmation.

  • Refund Arrival:

    • Credit Card: Typically within a few days; might align with your card’s billing cycle.

    • Direct Bank Deposit: Usually within 3–7 business days.

    • Cheque (rare): Longer due to postal delivery and bank clearing.

  • Potential Delays:

    • Outstanding balances or claims resolution may slightly delay refunds.

    • Incorrect or outdated bank details can cause hold-ups - verify with Allianz if delayed.

Follow Up if Delayed: If your refund isn't received within two weeks, contact Allianz promptly.

Allianz
’s refund methods - how you'll get your money back

Allianz offers straightforward refund options:

  • Original Payment Method:
    Refund credited directly back to your credit/debit card or via direct bank deposit if you originally paid by bank transfer.

  • Cheque (Paper Cheque):
    Issued only if electronic methods aren’t possible (e.g., expired credit card). Less common and slower.

  • Monthly Payments Adjustments:
    If paying monthly, Allianz simply stops future charges, refunding any partial month paid upfront.

Note: No store credit or vouchers; refunds are always monetary.

Common refund issues with
Allianz

Avoid these common pitfalls when seeking refunds:

  • Not Formally Cancelling:
    Stopping payments doesn’t trigger automatic refunds. You must explicitly cancel via Allianz.

  • Card or Bank Account Issues:
    Expired cards or closed bank accounts can delay refunds. Provide current details upfront.

  • Cooling-Off Period Confusion:
    Full refunds only apply if cancelled within the exact cooling-off timeframe. Missing by even one day shifts to pro-rata refund.

  • Claims Reducing Refund:
    If you had a claim, particularly a total loss claim, refunds are reduced or unavailable. Manage your expectations accordingly.

  • Government Charges Deduction:
    Allianz deducts non-refundable stamp duty or levies. The refund might be slightly lower than strict pro-rata.

  • Direct Debit Timing Issues:
    Cancelling close to your payment date might result in an extra charge and then a later refund.

Tip: Clearly document your cancellation request and follow up if needed.

Real
Allianz
 Complaints Submitted Through Ajust

Real
Allianz
 refund cases – what worked for other customers

Quick Car Insurance Refund: “Cancelled my car insurance mid-year after selling my vehicle. Allianz refunded in about five business days."

Travel Insurance Cooling-Off: “COVID-19 cancelled our travel plans. Allianz fully refunded our travel insurance premium within three days. It was very straightforward.”

Delayed Refund Resolution: “My refund was delayed due to a small admin error with my bank details, but once I contacted Allianz, they quickly sorted it out.”

How
Allianz
 Refund Policy Compares to Competitors

  • Allianz: 14–30 days cooling-off; no cancellation fee; pro-rata refunds; transparent, straightforward customer experience.

  • Budget Direct: 21 days cooling-off; ~$40 cancellation fee; pro-rata refunds; lower refunds due to fees.

  • NRMA (IAG): 21 days cooling-off; no cancellation fee; pro-rata refunds; slightly easier online cancellation process.

  • Youi: 20 days cooling-off; potential hidden short-rate fee; pro-rata refunds with possible deductions; less transparency on refund amounts.

  • AAMI: 21 days cooling-off; no cancellation fee; pro-rata refunds; similarly customer-friendly policy.

Allianz’s key advantages: No cancellation fees, transparent pro-rata refund calculation, and competitive cooling-off period.

Allianz
Refund FAQs

You deserve your money back, don’t let it slip away.

Take two minutes to file a formal

Allianz

refund request that gets seen.