Allianz
Refunds

Allianz
refund policy – how to claim your money back

Edited by:
Ajust Content Team
Last updated
July 8, 2025
Our AI curates essential insights from across the web, while expert human writers craft content that's clear and easy to understand.

How to get your money back using the
Allianz
refund policy

We’ll help you request a refund from
Allianz
, follow up if needed, and make sure it’s taken seriously.

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Edited by:
Ajust Content Team
Last updated:
July 8, 2025
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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.

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Allianz
?
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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.

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Allianz
refund processed faster?

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Allianz

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