Allianz UK Insurance Review 2026: Cover, Claims and Customer Service

About Allianz UK

Allianz was founded in Berlin in 1890 by Carl von Thieme and Wilhelm Finck and is today the largest insurer in continental Europe. The Allianz Group operates in around 70 countries, serves 125 million customers worldwide and is a constituent of the Euro Stoxx 50. The UK subsidiary, Allianz Holdings plc, dates back to 1924 as Cornhill Insurance and adopted the Allianz brand fully in 2001.

Allianz UK is one of the country's five largest commercial insurers, covering everything from corner-shop SMEs to FTSE 100 corporates and infrastructure projects. Since acquiring LV= General Insurance in 2019, Allianz also has a personal-lines book of around 6 million policies trading under the LV= brand.

The Allianz ArenaAllianz sponsors several of Europe's most iconic stadiums, including the Allianz Arena (Bayern Munich), the Allianz Stadium (Juventus) and the Allianz Stadium (Twickenham, home of the RFU since 2024).

Ownership and structure

Allianz Holdings plc is wholly owned by Allianz SE, listed on the Frankfurt Stock Exchange under the ticker ALV and part of the DAX and Euro Stoxx 50. The UK trading entities — Allianz Insurance plc, Liverpool Victoria Insurance Company Ltd (LV=GI) and LV Life Services Ltd — are authorised and regulated by the FCA and PRA.

Strategy: commercial leader and LV= consolidator

In the UK, Allianz is best known for commercial and specialty insurance. Its big bets since 2019 have been the consolidation of LV= General Insurance (acquired in stages, fully owned by 2020) and the demutualisation of LV= Life, completed in 2024 when Allianz acquired the savings, retirement and protection book from the policyholders.

In 2024 Allianz UK reported a combined ratio of 94.7% on personal lines and around £7.3 billion in gross written premiums. The group is investing heavily in commercial-line data analytics and rebuilding the LV= personal-lines platform onto Allianz's group systems.

Allianz insurance: cover and prices in 2026

Allianz UK runs two largely separate books: the Allianz commercial and specialty book sold by brokers, and the LV= personal-lines book sold direct and via aggregators. The headline product range is below.

The Allianz UK product range

Best for switchers

Most popular

Allianz Home (via LV=)

Personal home insurance is sold under the LV= brand, underwritten by Allianz. Buildings, contents or combined; three tiers and a Premier add-on for high-value items.

• Up to £1m buildings cover.
• Up to £100,000 contents on Premier.
• Optional home emergency add-on.

Top tier

Business insurance

Allianz Commercial

Allianz's flagship UK product: tailored cover for SMEs, mid-market companies and FTSE corporates. Property, liability, motor fleet, marine, engineering and cyber.

• Sold via brokers only.
• Tailored mid-market & corporate cover.
• Specialty lines (energy, marine, art).

Single or annual

Allianz Travel Insurance

Sold by Allianz Partners, the group's assistance arm. Single trip, annual multi-trip and longstay options; pre-existing medical conditions covered subject to screening.

• £10m emergency medical cover.
• 24/7 worldwide assistance.
• Pre-existing conditions cover available.

UK no. 1 pet

Cats, dogs, exotics

Allianz Petplan

UK's best-known pet-insurance brand, owned by Allianz since the 1990s. Covered for life policies for cats, dogs, rabbits and other exotic pets.

• Vet-fee limits up to £12,000 a year.
• No upper age limit at renewal.
• Cover for rabbits & exotic pets.

Specialty

Allianz Engineering

Lift, boiler, pressure-vessel and machinery breakdown inspections through Allianz Engineering, Inspection and Risk Consultancy (EIRC).

• Statutory engineering inspections.
• Machinery breakdown cover.
• Cyber and computer cover.

Specialty

Allianz Musical / Art

Niche specialty cover for musicians, collectors and high-net-worth households. Includes the well-known Allianz Musical Insurance for instruments and equipment.

• Cover for instruments worldwide.
• High-net-worth household cover.
• Specialist claims handling.

LV= or Allianz?If you have a UK personal-lines policy underwritten by Allianz, you almost certainly bought it under the LV= brand or one of its sister brands (Highway, Britannia Rescue). Direct Allianz-branded personal lines are no longer sold in the UK.

Making a claim with Allianz

Claims handling depends on the brand. For an LV= personal-lines policy, use the LV= claims numbers; for an Allianz Petplan policy, use Petplan's claims line; for a commercial policy, your broker normally lodges the first notification. Allianz publishes a quarterly claims report; in the last reported quarter LV= accepted 97% of motor claims and 95% of home claims.

For step-by-step instructions, premium ranges and customer reviews, see our dedicated guides on Allianz contact, Allianz home insurance and Allianz travel insurance.

Allianz online and broker portals

Allianz does not run a consumer-facing app for direct Allianz policies because most UK personal lines are sold under the LV= brand. Personal-lines customers use the LV= MyAccount portal and the LV= app. Commercial brokers use Allianz Quote & Buy, the broker portal that lets intermediaries trade most Allianz commercial products in real time.

• Personal-lines customers: use the LV= MyAccount portal and the LV= app.
• Petplan customers: use the Petplan MyAccount and claims portal.
• Commercial customers: your broker uses Allianz Quote & Buy on your behalf.
• Email: [email protected] for general queries; sensitive issues should be raised by phone.

Allianz Pet AppPet-insurance customers can submit photos of vet invoices through the Petplan app and get most claims paid within five working days, with the largest in-house pet-claims team in the UK.

Allianz customer service

Every important Allianz contact line is collected below. Numbers in Selectra blue are the ones most customers need on day one. All numbers are tapped to dial straight from a mobile.

Contact Allianz by phone

Contact Allianz online

• Personal lines: log in to LV= MyAccount or the LV= mobile app for documents and renewals.
• Petplan: log in to the Petplan customer portal at petplan.co.uk for claims and renewals.
• X (Twitter): send a DM to @AllianzUK for general queries (never share policy or payment details).
• Email: [email protected] for general queries; sensitive issues should be raised by phone.

Allianz head office address

Allianz Holdings plc, 57 Ladymead, Guildford, Surrey GU1 1DB. For policy correspondence and complaints, use the address on your policy schedule rather than the head office.

How to complain about Allianz

Raise the issue first with Allianz (or the relevant LV=, Petplan or commercial brand) by phone, in your online account or in writing. If Allianz does not resolve the complaint within eight weeks, or you receive a final response you disagree with, you can escalate the complaint to the Financial Ombudsman Service free of charge.

Is Allianz a good insurer? Reviews and ratings

Because Allianz UK trades almost entirely under partner brands in personal lines, the customer-facing scores tend to be reported under those brands. Petplan, Allianz's pet brand, is a long-standing Which? Recommended Provider with a 4.5/5 Trustpilot score. LV= motor and home consistently rank among the top three UK insurers in the Fairer Finance ratings. Allianz Commercial wins regular British Insurance Awards for SME and corporate cover.

The most common criticism in reviews is the post-acquisition migration of LV= systems to Allianz, which has produced some service hiccups during 2024 and 2025 as systems were rebuilt; service quality recovered as the migration completed in 2026.

If price is your priority, run an Allianz or LV= quote alongside our list of the best UK insurance providers before you renew.

Allianz news 2024–2026

• 2024: Allianz completes the demutualisation of LV= Life, acquiring the savings, retirement and protection book from policyholders.
• September 2024: Allianz becomes the official insurance partner of the RFU; Twickenham renamed the Allianz Stadium.
• 2025: LV= personal-lines systems migrated onto Allianz group platforms; service hiccups during the migration.
• 2026: Allianz UK extends AI-led claims triage across LV= motor and home and finalises the Allianz Engineering & Risk Consultancy (EIRC) digital platform.

Allianz timeline

• 1890: Allianz AG founded in Berlin by Carl von Thieme and Wilhelm Finck.
• 1924: Cornhill Insurance, Allianz's UK ancestor, founded in London.
• 1986: Allianz acquires Cornhill, gaining its first major UK foothold.
• 2001: Cornhill is rebranded Allianz; Allianz UK adopts the German parent's identity in full.
• 2019: Allianz acquires LV= General Insurance from Liverpool Victoria.
• 2020: Allianz becomes sole owner of LV= General Insurance.
• 2024: LV= Life demutualisation completes; Twickenham becomes the Allianz Stadium.
• 2025: LV= personal-lines systems migrated onto Allianz group platforms.
• 2026: AI-led claims triage rolled out across LV= motor and home.

Allianz FAQ