[BardM]

Just came across this post – I’m in a similar situation now with my VW insurance being moved to Allianz and I'm wondering the same things. Would love to hear any updates or experiences others have had since this was first posted, especially regarding how easy (or not) the online-only system is to deal with. Thanks in advance

I'm not with Allianz but NFU Mutual Insurance (not just for farmers). They send paper. Not the cheapest but win Which awards for claims service. Lovely people in their call centre which is in Scotland not India. Last I heard they made no admin charge for mid term adjustments and a two year replacement period from date of first registration if your one or two year old car is written off.