Aside from paying your premiums, you and the person you keep in charge of your vehicle need to ensure the safety of the vehicle. Examples of these are:
Not taking any willful, reckless actions that can cause damages or loss of your vehicle
Informing the police of incidents involving your vehicle such as arson, theft, etc.
Providing the full particulars of any claim made against you
Not starting repairs without Allianz’ prior approval
Alliance Insurance usually excludes the following:
Loss or damage to tyres unless they are damaged around the same time as other insured components of the vehicle
Standard depreciation and wear and tear of the vehicle
Any existing defects from bad workmanship and poor materials from manufacturing
Damages caused by calamities covered under the Earthquake Commission Act 1993
Check your policy thoroughly to know the full scope of your coverage when you sign up with Allianz.