COMMITTED TO GIVING BACK TO THE COMMUNITY

Welcome to Ansvar

Ansvar is proudly owned by the Benefact Group and united by a common purpose to give all available profits to charity and good causes.

Ansvar has donated to over 300 charities, contributing $15 million in grant funding to help disadvantaged youth in need through our Community Education Program making a real difference and enriching the lives of thousands of vulnerable young Australians.

So if you need insurance, why not insure through a provider that genuinely cares and gives back to our local communities!

CHOOSE THE COVER YOU NEED

Ansvar Insurance Has You Covered

Car Insurance

With a 24/7 claims notification service, a monthly payment option and a choice between Comprehensive and Third Party Property Damage cover, you have the flexibility to choose and manage your car insurance in a way that suits you.

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Home Insurance

Save when you quote and buy a new home insurance policy online1, receive a further discount on your premium by combining your building and contents2,3, potentially qualify for a no claim bonus4 and pay by the month at no extra cost5.  All great ways to save by insuring through Ansvar.

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Landlord Insurance

Feel at ease knowing your property investment including the buildings and contents you provide for your tenants use are covered from loss or damage by insured events.

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Renters Insurance

Make sure you have the necessary insurance for your home contents so they are covered for events such as a fire, burglary, theft or a storm6. Contents Insurance through Ansvar is designed to provide the cover for you when these unexpected events happen.

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Caravan & Trailer Insurance

By insuring your caravan or trailer through Ansvar, you will not only be covered for accidental loss or damage to your caravan or trailer Australia wide but if you experience a total loss of your caravan or trailer that is less than 2 years from your first registration, you’ll receive a new for old replacement7.

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Things You Should Know (Disclaimers)

Ansvar Insurance Limited ABN 21 007 216 506 AFSL 237826 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement. The relevant Target Market Determination is also available by calling 1300 650 540.

If you purchase this insurance, Ansvar will receive a commission that is a percentage of the premium. Ansvar may participate in sales incentive schemes including profit share arrangements with Allianz. Allianz may provide other benefits to Ansvar and its employees, such as promotional items, marketing fees for its products and business related conferences, which are provided to us at no additional cost to you. Ask us for more details before we provide you with services.

1. Online discount

Home Insurance: When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply.

Landlord Insurance: When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.

2. Combined
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn’t apply to any flood component of the premium (where covered) or to the optional Portable contents (if selected) and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.

3. Minimum premium

Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount.  Discounts do not apply to government taxes and charges.

Most discounts won’t apply below the minimum amount payable for the policy.

4. No claims bonus

When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.

The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected) or Portable contents (if selected).

The No Claim Bonus isn’t applied to the flood component of the premium (if covered), or Landlord workers’ compensation (if available and selected).

5. Instalment premiums
If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

6. 72 hours exclusion period

We may not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, and certain other insured events during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to the PDS for a full list of the insured events to which the 72 hour exclusion period applies and the relevant exceptions.

7. New replacement after a total loss

If a replacement caravan or trailer in the same make, model and series is not currently available, we’ll pay you either the market value or agreed value of your caravan or trailer, whichever is shown in the current schedule.