Car Insurance

Comprehensive Motor Insurance

Our comprehensive car insurance covers you for the loss or damage to your own vehicle, as well as for damage you may cause to another person's property. For those seeking the maximum protection, our comprehensive car insurance offers a range of features including: 

• Rating Protection
• No fault no excess^
• No Claim Bonus discount up to 65%*^@
• Restricted driver discount*
• Safe driver discount^*+
• Increase your excess to reduce your premium
• Free hire car (if vehicle is stolen) 

For your convenience you can pay your premium annually or if you prefer you can pay by the month. If you choose to pay by the month, simply nominate your preferred financial institution and have your premium deducted in monthly instalments by Direct Debit with no additional policy fee^# or pay by Credit Card.

To obtain a quote for comprehensive car insurance call 1800 729 513 or request a quote online. 

Download a copy of the: 

• Ansvar Insurance Prestige Motor Vehicle Product Disclosure Statement, Supplementary Product Disclosure Statement and Financial Services Guide.

Ansvar Insurance comprehensive car insurance features

Policy Features	Motor Vehicle  Prestige	Motor Vehicle  Classic
New replacement vehicle if your new vehicle (less than two years old) is a total loss
Cover for damage to other people's property (legal liability)	Up to $20,000,000	Up to $20,000,000
Legal Liability cover when using a substitute vehicle
Legal costs
Rental car following theft ($75 per day limit)	up to 14 days	up to 14 days
Towing
Vehicle being transported by ship
Trailer and caravan cover	up to $1,000	up to $500
Emergency repairs	up to $500	up to $350
Personal effects or clothing	up to $500	up to $500
Transportation costs	up to $400	up to $200
Re-keying and re-coding	up to $1,000	up to $500
Emergency accommodation costs	up to $400	N/A

This is a summary only of some of the policy features available on these policies. Full details of policy coverage are available in the relevant Product Disclosure Statement (PDS) and applicable Supplementary PDS.

Online quote is available for Motor Vehicle Classic policy only.

Motor Vehicle Prestige policy is available only through the Ansvar Insurance customer contact centre.

 To obtain a quote for motor vehicle insurance call 1800 729 513, or request a quote online.

Third Party Fire and Theft Motor Insurance

Although you might think that your car is not worth insuring under our Comprehensive cover, it's important to remember the damage that your vehicle can cause to someone else's property.

Our Third Party, Fire & Theft policy not only protects you against claims for damage that your car causes to another person's vehicle or property, you are also covered for damage to your car caused by fire or theft.

In selecting this insurance you automatically obtain cover for damage to your vehicle of up to $4,000 where you can identify the person responsible for the damage and that the person is uninsured.

To obtain a quote for third party car insurance or fire and theft car insurance call 1800 729 513 or request a quote online. 

Download a copy of the: 

• Ansvar Insurance Classic Motor Vehicle Product Disclosure Statement, Supplementary Product Disclosure Statement and Financial Services Guide.

Third Party Only

Like our Third Party, Fire & Theft policy this cover protects you against claims for damage that your car causes to another person's vehicle or property. The Limit of Liability provided by this insurance is limited to $20 million.

To obtain a quote for third party car insurance call  or request a quote online. 

Download a copy of the: 

• Ansvar Insurance Classic Motor Vehicle Product Disclosure Statement, Supplementary Product Disclosure Statement and Financial Services Guide.

Disclaimers;

# - Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

* - Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a pre-determined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.

@ - For each claim free period of insurance you will accumulate a discount off your motor vehicle insurance premium up to a maximum amount. This maximum amount will vary according to the State or Territory in which your vehicle is garaged/ kept. Any no claim bonus entitlement you hold with another insurance company is transferable. You may be required to provide documentary evidence of your current no claim bonus entitlement. No claim bonus discount amounts vary by state.

^ You will not have to pay any excess if:

a. the driver of your vehicle at the time of the accident did not contribute to the cause of the accident; or 

b. your vehicle was damaged while parked, and you provide us with:

• the name, address and licence number of each responsible party, and
• the registration number of the other vehicle(s) involved in the accident; or

c. the claimable loss is recoverable by us.

+ - Discounts may not be applied to any flood component of the premium (if applicable).

Ansvar Insurance Limited; ABN 21 007 216 506 AFSL 237826, arranges this insurance as an agent of the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). We do not provide any advice on this insurance based on any considerations of your objectives, financial situation or needs. Policy terms, conditions and exclusions apply. Before making a decision about it please consider to the product disclosure statement (PDS) and any applicable Supplementary Product Disclosure Statement available by contacting Ansvar Insurance on 1800 729 513.

If you purchase this insurance cover, Ansvar Insurance will receive a commission that is a percentage of the premium depending on the product. Ask us for more details before we provide you with any services on this insurance.

Ansvar Insurance does not guarantee or accept liability for any products offered by Allianz.