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BENEFITS YOU CAN EXPECT
Why Choose Car Insurance Through Ansvar
CAR INSURANCE
Choose the car insurance that’s right for you
Car Insurance through Ansvar offers a great range of features and benefits designed to suit customers with different needs. 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.
Comprehensive Cover
The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage.
It also covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.
Get a QuoteThird Party Property Damage
Covers your legal liability for loss or damage to someone else’s property caused by a motor vehicle accident which is partly or fully your fault.
Get a QuoteComprehensive Car Insurance Cover
This is the highest level of car insurance cover provided by Ansvar. This covers your own vehicle if it is damaged or stolen in addition to the damage caused to someone else’s property, no matter who is considered at fault.
The summary below provides a general idea of what is covered. For the standard terms, conditions, limits and exclusions of cover please refer to the Product Disclosure Statement (PDS).
What’s Covered?
Additional Benefits
Third Party Property Insurance Cover
What’s Covered?
COMPARISON TABLE
Comprehensive Insurance vs Third Party Property Damage
| Comprehensive Insurance Get a Quote | Third Party Property Damage Get a Quote | |
|---|---|---|
| Features & Benefits | ||
| Cover for accidental loss of or damage to your vehicle | ||
| New for old replacement of a new vehicle of the same make, model, engine size, features and paint type after a total loss. If: 1) you purchased your vehicle new (or as a demonstrator model) from the manufacturer or their dealer; 2) your vehicle is less than 2 years old from its first registration at the time it is declared a total loss; 3) where relevant, your financier has given its written consent; and 4) a new replacement vehicle is available in Australia. | ||
| Cover for your legal liability for loss or damage to other people’s property and legal liability for supplementary bodily injury – up to $20 million for any one event or series of related events. | ||
| Cover for loss or damage to your vehicle arising from an accident caused by the driver of an uninsured vehicle – up to $5,000 for any one incident, provided that: 1) you did not contribute to the cause of the accident; and 2) you can provide the name and address of the person responsible for the accident; and 3) you can provide the registration number of the other vehicle; or 4) any other information that would reasonably allow us to identify the person so that we can exercise our rights of recovery. | ||
| Approved legal costs arising from a claim for liability covered by the policy | ||
| Cost of emergency repairs after a covered accident – up to $500 for any one incident | ||
| Rental car after theft of your vehicle - $100 per day limit, up to 30 days | ||
| Reasonable cost of towing after a covered incident | ||
| Temporary cover on replacement vehicle – 14 days | ||
| Trailer and caravan cover - $1,000 or market value of the trailer or caravan, whichever is the lesser | ||
| Legal liability cover when using a substitute vehicle | ||
| Cover for personal items in your vehicle – up to $1,000 for any one incident | ||
| Cover for emergency accommodation and travelling expenses after covered accident, provided that your vehicle was more than 100km from where it is normally parked at night - Up to $1,000 for any one incident | ||
| Cover for transportation costs if your vehicle cannot be safely driven home after a covered accident – up to $500 for any one incident | ||
| Lock re-keying / re-coding if the keys to your vehicle are stolen – up to $1,000 for any one incident | ||
| Replacement of child seat / baby capsule in your vehicle after a covered accident - Up to $500 for any one incident | ||
| OPTIONAL BENEFITS YOU CAN ADD | ||
| Rental car following accident, where available - $100 per day limit, up to 30 days | ||
| Removal of basic excess for windscreen claims if the broken windscreen is the only damage to your vehicle - 1 replacement and 2 repairs in any period of insurance | ||
| Cover for tools of trade – up to $3,000 for any one incident | ||
| OPTIONS YOU CAN SELECT TO DECREASE YOUR PREMIUM | ||
| Named driver option | ||
Call Us on 1300 650 540 How To Make A Claim
The Allianz Claims team will make sure your claim is processed as quickly and efficiently as possible.
Ansvar has chosen Allianz, one of Australia’s largest general insurers, to underwrite your insurance policy. As you go through the claims process, you’ll deal directly with an Allianz claims consultant. But don’t worry, you’re in great hands.
If you do have any concerns during the claims process, simply call the Allianz Claims Line on 1300 555 030.
If you need to make a claim, we recommend you do the following:
Two ways to make a claim
START A CLAIM
Lodge a claim with Allianz using the online claim form
Claim OnlineThe online claims form that you are about to open is connected to the Allianz claims management system
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CALL 1300 555 030
Call the Allianz Claims Line and a friendly consultant will assist you with your claim
Frequently Asked Questions
How do I make a claim?
To notify us of a claim or potential claim there are two simple ways:
- Call 1300 555 030
- Completing an online claim form
The online claims form that you are about to open is connected to the Allianz claims management system
Continue >>What information do I need to make a claim?
The more information you are able to provide to a claims consultant, the quicker Allianz will be able to process the claim. In general, you will need to provide the following details:
- Your policy number & type of policy
- Verify your policy details including the name of the insured on the policy
- The date of the loss and the loss address where the incident occurred
- Detailed description of the incident
- Details of any other parties involved
- Allianz will also ask you for proof of purchase or evidence of value or ownership at the time of the claim. This could be store receipts, credit card statements, user manuals for recently purchased electrical items, or owner’s handbooks.
Allianz suggest that you store all of your receipts or valuations in a fireproof area or container.
How will my possessions be replaced?
Allianz organise the quotes and replacement possessions and do most of the leg work for you.
Dispute Resolution Process: What if I’m not happy with the way my claim is progressing?
Ansvar offers an Internal Dispute Resolution Process (IDR) if you aren’t satisfied with the outcome or any aspect of a General Insurance claim. To start the process just call 1300 555 030 and ask to speak to the Claims Team Leader.
If you are still dissatisfied after the IDR, you may choose to refer the matter to an independent external dispute resolution body, the Australian Financial Complaints Authority (AFCA). Find out more at the AFCA Website.
What should I do if someone makes a claim against me?
- Notify us of your claim online as soon as possible, or call 1300 555 030 and one of our friendly consultants will take you through the claims process.
- Try to get names and addresses of witnesses, if there are any.
- If possible take a picture of the item’s damaged (eg. Vehicle damage, contents or home damage). their licence as well as damage to both vehicles.
- Don’t make any admissions of liability and don’t attempt to settle any claim made against you.
Things You Should Know (Disclaimers)
Ansvar Insurance Limited ABN 21 007 216 506 AFSL 237826 arranges this insurance as an 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 Product Disclosure Statement.
The relevant Target Market Determination is also available by calling 1300 650 540.
If you purchase this insurance, we 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. Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and 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 predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers
2. The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz’s standard rates, excluding optional covers, and are for the first year’s premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
3. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
4. In certain circumstances, we may agree with you to use a different repairer than the one that you selected or pay you the reasonable repair costs. We will act reasonably in doing so.
5. Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%.