BENEFITS YOU CAN EXPECT

Why Choose Car Insurance Through Ansvar

Up to 10% discount on your first year’s premium when you quote and buy a new comprehensive car insurance policy online
Reduce your premiums by increasing the excess1
Pay by the month with no additional premiums3
Choose your own repairer with Comprehensive Cover4
24/7 online claims lodgement
Save more with a safe driver discount for eligible drivers5

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 Quote

Third 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 Quote

Comprehensive 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?

We will cover you for accidental loss of (including theft) or any other type of accidental damage that happens to your vehicle during the period of insurance.
We will pay for any reasonable additional travel or accommodation expense incurred by you as a result of a covered accident for up to $1,000 if your vehicle was more than 100km from home. The maximum amount we will pay for accommodation and travelling expenses combined for any one claim or incident is $1000.
If you replace your vehicle and don't advise us, we will cover the replacement vehicle for up to 14 days from the time you sold or gave the vehicle away on the same terms set out in your policy, except we will insure it at market value.
If your vehicle is a total loss, along with being purchased as new or a demo from a manufacturer or dealer and its less than 2 years old from its first registration, we will replace it with a new vehicle of the same make, model, engine size, features and paint type including any modifications, options and accessories, so long as it is available in Australia.
We will cover your legal liability to pay compensation for loss of or damage to someone else’s property which is caused by a motor vehicle accident which is partly or fully your fault.

Additional Benefits

Personal items in your vehicle, up to $1,000 for any one incident of accidental damage or theft
Rental car after theft of your vehicle, up to $100 per day for up to 30 days. However we will extend your rental car or daily travel allowance period to the extent that we caused or contributed to the delay in repairing your vehicle
Transportation costs if your vehicle cannot be driven home after an accident up to $500 for any one incident
Reasonable cost of towing to a repairer, place of safety or any other place which we agree to after a covered incident
Lock re-keying / re-coding up to $1,000 if vehicle keys stolen by a person who is not your family member, invitee or person who resides with you
Cover for the cost of emergency repairs necessary to enable you to drive your vehicle home up to $500 after a covered accident
Cover for accidental loss of or accidental damage to a trailer or caravan - up to $1,000 or market value of the trailer or caravan, whichever is the lesser
Replacement of any child seat or baby capsule in your vehicle up to $500 following a covered accident.

Third Party Property Insurance Cover

What’s Covered?

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
Legal liability cover when using a substitute vehicle
Approved legal costs arising from a claim for liability covered by the policy

COMPARISON TABLE

Comprehensive Insurance vs Third Party Property Damage

Comprehensive Insurance Get a QuoteThird Party Property Damage Get a Quote
Features & BenefitsGet a Quote
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

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:

Call the Allianz Claims Line on 1300 555 030 as soon as possible
Take all reasonable steps to prevent any further loss or damage from occurring
Don’t admit to anyone involved that you were at fault
Where possible, write down the names, addresses and phone number of all drivers, passengers and witnesses involved, the vehicle registration numbers and insurance details of all vehicles involved or any other information that would reasonably allow us to identify the person so we may exercise our rights of recovery and to support your claim
Notify the police if necessary
If you notified the police, it is recommended if you can to obtain the name of the police officer and police station where you made the report, obtain the police event number and the details of those involved in the accident as they may be needed during the processing of any claim

Two ways to make a claim

START A CLAIM

Lodge a claim with Allianz using the online claim form

Claim Online

The online claims form that you are about to open is connected to the Allianz claims management system

Continue >>

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?
What information do I need to make a claim?
How will my possessions be replaced?
Dispute Resolution Process: What if I’m not happy with the way my claim is progressing?
What should I do if someone makes a claim against me?

How do I make a claim?

To notify us of a claim or potential claim there are two simple ways:

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%.