BENEFITS YOU CAN EXPECT
Why Choose Home and Contents Insurance Through Ansvar
Established in Australia in 1961, Ansvar is an ethical insurer that’s committed to supporting and giving back to our community. We offer an assortment of personal insurance products to choose from, each with its own benefits to accommodate customers with differing needs.
When it comes to comparing home and contents insurance, we’re confident that you’ll find our tailored cover to be comprehensive, affordable and reassuring. You also have the option to pay your homebuilding and contents insurance premium by the month and can save 10% off your premium if you combine your building and contents cover.
Insuring your home through Ansvar will mean your physical structures are covered but so are your internal fittings and fixtures. Coverage includes garages, decks, sheds and more. We provide you with cover against damage to these structures including damages caused as a result of fires, storms, fallen trees and other impact related events.Get a Quote
Insure your household from theft, damage or loss of personal items inside your home from furniture and appliances, to clothing, computers and hobby items like musical instruments, surfboards and golf clubs.
With Contents Insurance through Ansvar, even your household’s outdoor contents will be insured up to $2000 – including barbecues, outdoor furniture, trampolines and children’s play equipment.Get a Quote
Features and Benefits
The better you understand your policy, the easier it will be if you ever have to claim.
Here is a limited summary of the benefits of a building and contents insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover.
Key Features & Benefits
Cover When You’re Moving House
Your contents will be covered for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
Alternative Accommodation for You and Your Pets
If your building or contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Home and Contents Insurance through Ansvar will cover the additional costs for temporary accommodation for you up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months.
In addition to your buildings or contents sum insured (as applicable) Home and Contents Insurance will cover up to 10% of your buildings/contents sum insured for removal of debris from the damaged or destroyed part of the buildings if your contents/buildings are damaged or destroyed by an insured event.
Food and Medicine Spoilage
If you have contents cover and your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result. If you claim for this benefit, excess will apply. If the spoilage is due to a natural disaster (declared by Allianz, the government or the Insurance Council of Australia ) the maximum Allianz will pay is $500. No excess will apply.
Guests, Visitor and Domestic Helper Property
If you have contents cover, Ansvar will also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.
Cover for the unexpected
Home and Contents Insurance through Ansvar provides the necessary cover for out of the ordinary but devastating events such as fire6, storm6 and burglary. For cyclones, floods, grassfires and bushfires a 72 hour exclusion period may apply6.
Cover for Storm Damage
Covers loss or damage by storm, cyclone6, rain water, runoff (provided run-off is not combined with flood waters) and, if caused by and occurs within the first 72 hours following a storm, Allianz provides cover for loss or damage caused by soil movement, landslide, mudslide or subsidence.
Home and Contents Insurance through Ansvar will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
The accidental damage cover option insures you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
Optional cover for your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed Portable Contents with the full replacement value to be covered away from the home.
The Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover.
Flood cover may be available as an optional cover to your building and/or contents. A 72 hour exclusion period applies6.
Domestic Worker’s Compensation Cover
Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
Policy Documents & Fact Sheets
For full details of the terms, conditions, limits and exclusions about our home and contents insurance offerings, please refer to the relevant Product Disclosure Statements (PDS) below and any applicable supplementary PDS before making a decision to purchase the insurance. We do not provide advice based on any consideration of your objectives, financial situation or needs.
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. Minimum premium
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.
Discounts do not apply to taxes or government charges.
Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected).
Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
2. Online discount
When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn’t apply to Landlord policies, Flood or Portable Contents optional covers.
4. 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.
5. 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 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. The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover, if selected.
6. 72 Hours Waiting Period
We may not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
7. Earthquake Excess
An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.
For full details of conditions and exclusions please refer to the relevant PDS.