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!


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
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.

2. Combined
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.

3. 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.

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 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.

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 waiting period
We may not provide cover for any loss of or damage to your property caused by fire, burglary, theft or storm 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. 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.