About Us
Protect. Empower. Grow.

The story of Our Guard Mutual

The Our Guard was built on a simple premise: together, we accomplish more.
In 2021, it was identified that as an industry, the Australian Customer Owned Banks, Credit Unions & Building Societies had been misunderstood and, therefore, seemingly mispriced by the traditional market for Financial Lines products.

Working with the industry, and Financial Lines experts, the Our Guard  Financial Lines Solution is available to our Members only.

By coming together as an industry, products have been designed to meet the needs of the sector, and drive long-term effectiveness and benefits.

As a not-for-profit, customer-owned Mutual, Our Guard enables  Members to drive long-term effectiveness and benefits for the sector.

How it started

Where we are now

The Member of Our Guard are Customer Owned Banking Authorised Deposit taking Institutions in Australia.

Our Guard was created and launched by Picnic Labs Limited (Picnic)

The Financials Lines Solution includes 2 complementary products including Insurance that is underwritten by Lloyd’s markets authorised by APRA.

The Insurance Policy is complemented by a Discretionary Risk Protection product for small claims or to reimburse the insurance Policy Deductible.
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GENERAL ADVICE WARNING
Our Guard Mutual Limited ('Mutual') is managed by Picnic Services Pty Ltd ACN 638 145 418 ('Manager') an Authorised Representative (AR No: 1300248) of Picnic Licensing Pty Ltd (AFSL No: 532540). Any advice provided about any products is of a general nature only.It does not take into account your personal circumstances. Please read the Product Disclosure Statement (PDS) and Financial Service Guide to see if these products are right for you.

Our Guard acknowledges the Traditional Custodians of the land on which we operate, live, and gather, and recognise their continuing connection to land, water and community.
We pay respect to Elders past and present.
+61 2 8310 7299
Our Guard is powered by
This is another Mutual powered by Picnic Labs - providing an innovative alternative to insurance.