Advantage Driver car insurance cover

You can qualify for our Advantage Driver car insurance if:

• You're at least 27 years of age
• You're not a "P" or "L" plate driver
• You don't have any traffic or criminal convictions from the past four years
• Your no claim bonus is at least 50%
• You have not been at-fault in an accident in the past four years

With Advantage Driver insurance, you receive the benefits* of  comprehensive cover at a low price including:

• Cover for an agreed value
• New car replacement if your vehicle is up to 2 years old
• The opportunity to lower your premium with our flexible voluntary excess options (from $0 to $500)
• Cover for personal property stolen from your locked car
• Cover for your trailer
• Use of a hire car if your car is stolen (or someone attempts to steal it)
• Cover for taxi and towing costs
• Cover for emergency repairs, locks, keys and electronic immobilising devices

Key policy features	Comprehensive	Advantage Driver	Budget - Fire and Theft	Third Party
Agreed Value
Open Driver cover		*
Cover for damage to other people's property
New car replacement for vehicle aged up to 2 Years
Hire car following theft or attempted theft
Personal Property cover
Flexible payment methods
21 day 'Free Look'
Only one quote in the event of a claim
Reduce premium by nominating drivers
Reduced premium by selecting a higher excess

*Conditions apply.

Optional extras

You can add these optional benefits* to your Advantage Driver insurance policy:

• Use of a hire car following an accident
• No-claim bonus protection
• Your excess for windscreen or window glass replacement claim can be removed
• Your basic excess for all claims can be removed

Additional benefits	Comprehensive	Advantage Driver	Budget - Fire and Theft	Third Party
No claim bonus protection
Removal of excess for windscreen/window glass replacement claims
Removal of basic excess for all claims
Hire car following an incident

*Conditions apply. If you’ve paid the additional premium required, these optional benefits apply and will appear on your policy schedule.
 
If you’d like a complete list of Advantage Driver benefits, please refer to our Car Insurance Policy Wording and Product Disclosure Statement.

In deciding whether to buy or hold HBF Car Insurance, you should consider the Car Insurance Policy Wording and Product Disclosure Statement and whether or not the product is appropriate for you. HBF Home, Car, Travel and Boat Insurance are issued by HBF Insurance Pty Ltd ABN 11 009 268 277 AFSL 229190.

Please read the Financial Service Guide (FSG) before applying for an HBF General Insurance product.