Advantage Driver

(not available for sale)

What are the benefits?

If your car is written off and is less than two years old, we’ll replace it*.
If you want to maintain the high level of cover but lower your premium, we have excess options up to $500.
We’ll even cover any personal property valued at up to $500, stolen from your locked car*.
Access to a free hire car if your car is stolen, or someone attempts to steal it*.
Taxi and towing costs are covered too, as are emergency repairs, locks, keys and electronic immobilising devices*.

*Conditions apply

How does it work?

If you’re 27 or over and you’re no longer 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% and you have not been at-fault in an accident in the past four years.

What's covered?

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

*Restrictions apply. An additional access applies to non listed drivers.

**Limits and Conditions apply.

Please refer to the Car Insurance Policy Wording and Product Disclosure Statement for further details.

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
You can upgrade your policy so there is no excess for windscreen or window glass replacement
You can also upgrade your policy so there is no basic excess for all claims

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.

Terms and Conditions

HBF Health Pty Ltd ABN 11 126 884 786 AR No. 406073 (HBF Health) is an Authorised Representative of CGU Insurance Limited ABN 27 004 478 371 AFS Licence No. 238291 (CGU) and acts under binder from the product issuer HBF Insurance Pty Ltd ABN 11 009 268 277 (HBF Insurance) which means it can issue the policy as if it were HBF Insurance. HBF Health will receive a commission in the range of 10% to 25% of the premium you pay (excluding taxes and charges) plus GST. This is general information only and doesn’t take into account your personal circumstances. 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.

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

Advantage Driver

What are the benefits?

How does it work?

What's covered?

Optional extras

Terms and Conditions

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