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Why is HBF right for your car?

  • Your choice of repairer at no extra cost

  • Pay less if you drive less than 10,000 km per year
    Save up to $226* (i)

  • Safe drivers save with
    Free No Claim Bonus Protection (i)

  • Direct debit instalment at no extra cost (i)

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See cover options

Smashed windscreen? Attempted car theft?

Did you know that one in four car insurance claims are for glass repairs?

With HBF, we’ll fully cover one glass claim or windscreen replacement per year and you won’t have to pay a cent. What's even better, this will not affect your 'No Claim Bonus' so you will save even more by keeping your car insurance premium low. The windscreen cover is available as an optional extra with our Comprehensive cover. And it’s not just your windscreen – all car windows are covered.

To find out more about our cover options, see the car insurance comparison page.

Which type of cover do I need for my car?

The type of car insurance you require may vary depending on the vehicle you own, your driving habits and your personal preferences. We have flexible car insurance policy options available which allow you to choose the level of cover you need which means you only pay for the cover you want. We recommend you thoroughly read our Car Product Disclosure Statement or call us if you have any concerns. Choose comprehensive car insurance if you need the highest level of cover. Car Insurance - Online Quotes

How to get a car insurance quote with discounts?

We do offer discounts for HBF members who hold more than one insurance product with us. You may also be able to reduce your premium by restricting the number of drivers nominated on your policy, electing to pay a voluntary excess, selecting market value cover or opting for our low kilometres policy option. For details on how to best reduce your car insurance cost please call us or visit one of our branches.

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  • 21 day money back guarantee

  • HBF health members save up to 14.5%^

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How to claim?

Our reliable claims service team is available 24/7 to assist you with your claim.

Terms and Conditions

Insurance issued by CGU Insurance Limited (CGU) ABN 27 004 478 371 AFSL 238291. For full policy details please refer to the Product Disclosure Statement (PDS) which can be obtained by calling HBF on 133 423. This is general advice only and does not take into account your personal circumstances. You should consider the PDS and your personal circumstances in deciding whether to buy or hold these products. HBF Health Limited ABN 11 126 884 786 AR No. 406073 (HBF Health), is an authorised representative of and also acts under a binder from CGU, the issuer of general insurance products distributed by HBF Health. HBF Health will receive a commission of between 10 – 15% of the premium you pay (excluding taxes and charges) plus GST. For each travel insurance policy sold, HBF Health will receive a commission of up to $62. Please read the Financial Services Guide (FSG) before applying for an HBF General Insurance product.

Discounts vary depending on policies held.
* A saving of $226 is based on an HBF health member purchasing a Nominated Driver Low Kilometre car insurance policy at market value.

* If you wish to cancel your health cover within 30 days, we'll refund any premiums you've paid provided you haven't made a claim. New HBF health members can claim straight away on all extras services with a 2 and 6 month waiting period.