Please note that HBF will no longer be offering general insurance products from 1 July 2021. Learn more here.
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Compare our car cover

Three levels of cover to choose from so you can pick the right policy for you and your car.

$30m liability cover
Uninsured motorist damage
New car replacement up to three years old
Hire car after accident
Hire car after theft - up to 21 days
Trailer cover
Emergency or temporary repairs
Towing and transport of your vehicle
Removal of debris
Personal items
Re-coding of locks and barrels after theft of keys
Baby capsules and child seats
Storage costs
Windscreen cover
One at fault claim protection
Most popular

Comprehensive cover

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Full cover

Optional Extra

Optional Extra

Optional Extra

Third party fire and theft

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Up to $5,000

Third party damage

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Up to $5,000

* Hire car cover after theft is a standard inclusion under Comprehensive and Third Party Fire and Theft policies.


What do I do if I am involved in a car accident?

The most important thing to do is to make sure you and everyone in your car is safe. If anyone is injured or needs help, call 000 immediately. Once you are safe and your situation has settled, please call our Claims Department on 1300 133 520. Our team will guide you through the claims process and help organise repairs for your vehicle and arrange towing if required.

If possible, please collect the details of the other driver and witnesses to the accident, including their name, address, vehicle registration and contact telephone number. Also record the time, date and exact location of the accident and take photos of the accident with your phone.

How is the cost of car insurance calculated?

Your car insurance premium is calculated according to how likely you are to make a claim and how much your claim is likely to cost. The cost of your premium also depends on the following factors:

  • Your level of cover.
  • Your excess. The more you choose to pay, the lower your premium.
  • Your age.
  • Make and model of your car.
  • How you use your car. For instance, using your car for business may increase your premium.
  • What kind of driver you are. If you have a clean driving history – OR – How many at fault claims you have made in the last 2 years.
  • Where you keep your car at home. For instance, parking your car on the road, rather than in a locked garage may increase your premium.
  • Where you live.

What is the no claim bonus?

The no claim bonus is a discount we apply to your premium to reward you for safe driving. We’ll reward you with a discount each year that you don’t make an at-fault claim, until you reach the maximum no claim bonus.

If I have an accident, will my no claim bonus be affected?

If you’re involved in an accident and we agree that you are not at fault, we will not reduce your no claim bonus, if:

  • you provide us with the name, current residential address and vehicle registration of the person who did cause the incident; or
  • your claim is for damage caused by a storm or other naturally occurring event.

If you make a claim for an accident that you caused, your no claim bonus will be reduced when you renew your policy.

What are nominated drivers?

A nominated driver is someone that you have informed us will be driving your car.

With our Nominated Driver policies, you can have a maximum of two nominated drivers. All nominated drivers must be over the age of 25, as no cover is provided to any driver under the age of 25. If someone, other than a Nominated Driver, over the age of 25 was driving your vehicle and is involved in an accident, a double basic excess will be applied to the claim. All nominated drivers will be listed on your policy schedule.