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Package cover
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Hospital cover
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Ambulance cover
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Select an Ambulance product
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Flexible excess

Reduce your premium by increasing your ‘excess’

When you make a claim, you may need to pay an excess. An excess is the amount you have to contribute when you make a claim.

You're not locked into one excess amount.
With our flexible excess option, you can reduce your premium by increasing your excess. It’s a great way to make your car insurance fit your budget.

HBF Car Insurance

  • Liability cover up to $30 million

  • 24/7 Perth based claims team

  • Australia-wide cover

  • 21 day money back guarantee

  • HBF health members save up to 14.5%^

Key benefits

  • Reduce the cost of your insurance premium

  • Choose your desired excess amount when you claim

You might have to pay more than one excess
It's important to be aware that depending on your policy and the type of claim you make, you may have to pay more than just the basic excess. The different types of excess include:

  • A basic excess
  • An age excess
  • An inexperienced driver’s excess

The type of excess or excesses that apply to your policy will be listed on your schedule.

Do I need to pay excess if the accident is not my fault?

  • The accident wasn't the fault of the person driving your car at the time. To avoid the excess, we'll need to know the contact details of the person whose fault it was, including their name, current address and vehicle registration. We'll also need their insurance details; or
  • You're making a claim for window or glass damage and have selected the excess-free Windscreen Extension option.

Need car insurance?

  • 21 day money back guarantee

  • HBF health members save up to 14.5%^

Get a quote

How to claim?

Our reliable claims service team is available 24/7 to assist you with the claims process.

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Our products and prices differ from state to state. So we need to make sure you're looking at the right information to give you an accurate quote.

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To show accurate prices relevant to you, we need to know a little about you first. Thanks for selecting your product. So we can proceed with your quote, please fill in the following details.
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