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You're from Overseas
133 423

Choose agreed or market value

The choice you make will affect the price of your premium. In most cases, you'll pay less if you choose market value.

With HBF, you have the option of insuring your car at agreed or market value. Agreed value means you're insuring your vehicle for a fixed amount. Market value means your car is insured for the amount it would cost to replace it in your local area at the time of your claim.

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

  • You choose how much your car is insured for

  • Save on the cost of your insurance premium

How does agreed value work?

  • Agreed value means you're locking in, or agreeing the insured value of your car at the time you take out the policy, including any accessories you have listed on your policy.

How about market value?

  • Market value means the amount of money it would cost to replace your vehicle in your local area with an identical one. We would take into account the condition of your vehicle which will determine the replacement cost of your car when you make a claim.

What about brand new cars?

  • If you own a brand new car that’s less than 2 years old and has not travelled more than 30,000 Km or a car between 2 and 3 years old and has not travelled more than 50,000 kilometres, we will replace your vehicle with a brand new vehicle.

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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