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133 423

No Claim Bonus

Safe drivers automatically save 60%

We think safe drivers should be rewarded, that’s why we provide safe drivers the maximum No Claim Bonus discount of 60%. Depending on your claims history and driving experience, you may get a No Claim Bonus of up to 60%.

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

  • Get a discount on your premium for each year you don’t make an at-fault claim

  • Save up to 60%

  • Safe drivers are awarded free No Claim Bonus Protection

  • Options available to purchase No Claims Bonus Protection for one or all claims during your period of insurance

What is Free No Claim Bonus Protection?

Don’t be afraid to claim! Even if you’re at-fault you still keep your maximum No Claim Bonus with our Free No Claim Bonus Protection. Our Free No Claim Bonus Protection (also known as Earned) lets you make one at-fault claim during your insurance period without it affecting your No Claim Bonus. It is awarded to experienced drivers who:

  • Have had a drivers licence for at least eight years and haven’t had any at-fault accidents in the last two years; or
  • Have been on the maximum No Claim Bonus with HBF for a consecutive two year period and haven’t had any at-fault claims in the past two years.

What if I make a claim?

If you make a claim and we find you were at fault, your No Claim Bonus will be reduced when you renew your policy.

However, we won’t reduce your No Claim Bonus if one of the following apply:

  • You have earned Free No Claim Bonus Protection and haven’t made an at-fault claim during your current period of insurance.
  • The incident wasn’t your fault and you can give us the details of the person who was at fault
  • Your claim is for damage caused by a storm or other naturally occurring event

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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