COVID-19 member update
HBF have made the decision to cancel premium increases for 2020 which were due to take effect 1 April. For more information visit our member resource hub.
Want more value, choice and control with your extras cover? Well, we've redesigned our extras to give you just that.
Cover for your car, accidental damage, and car theft and fire accidents
Third party fire and theft
Basic cover for damage to third party property, car theft and fire accidents
Third party property damage
Cover for damage to another vehicle or property
Need cover for more than just your car? We also offer motor insurance for your trailer,
boat, caravan and horse float.
Comprehensive Insurance is our most popular policy. It covers damage you might
do to other cars or property, it includes overall cover for loss or damage to
your vehicle. If also covers you if you're hit by an uninsured drive. This is
a good choice if you want peace of mind.
Third Party Fire Theft Insurance is a mid-level cover. This is a good choice
for budget-conscious drivers, it covers damage you might do to other cars or
property and it covers loss or damage to your vehicle by fire or theft only as
well as limited cover for your car if you get hit by an uninsured driver
Third Party Only cover is the most basic cover with limited cover for your car
if you get hit by an uninsured driver (Conditions apply).
Check the product disclosure statement
for further information.
An ‘excess’ is your contribution towards the cost of a claim. Generally speaking, if you’re
willing to pay a higher excess when you claim, your premium will be lower. There are four types of excesses. The type of excess
that applies to your policy is listed on the policy and the amount of that excess will need to be chosen when you purchase your cover.
We will tell you if you need to pay an excess when you make a claim.
You can choose to pay your premium fortnightly, monthly or annually at no extra cost. You can also choose which day of the month your payment will be processed.
There are a number of factors that go into calculating what your premium will
be, such as: your policy type; level of cover; where and how your vehicle will
be parked; the value, make and model of your vehicle; your age; whether or not
your car is financed and your personal situation.
For more information see our
There are a few ways to reduce your premium, such as raising the excess you pay when you make a claim. Generally speaking, a higher excess will mean a lower premium.
Additional savings can be made if your two nominated drivers are 25 years or over, and if you drive less than 10,000 km per year.
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 depending on
your policy help organise repairs for your vehicle and 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.
Discounts if you drive less than 10,000km per year. These can be combined with the 25+ Years Old Nominated Drivers Discount.
No claim bonus
Safe drivers can save $$ with Earned No Claim Bonus protection.
New car replacement
New car replacement with our Comprehensive cover if your car is written off in its first 3 years and has done under 50,000km.
Optional Extra – Windscreen cover
Our Comprehensive car insurance policy offers optional $0 excess on one windscreen or window glass
claim per policy period.
Optional Extra – Hire car
We offer hire car after an accident up to $100 per day for up to 21 days as an optional extra under
our Comprehensive car insurance policy.*
Make a claim, 24/7
We’re here to take the hassle out of claiming. Our team is available to help you make a claim 24/7.
We make life easier with our hassle-free claim lodgement process which is available 24/7. We’ll move things along
as quickly as possible and keep you informed at every stage.
Need to make a claim?
Start your claim at any time. Call 1300 559 867 to talk to our team.
We need to confirm your location to show you the correct content, products and pricing.
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.
Content, products and pricing information is different for people living outside Western Australia.
The product you’ve selected isn’t available for purchase in your state.
If you change location, we'll reset your quote and refresh the page to show you the content, products and pricing relevant to your location.