Help Centre
Managing an existing policy
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Frequently asked questions
Find quick answers to our members' most commonly asked questions.
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My final payment is lower than the amount notified in September 2025, why?
Can I still use my Gap Saver benefits?
You can continue to accrue and claim Gap Saver benefits until 12 December on eligible out-of-pocket costs. Log in to the HBF App or myHBF to view your current accrued benefit.
What will happen to my unused Gap Saver benefits?
You’ll receive a one-off payment equal to any unused Gap Saver benefits. This will happen from 14 December and may take 5-7 business days to process, depending on your bank.
To avoid payment delays, check your direct credit details are correct in the HBF App or myHBF to view your current accrued benefit.
How much will I receive and when?
After Gap Saver ends, you’ll receive a letter or email (depending on your communication preference) which will include the final amount that will be paid to you.
Payments will be processed on 14 December and may take 5-7 business days to reach your account, depending on your bank.
Will my premium change?
When Gap Saver ends, your premium will be adjusted. You can see what your new premium will be in the communication we sent to you.
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