Managing an existing policy

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.

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.

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.

You can still use your Gap Saver benefits on eligible out-of-pocket costs before 13 December.

You'll be responsible for covering any out-of-pocket costs, including excess, from 13 December when Gap Saver ends.

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.