HBF Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

• Choice of excess

  $600 - $2,050

• Young driver excess imposed

  $1,000 for drivers under 20, $750 for drivers under 21, $500 for drivers under 24, $750 for listed inexperienced drivers over 24, $1,500 for unlisted inexperienced drivers over 24, double the basic excess for unlisted drivers.

• Maximum no claim discount table

  Not Published

• Maximum no claim discount term

  8 years

• Online discount

  n/a

• Multi policy discount

  n/a

• No claim discount

  Maximum no claim discount protection is optional with additional premium

• Discounts available

  No Claims Discount, Named Driver Discount, Low kms discount

Service features

• Roadside assistance

• Choice of repairer

• Claims service 24 7

• Other benefits

  n/a

• Other restrictions

  n/a

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  - within 3 years and 50,000 km of original registration

• Personal property cover

  Up to $1,000 if damaged or stolen.

• Windscreen cover

  Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.

• Emergency repairs without assessment

  Up to $800

• Emergency options

  Cost of at least one tow. Up to $500 in travel and accommodation costs if greater than 100km from home.

• Rental car after theft

  - Up to 21 days, max $100 per day.

• Rental car after accident

  t at fault - Optional Extra. At fault - Optional Extra. Up to 21 days, max $100 per day.

• Rental car liability

  Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.

• Trailer or caravan cover

  Up to $1,000 for trailer only.

• Replacement keys

  Up to $1,000 if stolen.

• Baby capsule or seats

  Covered

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver

  Up to $5,000 funeral expenses within 12 months of accident.