HSBC Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

  Yes

• Choice of excess

  $450 - $2,150

• Young driver excess imposed

  $600 for listed drivers under 25, $1,800 for unlisted drivers under 25.

• Maximum no claim discount table

  Not Published

• Maximum no claim discount term

  6 years

• Online discount

  10%

• Multi policy discount

  n/a

• No claim discount

  Maximum no claim discount protection is optional with additional premium

• Discounts available

  n/a

Service features

• Roadside assistance

  No

• Choice of repairer

  Yes

• Claims service 24 7

  No

• Other benefits

  n/a

• Other restrictions

  n/a

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  Yes - within 2 years 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 $500

• Emergency options

  Reasonable towing costs and up to $500 in travel costs. Up to $1,000 travel and accommodation costs if greater than 100km from home.

• Rental car after theft

  Yes - Up to 30 days, max $100 per day.

• Rental car after accident

  Not at fault - Optional Extra. At fault - Optional Extra. Up to 30 days, max $100 per day.

• Rental car liability

  Yes - legal liability cover when using a substitute vehicle. Up to $3,000 contribution towards excess or security bond when using a hire car after theft.

• Trailer or caravan cover

  Up to $1,000

• Replacement keys

  Up to $1,000 if stolen.

• Baby capsule or seats

  Up to $500

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver

  $25,000 within 90 days of accident.

• Rideshare cover

  Optional Extra