HBF Car Insurance

HBF is a provider of car insurance, life insurance, home insurance, health insurance and travel insurance.

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See below for a snapshot of HBF’s car insurance products on offer for a 30-39 year old male living in New South Wales who does not require an extra driver under 25.

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What types of car insurance does HBF offer?

HBF offers Compulsory Third Party (CTP), Fire and Theft, Third Party Property Damage and Comprehensive car insurance. If you’re unsure as to which kind of car insurance is most appropriate for you, or don’t understand the differences between the different levels of cover, here’s our guide to the different kinds of car insurance.

What additional features does HBF offer on its car insurance products?

HBF Car Insurance has a number of features included in its policy, a few of which include:

  • You can save up to $226 per year if you drive less than 10,000 kms annually.
  • No claim bonus protection – meaning safe drivers are rewarded with discounted premiums.
  • Option to pay either fortnightly or monthly at no extra cost
  • You can choose your own repairer at no extra cost
  • Full coverage of one glass claim or windscreen replacement per year
  • Emergency accommodation and travel expenses if your car breaks down far from home
  • Cover if your belongings are stolen from your car
  • Cover for taxi fares, car hire and towing costs
  • Legal liability protection in the event of you damaging someone else’s property/vehicle

Extra premiums may apply to optional extras cover.

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How do you lodge a claim with HBF?

You can lodge a claim with HBF either online, or over the phone by calling 13 34 23. Here’s our guide to navigating the car insurance claims process:

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Yes, HBF allows you to choose between market value and agreed value for your vehicle. If you’re not sure which one would be best for your vehicle, read our article explaining the difference between market value and agreed value.

You can purchase a HBF car insurance policy online after comparing car insurance on the Canstar website. If you need help applying, call HBF on 13 34 23.

Yes, HBF Insurance allows you to nominate a higher or lower excess. This may affect the cost of your car insurance premiums; a higher excess will typically result in a lower premium, while a lower excess will typically result in a higher premium. Find out more about car insurance excesses here.

Your HBF Car Insurance policy will automatically renew if you choose not to alter it after receiving your renewal notice. If you’re not sure whether to renew or switch, here’s our guide to choosing, and if you do decide to switch car insurance policies, here’s how you do so.

Make sure you compare car insurance policies before simply renewing the same policy, so that you continue to get outstanding value insurance at a great price:

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HBF is most well known for its health insurance policies and was established as the Metropolitan Hospital Benefit Fund in 1941 to help Western Australians cover the cost of hospital treatment. HBF is now an Australia-wide insurance fund that covers over 900,000 members.

HBF is a non-for-profit organisation and in addition to car insurance and health insurance, it also offers life insurance, travel insurance, home insurance, contents and personal valuables insurance, caravan insurance, trailer insurance and boat insurance.

HBF employees give back to the community by donating over $100,000 every year to charity.

Keep up-to-date with HBF’s latest on its YouTube channel, including its 75th birthday celebrations!

Source: HBF Australia

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The table below displays a snapshot of comprehensive car insurance policies on our database that at the time of writing offer a no claim bonus that isn’t always impacted by hail and flood damage or theft claims. Please note the results are based on a 30-39 year old male who lives in New South Wales and does not require an extra driver under 25 (with link to provider’s website, ordered by Star Rating), so some products may not be available to you. Remember to read the PDS carefully to understand each insurer’s policy on their no claims bonus.

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HBF Comprehensive

Canstar Research
Award: Outstanding Value Car Insurance


30-29 years old

2017 Star Ratings Report

Written by: Regina Collins | Last updated: