HCF MEMBERS GET A GIFT CARD VALUED UP TO $150 WITH HCF CAR INSURANCE#
As an HCF member, you can get a Visa e-Gift card valued between $50 and $150, depending on your HCF Thank You program tier, when you quote and buy HCF Comprehensive Motor Insurance online with our promo code#.
Offer available until 11.59pm AEST 12 September 2024.
To take advantage of the Visa e-Gift card offer:
- Log in to your account, either via the My Membership app or online member services.
- Head to the insurance section of the HCF Thank You page to find the promo code.
- Add the code to your online comprehensive motor insurance quote.
COVER TO KEEP YOU MOVING
We understand the importance of safeguarding your assets against the unexpected.
Which is why we’re now offering HCF Motor Insurance for your car, ute or van.
You could also be eligible for discounts if you choose comprehensive cover1.
WHY CHOOSE US
FLEXIBLE
- You may be able to increase your excess to reduce your premium with comprehensive cover1.
- Choose your own repairer with comprehensive cover6.
EXPERIENCED
CONVENIENT
Discounts
- Quote and buy online for up to 10% off your first year’s comprehensive premium1,2.
- Safe driver discount for eligible drivers with comprehensive cover1,5.
CHOOSE YOUR COVER
COMPREHENSIVE INSURANCE
The highest level of car insurance, covering your vehicle as well as damage you might cause to someone else’s property.
Full details on Comprehensive Motor Insurance
THIRD PARTY INSURANCE
The basic car insurance, covering you for loss or damage to someone else’s property. Your own vehicle isn’t covered.
Full details on Third Party Property Damage Motor Insurance
BENEFITS SNAPSHOT
Comprehensive insurance includes:
Cover for accidental loss of or damage to your vehicle
Accidents, theft, fire, flood, storm and hail damage. Subject to your policy’s terms and conditions, limits and excess.
New for old replacement of a new vehicle after a total loss
If your vehicle is deemed a total loss, Allianz may replace it with one of the same make, model, engine size, features and paint type as long as:
- your vehicle’s less than 2 years old from its first registration at the time it’s declared a total loss
- you bought your new vehicle or demonstrator model from the manufacturer or their dealer
- where relevant, your financier (e.g. bank) has given their written consent
- a new replacement vehicle of the same make, model and other characteristics is available in Australia.
Approved legal costs from a liability claim
Covers legal costs, as approved by Allianz, from a claim that’s covered by your policy.
Emergency repair costs after an accident
Allianz will reimburse the cost of necessary emergency repairs so you can drive your vehicle home after a covered accident – up to $500 for any one incident.
Rental car after theft
If your vehicle’s stolen, Allianz will pay for a rental car – up to $100 per day, for a maximum of 30 days4.
Towing
After a covered incident, Allianz will pay the reasonable cost of protection, removal and towing of your vehicle to the nearest repairer, place of safety or any other place agreed to.
Temporary cover on a replacement vehicle
Comprehensive insurance cover for your replacement vehicle for up to 14 days.
Trailer and caravan cover
Up to $1,000, or the market value of your trailer or caravan, whichever is less.
Cover for personal items stolen or damaged in your vehicle
Up to $1,000 for any one incident.
Emergency accommodation costs
Up to $1,000 per incident, for reasonable emergency accommodation costs and travel expenses. Available provided your vehicle is more than 100km from where it’s usually parked at night.
Transportation costs
If your vehicle can’t be driven safely home after a covered incident, Allianz will pay up to $500 for travel necessary to get you home.
Lock re-keying or re-coding if your vehicle’s keys are stolen
Up to $1,000 for any one incident.
Replacing a child seat after an accident
Up to $500 to replace a child seat or baby capsule that is damaged in your vehicle at the time of a covered accident.
Legal liability cover
Legal liability for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million for any one event or series of related events.
This is a limited summary of benefits provided under HCF Comprehensive Motor Insurance. For full details of what is and isn’t covered, including terms, conditions, limits and exclusions, please read the Product Disclosure Statement (PDS) and any applicable supplementary PDS.
Third party property damage insurance includes:
Legal liability cover
Legal liability for loss or damage to other people’s property and for supplementary bodily injury – up to $20 million for any one event or series of related events.
Approved legal costs from a liability claim
Covers legal costs, as approved by Allianz, from a claim that’s covered by your policy.
Uninsured motorist extension
Up to $5,000 if your vehicle’s damaged from an accident caused by the driver of an uninsured vehicle.
This is a limited summary of benefits provided under HCF Third Party Property Damage Motor Insurance. For full details of what is and isn’t covered, including terms, conditions, limits and exclusions, please read the Product Disclosure Statement (PDS) and any applicable supplementary PDS.
Optional Covers
With comprehensive insurance, you can choose any of these options for an even greater level of cover.
- Rental car after an accident, where available: If you can’t use your vehicle following an accident, this optional benefit will pay up to $100 per day for a rental car, for a maximum of 30 days. This option will extend your rental car or daily travel allowance period if Allianz caused or contributed to the delay in repairing your vehicle.
- Basic excess removal for windscreen claims: One replacement windscreen and two repairs in any period of insurance, without an excess, when the broken windscreen is the only damage to your vehicle.
- Cover for tools of trade: Paying up to $3,000 for any one incident where tools are damaged or stolen when locked in your vehicle.
For full details of what is and isn’t covered under these optional benefits, including terms, conditions, limits and exclusions, please read the Product Disclosure Statement (PDS) and any applicable supplementary PDS.
TO MAKE A CLAIM
Head to the Allianz online claims portal or call the Allianz claims line 24/7 on 1300 555 030.
FAQs
What is comprehensive motor insurance?
Comprehensive motor insurance covers your vehicle, plus damage you cause to other people’s vehicles or property. It doesn’t cover your liability to pay compensation if you cause injury to another person (subject to limited exceptions).
Is comprehensive motor insurance necessary?
Comprehensive motor insurance isn’t mandatory in Australia. However, if you bought your vehicle using finance, your financial institution (e.g. bank) might require you to have comprehensive insurance.
Otherwise, if you choose not to take out comprehensive motor insurance and you or the driver of your vehicle is at fault in an accident, you’ll be responsible for the cost of any damage to your own vehicle.
If you don’t have third party (also called Third Party Property Damage) insurance either, you’ll also be liable for damages caused to any third-party vehicle or property.
What does HCF Comprehensive Motor Insurance cover?
This insurance provides cover for accidental loss or damage to your vehicle, as well as your legal liability for the damage you cause to other people’s vehicles or property. Some examples of covered events include:
- motor accidents, like a collision with another vehicle
- theft
- fire damage
- storm damage
- hail damage
- damage while your vehicle’s parked.
For more information, see the Product Disclosure Statement.
Can I drive another vehicle with comprehensive insurance cover?
Your HCF Comprehensive Motor Insurance policy covers your car, which means it won’t cover you when you’re driving someone else's vehicle. You should always check their insurance policy details first, to confirm whether you’re covered driving their car.
Does comprehensive motor insurance include Compulsory Third Party Insurance (CTP)?
No. When you purchase Comprehensive Motor Insurance, it doesn’t include CTP. Also known as a Green Slip in NSW, CTP insurance covers your liability and the liability of anyone else driving your vehicle for injuries caused to other road users in a motor accident.
CTP doesn't provide cover for any damage you cause to other people's vehicles or property. Note that you can’t register a vehicle in Australia without CTP insurance.
What is Third Party Property Damage Motor Insurance?
Third Party Property Damage (TPPD) Motor Insurance, also known as third party insurance or legal liability, covers damage you cause to other people's vehicles and property while using your vehicle. This includes the cost of the damage and reasonable approved legal costs arising from a covered accident.
It doesn’t cover accidental loss or damage caused to your own vehicle, including from fire or theft. Nor does it cover injury you cause to other people.
If you do want to cover your vehicle from loss or damage, you might consider our Comprehensive Motor Insurance.
For more information on TPPD Motor Insurance, see the Product Disclosure Statement (PDS).
Is there an excess to pay?
Unless your policy specifically says there is no excess for a particular event (such as the basic excess removal for windscreen cover option) – you may need to pay an excess.
Check your policy schedule to see what your applicable excesses are.
What’s the difference between HCF Third Party Property Damage (TPPD) Motor Insurance and Compulsory Third Party (CTP) cover?
CTP insurance (also called a Greenslip in NSW) covers you for injuries to other people – caused by the driver of your vehicle. TPPD motor insurance covers you for damage to other people’s vehicles and property – also caused by the driver of your vehicle. Neither CTP nor third party insurances cover you for damage to your own vehicle.
Note, you can’t register a vehicle in Australia without CTP insurance.
What’s the difference between third party and comprehensive motor insurance?
The main difference between third party property damage (also called TPPD or ‘third party’) motor insurance and comprehensive motor insurance is that, while both cover your legal liability if you destroy or damage someone else’s vehicle or property, third party insurance does not cover any loss or damage to your own vehicle (subject to limited exceptions).
So, if you want to cover your car against loss or damage from accidents, fire, theft and legal liability, you should consider comprehensive insurance.
IMPORTANT INFORMATION
The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as an agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Motor Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS and the Financial Services Guide. The relevant Target Market Determination is available by calling 1300 657 046. If you purchase this insurance, we will receive a commission of up to 5% of the premium for each policy issued and renewed and may also receive a share of up to 40% of the underwriting profit. Ask us for more details before we provide you with services.
- Minimum premiums may apply. Any discounts / entitlements may be subject to minor adjustments (upwards or downwards) due to rounding and only apply to the extent any minimum premium isn’t reached. If you’re eligible for more than one discount, those are applied in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.
- The online discount applies to new comprehensive insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.
- Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and your financial institution transaction may apply transaction fees to instalment payments.
- Your rental car or daily travel allowance period will be extended to the extent that Allianz causes or contributes to the delay in repairing your vehicle.
- Safe Driver Discount applies to Comprehensive Motor Insurance policies only. Any discount entitlement is determined by the insurance history and driving history of all drivers on the policy and the number of claims made by them. If eligible, the maximum Safe Driver Discount that may be applied on new policies is up to 10%. For more information see the Premiums, Excess, Discounts and Options Guide (PED).
- Allianz may authorise repairs at your repairer of choice; pay you the reasonable costs of repairing your vehicle; or move your vehicle to another repairer we both agree upon. Allianz will act reasonably in doing so.
# To access the promotion code and to confirm the value of the ACTIV Visa e-Gift card you are eligible for, log in to the My Membership app or online member services and go to the insurance section of the HCF Thank You page. This promotion will run from 17 July 2024 12.01am AEST until 12 September 2024 11.59pm AEST (Promotion Period). The promotion is only available to HCF members and applies when you quote and buy a new Comprehensive Motor Insurance policy online during the Promotion Period and successfully input the code, provided the policy is not cancelled before the ACTIV Visa e-Gift card is distributed. The value of the ACTIV Visa e-Gift card you are eligible for is based on your HCF Thank You Membership Tier. The ACTIV Visa e-Gift card will be provided by Digital Glue Australia Pty Ltd (ACN 127 466 899) on behalf of HCF. HCF reserves the right to change, remove or amend partners and offers without providing written notice. HCF Thank You terms and conditions and HCF Home Insurance Campaign terms and conditions apply.