Banner
Banner
Banner
Banner
Banner

Click a logo below to get an instant quote on your car insurance

ozinsure60
 Budget Direct Insurance
Owned By: Members (non for profit to benefit its members) Underwritten By: CGU Insurance Limited

Leave Review

GET A QUOTE COMPARE POLICY FEATURES

The Hospitals Contribution Fund of Australia (HCF) is not-for-profit organisation, so members get more, not shareholders. HVF has also set up a not for profit charitable trust to encourage medical research of all kinds and research and enquiry into the provision, administration and delivery of health services as sign of their continued support for health in Australia.

Although HCF are specialist health insurers they can now offer car insurance as a way of adding value to your HCF membership through an alliance with CGU Insurance.

Source: HCF

Comprehensive Motor
Owned by:
Members (non for profit to benefit its members)
Underwritten by:
CGU Insurance Limited
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
Yes (conditions)
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
Yes
Maximum No claim bonus:
60%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
$5000 for funeral
Legal Costs:
Yes (defending a claim) + $5000 Coronal Inquirey
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (see excess)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
2 yrs / 30,000km or 3 yrs / 50,000km
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
$500 (>100km, 1 night accomodation only)
Recovery, towing and storage after accident:
$500 Tow + Storage
Accident Clean Up:
Yes
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
Yes
Trailer cover available:
$1000
Relacement Keys:
$1000
Rental car following theft:
14 days
Rental car after accident:
No
Restricted Driver Discounts:
Yes
Windscreen Excess Reduction:
Optional
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Third Party Property Motor
Owned by:
Members (non for profit to benefit its members)
Underwritten by:
CGU Insurance Limited
Owner of Underwriter:
Insurance Australia Group
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
$5000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending a claim) + $5000 Coronal Inquirey
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (see excess)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
Yes
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Third Party Property (Fire & Theft) Motor
Owned by:
Members (non for profit to benefit its members)
Underwritten by:
CGU Insurance Limited
Owner of Underwriter:
Insurance Australia Group
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
$5000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending a claim) + $5000 Coronal Inquirey
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (see excess)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
$500 (>100km, 1 night accomodation only)
Recovery, towing and storage after accident:
$500 Tow + Storage
Accident Clean Up:
Yes
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
$1000
Rental car following theft:
14 days
Rental car after accident:
No
Restricted Driver Discounts:
Yes
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Excess
Variable Excess
Yes
Basic Excess
$450
Remove Excess
Yes
<19 years old
$750
Years to Rating 1
5 years
19-21 years old
$600
21-25 years old
$350
Licensed <2 years
$350
Not Nominated
Applies to Nominated Driver policies only (dbl the excess amount normally applicable)
Not at fault claims
No Excess
No Claims Discount (ncd)
Rating 2
50%
Window & Glass
No change if not at fault
Rating 3
40%
Not your Fault (no-fault)
No change
Rating 4
30%
Your Fault (at-fault)
Downgrade NCD if you don't hold NCD protection
Rating 5
20%
Lifetime rating 1
No
Rating 6
Zero (0%)
NCD Protection
Optional (1 free if rating 1 & qualify for an free earnt NCD protection)
Rating 1
60%