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If you’re looking for car insurance that provides peace of mind and can get you back on the road as soon as possible after an accident, it’s worth taking a closer look at Hume Car Insurance. Issued by Allianz Australia Insurance Limited, Hume Car Insurance offers three levels of cover, a range of cover discounts and 24/7 claims support whenever you need it.
Read on to learn about your policy options.
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What policies are available?
- Comprehensive insurance. The highest level of cover available from Hume, comprehensive insurance covers your car for loss or damage caused by accidents, fire, theft and malicious damage. New car replacement is provided for vehicles less than two years old that are a total loss, while $20 million of legal liability cover is included for when you cause accidental damage to someone else’s car or property, or when the operation of your vehicle causes bodily injury or death.
- Third party property damage insurance. A no-frills policy designed with affordable premiums in mind, Third Party Property Damage Insurance offers $20 million of legal liability cover when the use of your vehicle causes accidental loss or damage to someone else’s property or supplementary bodily injury. Cover is also included for loss or damage resulting from a no-fault accident with an uninsured motorist.
Hume Car Insurance cover levels
- Covers loss or damage caused by accidents, fire, storm theft and vandalism
- New car replacement for vehicles less than two years old
- $25,000 accidental death benefit
- Cover for emergency repairs, personal items and towing costs
- Rental vehicle after theft
- $20 million legal liability cover for property damage and supplementary bodily injury
- Child seat / baby capsule cover
- Option to restrict cover to selected drivers
- Your choice of repairer
- 24/7 claims support
- 10% online discount
Third party property damage insurance.
- 24/7 claims support
- 10% online discount
- Flexible premium payment options
What isn't covered?
Your Hume Car Insurance claim will not be paid if:
- Your car was being driven by an unlicensed driver at the time of an incident
- Your car was being driven by someone shown in your policy as a declined driver
- Your car was being driven by someone under the influence of alcohol or drugs
- Your car was carrying more people or a larger load than it was designed to carry
- Your car was being driven in an unsafe or unroadworthy condition
- Your car was being used to carry passengers for hire, fare or reward
- Your car was being used for motor sport or in connection with the motor trade
- It results due to a deliberate, intentional, malicious or criminal act by you, anyone else named in the policy schedule, or anyone acting with your consent
- It is for loss of use of your vehicle
- It is for tyre damage caused by the application of brakes or by road punctures, cuts or bursts
- It is for accidental loss or damage that results from the lawful seizure of your car
- You fail to take reasonable steps to safeguard your car after an accident, theft or breakdown
- If you left your keys in your car when it was unattended and the car was stolen
- It is caused by the failure of a computer or similar equipment
- It is for loss or damage caused by cyclone, flood or bushfire in the first 72 hours of cover
What excess is charged?
The excess is the amount you are required to contribute towards the cost of a claim. There are several excesses that may apply, and the insurer will let you know if an excess is payable when you make a claim.
The excesses that may apply to your Hume Car Insurance policy include:
- Basic excess. This is the first amount you must pay on each claim and it is made up of:
- The minimum basic excess, which is the minimum amount that is due for each claim.
- The voluntary excess, which applies if you choose a higher excess in return for cheaper premiums.
- The imposed excess, which the insurer may choose to apply to your policy in specific circumstances.
- Age excess. The age excess is payable if you claim for an accident that occurred when your vehicle was being driven by someone under 25 years of age.
- Undeclared young driver excess. If you make a claim for an accident when your vehicle was being driven by someone under 25 who was not listed on your policy schedule, you will need to pay this excess.
- Inexperienced driver excess. This excess must be paid when the driver of your vehicle at the time of an accident is 25 years or older but has not held a driver’s licence for two consecutive years leading up to your claim.
- Theft excess. This excess is payable when you make a claim arising from the theft or attempted theft of your car.
- Driver excess. The insurer may choose to impose an excess on specific drivers listed on your policy.
- Unnamed driver excess. If the named driver option applies, this $2,500 excess must be paid when you make a claim for an accident and your vehicle was being driven by anyone not listed on your policy as a named driver.
- Restricted driver excess. This $2,500 excess applies when you have selected the restricted driver option and your vehicle was being driven by someone under 25 years of age at the time of an incident.
How to save on your Hume Car Insurance policy
There are several things you can do to minimise your Hume Car Insurance premium, such as:
- Choose a higher excess. You can vary your excess amount to receive cheaper premiums.
- Restrict drivers. By restricting cover to drivers under a certain age or to drivers specifically named in your policy, you can enjoy cheaper car insurance premiums.
- Choose a lower level of cover. The lower the level of cover you choose, the more affordable premiums will be.
- Buy online. Hume Car Insurance offers a 10% premium discount when you buy your policy online.
- Drive safe. A maximum no-claims bonus of 65% is available, while you may also be eligible for an additional safe driver discount.
How do I make a claim?
If you need to make a claim on your Hume Car Insurance policy, you can phone the insurer’s claims team at any time or fill out an online claim form. This means you can lodge a claim 24 hours a day, 7 days a week, and if you need help a claims consultant will be able to guide you through every step of the claims process.
You may also need to provide information and supporting evidence along with your completed claim, such as:
- Your name and policy number
- Photographic evidence of the loss or damage (if applicable)
- A police incident report number
- Details of any other drivers or witnesses involved in the incident
Some final questions you might have
If you’re searching for affordable and competitive car insurance, Hume Car Insurance could be just what you’re looking for. However, it’s important to compare premiums, features and exclusions across a range of policies before deciding on the right cover for you and your vehicle.
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