Hume Bank Car Insurance Review

Hume Bank is well priced in comparison to other insurers and has above average features. It's well worth considering.

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Gary Ross Hunter

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Key takeaways

  • Hume Bank Comprehensive was highly commended for its value in the 2026 Finder Awards.
  • Its comprehensive policy is underwritten by Allianz and includes choice of repairer.
  • Note that Hume Bank car insurance does not include roadside assistance.

Our verdict

Pros

  • Hume Bank offers similiar coverage to many other, more expensive providers, making it great value.
  • Its policies are issued by Allianz – one of Australia's most well-known and trusted insurers.
  • Its comprehensive policy covers the essentials (accidental damage, weather events) plus lets you choose your own repairer.

Cons

  • You may be able to get a cheaper policy elsewhere e.g. Budget Direct or AAMI.
  • Look elsewhere if you want roadside assistance – Hume Bank doesn't offer this.
  • Like most insurers, you'll need to pay extra to remove the basic excess for windscreen replacement or repairs.

How does Hume Bank car insurance compare with other car insurers?

We obtained quotes across a range of providers for a 30 year old male based in NSW.

Compare Hume Bank Car Insurance

2 of 2 results
Checked 7 October 2026
Finder Score Choice of repairer New Vehicle Replacement Roadside assistance Hail, storm and flood damage
Hume Bank logo
9.3 Excellent
Hume Bank Comprehensive
9.3 Excellent
  • If your car is written off in the first 2 years
    • Discount: Save up to 10% on your first year’s premium when you buy a new comprehensive car insurance policy online. T&Cs apply.
    Summary: Hume's highest level of cover includes up to $500 for emergency repairs, up to $1,000 for re-keying/re-coding stolen keys, 14 days temporary cover on replacement vehicle, and more.

    Who it might be good for: People prepared to name specific drivers on their policy for lower premiums.
    View details
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    Hume Bank logo
    9 Excellent
    Hume Bank Third Party Property Damage
    9 Excellent
    • View details
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    Showing 2 of 2 results

    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Read the full methodology

    Finder Awards badge

    Hume Bank scored in the Finder Awards

    The Hume Bank Comprehensive was highly commended for Best Low Cost Car Insurance in the 2026 Finder Awards.

    Full list of 2026 winners

    FAQs about Hume Bank car insurance

    Compare other products from Hume Bank

    Sources

    Pros

    • Hume Bank offers similiar coverage to many other, more expensive providers, making it great value.
    • Its policies are issued by Allianz – one of Australia's most well-known and trusted insurers.
    • Its comprehensive policy covers the essentials (accidental damage, weather events) plus lets you choose your own repairer.

    Cons

    • You may be able to get a cheaper policy elsewhere e.g. Budget Direct or AAMI.
    • Look elsewhere if you want roadside assistance – Hume Bank doesn't offer this.
    • Like most insurers, you'll need to pay extra to remove the basic excess for windscreen replacement or repairs.

    Compare car insurance in under a minute

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    Why choose Hume Bank car insurance?

    The following features and options are available through Hume Bank car insurance:

    • Two-year new car replacement. If your car is written off in the first 2 years of its first registration, it is replaced with a new one of the same make and model.
    • Choice of repairer. You have the flexibility to select your own preferred repairer for any authorised work required on your vehicle.
    • Theft-related rental car. The policy includes a rental car for up to 30 days (at a maximum of $100 per day) if your vehicle is stolen.
    • Key and lock cover. Provides up to $1,000 for the cost of re-keying or re-coding your vehicle's locks if the keys are stolen.
    • Emergency travel and accommodation. Provides up to $1,000 for transport and accommodation if an accident occurs more than 100km from where the car is normally parked at night.
    • Personal effects protection. Includes up to $1,000 for personal belongings that are lost or damaged during a covered incident or theft.
    • Lifetime repair guarantee. Authorised repairs are backed by a guarantee on workmanship and materials for as long as you own or lease the vehicle.

    How much does Hume Bank car insurance cost?

    To help give you an idea about Hume Bank car insurance costs, we gathered annual quotes across their various policy types. Just remember, prices are going to change based on things like your vehicle make, model and year, where the car is parked, driver's age, claim history and your address, so it's always worth comparing policies and getting a few quotes.

    2 of 2 results
    Updated regularly
    Comprehensive annual quote Third party fire & theft annual quote Third party property damage annual quote
    Hume Bank logo
    9.3 Excellent
    Hume Bank Comprehensive
    $1,666.58
    N/A
    N/A
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    Hume Bank logo
    9 Excellent
    Hume Bank Third Party Property Damage
    N/A
    N/A
    $571.50
    View details
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    Showing 2 of 2 results

    What isn't covered by a Hume Bank policy?

    To ensure you know exactly what is and isn't covered, always read the product disclosure statement. The following list reflects some of the general exclusions found in the Hume Bank car insurance product disclosure statement:

    • Consequential financial loss
    • Theft with keys left in or on the vehicle
    • Natural disasters within the first 72 hours of cover
    • Pre-existing damage or faulty repairs
    • Use of incorrect fuel or lubricants
    • Tyre damage from punctures, cuts, or bursts
    • Wear and tear, rust, or corrosion
    • Refusing an alcohol or drug test
    • Unsafe or unroadworthy vehicle condition
    • Racing, trials, or track use
    • Use for hire, fare, reward, or delivery services
    • Overloading or towing beyond capacity
    • Unlicensed or disqualified drivers
    • Alcohol or drug impairment
    • Intentional or deliberate acts
    • Mechanical or electrical breakdown
    • Carrying hazardous or flammable goods
    • Lawful seizure or repossession
    • Unauthorised repairs without consent
    • Damage from domestic pets, insects, or vermin

    How to make an online claim

    The following steps are required to submit a car insurance claim through the Hume Bank website:

    1. Access the portal. Visit the Hume Bank insurance claims page and log in with your policy number and personal details.
    2. Log incident details. Provide the date, time, and exact location of the event. Select the cause of damage, such as a collision, hail, or theft.
    3. Identify other parties. Enter the names, addresses, and vehicle registrations of any other drivers involved. Include witness contact details if available.
    4. Submit evidence. Upload photos of the damage to all vehicles or property. For theft or malicious damage, provide the police report number and station name.
    5. Address the excess. Review the applicable excess amounts in your policy schedule. These are typically paid to the repairer or deducted from your settlement.
    6. Submit. Lodge the claim to receive a reference number. You can use this to track the assessment and repair progress through the online portal.
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    Journalist
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    Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

    Gary Ross's expertise
    Gary Ross has written 526 Finder guides across topics including:
    • Health, home, life, car, pet and travel insurance
    • Managing the cost of living
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