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How we picked these
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.
Hume Bank offers two types of insurance: comprehensive car insurance and third party property damage (TPPD). Comprehensive car insurance covers damage to your own car as well as others. TPPD covers your legal liability for loss or damage to someone else's property.
Hume Bank car insurance policies are issued by Allianz Australia Insurance Limited.
According to the AFCA, Allianz (which issues Hume Bank car insurance policies) received 494 in the most recent financial period. This is good compared to other very large insurers such as AAI Limited and Insurance Australia Limited who received 1,698 and 1,087 in the same period.
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.
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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.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
To determine these insurance costs, we sourced comprehensive, third party fire and theft & third party property damage car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in March 2026.
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:
Access the portal. Visit the Hume Bank insurance claims page and log in with your policy number and personal details.
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.
Identify other parties. Enter the names, addresses, and vehicle registrations of any other drivers involved. Include witness contact details if available.
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.
Address the excess. Review the applicable excess amounts in your policy schedule. These are typically paid to the repairer or deducted from your settlement.
Submit. Lodge the claim to receive a reference number. You can use this to track the assessment and repair progress through the online portal.
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.
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Australian Unity car insurance, underwritten by Allianz, offers two levels of cover, the freedom to choose your own repairer and an easy 24-hour claims service.
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Explore our analysis and see how you can find the best car insurance for your needs.
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