Hume car insurance offers you peace of mind and can get you back on the road as soon as possible after an accident. Allianz Australia Insurance Limited issues the insurance. There are three ranges of cover issued by this insurance, and it provides 24/7 claim support whenever you need it.

The policies available

  • Comprehensive insurance. This is the highest level of cover. It covers you for loss or damage resulting from fire, theft, malicious damage, and accidents. You will also get a new car replacement for vehicles less than two years old and are a total loss. Additionally, you will get cover for legal liability of $20 million if you damage another person’s property or vehicle or when the operation of your car results in bodily injury or death.
  • Third party property damage insurance. This policy offers $20 million of legal liability cover in the event that your vehicle causes accidental damage to someone else’s property or supplementary bodily injury. The cover also includes loss or damage resulting from a no-fault accident with an uninsured motorist. Finally, the cover is designed with affordable premiums.

Levels of cover for Hume Car Insurance 

Comprehensive insurance. 

  • Offers cover for damage or loss caused by vandalism, theft, fire, accident, and storm
  • Provides $25,000 accidental death benefit
  • Provides cover for towing cost, personal items, and towing costs
  • Covers theft for rental vehicle
  • Offers a legal liability cover of $20million for supplementary bodily injury and property damage
  • For vehicles less than two years there is cover for new car replacement
  • Provides round the clock claim support
  • Offers a 10% online discount
  • Provides an option to restrict cover to selected drivers.
  • Baby capsule or child seat cover
  • You can choose your repairer

Third party property damage insurance. 

  • Covers damage from uninsured motorist damage
  • You can choose your repairer
  • For supplementary bodily injury and property damage, the cover offers a $20million legal liability cover
  • Offers a 10% online discount
  • Provides payment options that are flexible

What Hume Car Insurance doesn’t cover 

Some of the things that may result from your claim not being paid include:

  • At the time of the incident, your car was being driven by an unlicensed driver.
  • A declined driver was driving your vehicle.
  • The person driving your vehicle was under the influence of drugs and alcohol.
  • Your vehicle was carrying people or load than the required capacity.
  • Your vehicle was in unroadworthy condition while being driven.
  • In association with the motor trade, your vehicle was being used for motorsport.
  • The damage or loss was an intentional, deliberate malicious, or criminal act by you, another person named in the policy, or anyone acting on your behalf.  
  • In case the tires damage was a result of the application of brakes, cuts, bursts, or road puncture.  
  • An accidental loss or damage that results from the legal confiscation of your car
  • You didn’t take the right steps to safeguard your car after an accident, theft, or breakdown.
  • If your car was stolen because you left the keys in the car unattended
  • It is as a result of a computer failure of similar equipment.
  • The loss or damage as a result of bushfire, flood, and a cyclone the first three days of cover 
  • The loss is for using your vehicle.

The excess charged

The amount you are required to contribute towards a claim is the excess. Your insurer will inform you of the excess payable when you make your claim.

Hume car insurance may apply the following excesses:

  • Basic excess. This is the amount you ought to pay for every claim; it comprises:
  • The minimum basic excess. This is the least amount that is due for each claim.
  • The voluntary excess. This occurs when you select higher excess in return for cheaper premiums.
  • The imposed excess. This is an excess the insurer may decide to apply in specific circumstances to your policy.
  • Age excess. This is payable if you claim for an accident that occurred when your vehicle was being driven by an individual below 25 years.
  • Undeclared young driver excess. It is an excess you must pay if you make a claim for an accident that occurred when your car was being driven by a person below 25 years and is not included in your policy cover.
  • In experienced driver excess. This is an excess that needs to be paid if the incident occurred and the driver was 25 years or older but has not held a driver’s license for two successive years leading up to your claim.
  • Theft excess. When you make a claim arising from theft or attempted theft of your car you ought to pay this excess.
  • Driver excess. The insurer might decide to impose certain excess on specific drivers listed on your policy.
  • Unnamed driver excess. In case the named driver option is present, an excess of $2,500 needs to be paid if you make a claim for an accident and your vehicle was being driven by someone not listed on your insurance as a named driver.
  • Restricted driver excess. In case you choose the restricted driver option and your vehicle was being driven by an individual under 25 years of age at the time of the incident, an excess of $2,500 applies.

Ways of saving your Hume Car Insurance policy 

Some of the things that you need to do to minimize your Hume Insurance Premium constitute:

  • Select an excess that is higher: To get cheaper premiums, vary your excess amount.
  • Restrict drivers. You will enjoy cheaper car insurance premiums if you restrict drivers under a certain age or those specifically named to your policy.
  • Pick a lower level of cover. Premiums will be affordable if you choose a lower cover.
  • Purchase online. Get a 10% discount when you buy Hume Car Insurance policy online.
  • Drive safe. Hume Car Insurance offers a 65% no-claim bonus, and you may also qualify for an additional safe driver discount.

Making a claim

Phone the insurer’s claim team or fill out a form if you need to make a claim. This is an indication you can make a claim 24/7, and in case you require help, a claim consultant will guide you accordingly through all the steps of making a claim.

As a customer, you may also be required to provide supporting evidence and information together with your filled-out claim. The information constitutes:

  • Your name and policy number
  • Complete details of the incident like where and when it happened
  • Proof in terms of photographs or the loss or damage (if applicable)
  • Incident report number from the police
  • Information of other witnesses or drivers involved in the accident.

Additional questions you may have 

Does the insurer provide a cooling-off period? 

Yes. There is a 14-day cooling-off period provided by Hume Car Insurance

Who is Hume Car Insurance?

The Allianz Australia Insurance limited issues Hume Car Insurance and Hume Bank sells it.

How much will I save if I buy my policy online?

You’ll get a 10% discount if you buy your policy online.

Does Hume comprehensive car insurance offer other optional benefits?

Yes, for an extra cost, you can add the following options:

  • Protected no-claim bonus for one at-fault claim
  • Car hire for 30 days following an accident
  • Elimination of basic excess on windscreen claims
  • Tools of trade cover

Hume Car Insurance policy could be the policy you are looking for if you are looking for affordable and competitive car insurance. But it is best to make a comparison on premiums, features, and exclusions from a variety of policies before making up your mind on the right cover for you and your car.

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