 
        
		
	-  Overall
								7.0Overall
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									Claims Experience
									8Claims Experience
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									Customer Experience
									7Customer Experience
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									Value for Money
									6Value for Money
HBF review by Lio 
						HBF review
Generally a good insurer and handles claims well. As long as you are covered under your policy and keep receipts, no problem claiming. I find the annual increases a bit steep though. If the prices keep going up so much every year I may look at switching.
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 6.3 
									Overall Rating
										
											12 reviews
										
									
								- Awesome 7
- Good 2
- Average 1
- Bad 1
- Terrible 1
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	1.0They don't pay claims!...Operation 1. Delayed due to initial decline, left me in ER for a day whilst the issue was resolved!. ... 
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	7.0HBF reviewGenerally a good insurer and handles claims well. As long as you are covered under your policy and ke... 
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	9.6Awesome customer serviceFast and efficient customer service, great range of policies for a range of budgets. Easy to use, jus... 
 
											 
										
									 
            			
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