Motor Vehicle Insurance

Don’t Become a Statistic Without the Right Numbers to Back You.
Let’s face it, road accidents are going to happen and the best we can do is drive smart, defensive and with a quality vehicle, but still, we can’t control the other vehicle. That’s why we insure ourselves against these scenarios.

HFC’s Motor Vehicle Insurance Policy is a comprehensive two-way insurance plan that not only covers your motor vehicle but also your legal liability. Underwritten by one of the oldest and most trusted insurance companies in Fiji, TOWER Insurance (Fiji) Limited, HFC Motor Vehicle Insurance has got you covered.

Special Features

The HFC Motor Vehicle Insurance offers two different levels of protection. Whether you choose the ‘Super Thrifty’ or ‘Executive’ protection Cover, you are automatically entitled to these benefits.

Money Back Guarantee

We will refund your premium in full if after 30 days of insuring your vehicle you are not completely happy with your policy (certain conditions apply).

Salvage Costs

If your vehicle is unable to be driven after an accident and we have accepted the claim, we will pay reasonable cost of removal to the nearest vehicle repairer.

Deliberate Loss or Damage

If your vehicle is being shipped between ports in Fiji, we will pay for any contributory costs you may have incurred due to deliberate loss or damage to prevent the loss of a ship and/or cargo.

Legal Liability Cover

We will pay for your legal liability arising from loss or damage to the property of others, which has been caused by your vehicle (certain conditions apply and different limits apply).

Executive Protection

This is one of the best in the business! The name says everything. Executive Protection provides you with the maximum amount of motor protection you could reasonably need. It gives you an excellent standard of cover if you have a quality vehicle which requires an above-average level of protection. The following are examples of additional Executive Protection cover.

No Claim Bonus Protection

Should you need to make a claim and have enjoyed a No Claim Bonus for a continuous period of five years prior to your accident, then we will give you another chance and you will keep your No Claim Bonus.

Windscreen & Window Glass Breakage Excess Free

Windscreen and window glass breakages are covered for no extra cost and should a breakage occur, you would not pay any excess or lose your No Claim Bonus.

Legal Expenses

If as a result of any accident for which a claim is payable under your policy you are charged with careless use, dangerous driving or dangerous driving causing death, we will pay up to $1,200 for legal costs toward your defense.

$500 Accommodation & Travel Costs

We will pay for reasonable accommodation and travel costs up to $500 to help you complete your journey following an accident involving your vehicle for which a claim is payable.

$500 Rental After Theft

If your car is stolen, WE will pay for you to hire a similar vehicle for maximum of seven days or $500

Automatic Insurance For Replacement Vehicles

If you advise us within 14 days of the purchase, Executive Protection automatically insures your replacement vehicle, subject to the terms and conditions of your existing policy.

Total Replacement of New Vehicle

If your vehicle is less than a year old and it is a total loss then we will replace your vehicle with a new vehicle of the same make and model (subject to local availability).

Optional Special Benefits

Rental Expenses

If you choose this Optional Extra, We will pay the cost up to $2,000 of hiring a vehicle similar to your own if your vehicle is unable to be driven as a result of an accident or theft.

Super Thrifty Protection

This level of protection is perfect for the budget conscious person who still requires a sensible amount of insurance. Super Thrifty protects you against accidental loss or damage to your vehicle and the accidental damage to other people’s property which has been caused by your vehicle.

Optional Special Benefits

Windscreen & Window Glass Breakage Excess Free

If you choose this Optional Extra, windscreen and window glass breakages are covered and no excess will apply. Like many things in life you tend to get what you pay for, and this is particularly the case with insurance. The more you pay in premiums, the more protection you receive in return for your money.


This is only a summary of the policy. Please refer to the policy document] for full details.

Application for Motor Vehicle Insurance

Underwritten by Tower Insurance


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