Everyday Insurance vs HCF: which is better? Comparison 2026
By our public methodology Everyday Insurance scores 89 out of 100 and HCF scores 86. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Everyday Insurance | HCF | |
|---|---|---|
| Reliability | 100 | 75 |
| Service | 71 | 86 |
| Products | 83 | 100 |
| Transparency | 100 | 100 |
Pros and cons
Everyday Insurance
- Long track record as a licensed insurer
- Wide range of products for private customers
- Holds a financial strength rating from a recognised agency
- Publishes annual financial reports
HCF
- Long track record as a licensed insurer
- Wide range of products for private customers
- Publishes annual financial reports
- Policies can be bought online
- No rating from a recognised agency stated on the website
Facts side by side
| Fact | Everyday Insurance | HCF |
|---|---|---|
| Licensed since | 1999 hollard.com.au | 1932 hcf.com.au |
| Buy a policy online | Yes insurance.everyday.com.au | Yes hcf.com.au |
| Rating from a rating agency | Yes hollard.com.au | No hcf.com.au |
| Financial reports online | Yes hollard.com.au | Yes hcf.com.au |
| Part of a group | Yes hollard.com.au | Yes hcf.com.au |
| Report a claim online | Yes insurance.everyday.com.au | Yes hcf.com.au |
| Mobile app | Not verified | Yes hcf.com.au |
| 24/7 phone line | Yes insurance.everyday.com.au | Yes hcf.com.au |
| Retail lines offered (of 6) | 5 insurance.everyday.com.au | 6 hcf.com.au |
| Policy terms online | Yes insurance.everyday.com.au | Yes hcf.com.au |
| Complaints procedure published | Yes insurance.everyday.com.au | Yes hcf.com.au |
| Calculator or tariffs | Yes insurance.everyday.com.au | Yes hcf.com.au |