how to get a recover cover quote


Our award-winning customer service team* of Recover Cover specialists are here to answer your questions and help find the right cover for you.

We’re open:
Mon–Fri: 9am–6pm (AEST/AEDT).

Call 1800 560 855


When our specialists are available to chat online, you'll see a "Live chat" button on the right-hand side of this page. Simply click the "Live chat" button and a pop-up box will open, so you can start chatting straightaway. If no one's available to chat online, you could also send us an email at


We have branches right across Australia. Come and visit one of our Recover Cover specialists, if it's currently safe for you to do so.


Please read the relevant Product Disclosure Statement and Financial Services Guide available by calling 1800 560 855 or visiting, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at Recover Cover is issued by our own HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF). The premiums for Recover Cover products are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 40% of the first year's premium plus an additional commission of 80% of HCF Life's underwriting profit each year calculated as premiums less claims and expenses. HCF's staff may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year's premium.

**Recognised by the Customer Service Institute 9 years 2012 - 2020.

HCF Life is a member of the Financial Services Council and we are bound by its Life Insurance Code of Practice which sets out the Australian life insurance industry’s key commitments and obligations to customers. Further information is available at