Also, if you're booking with a non refundable deposit, you must buy the HAL insurance at the time of your deposit. This would include booking the bare bones, 'best price' fare on the website which does not include HIA (I think that thd one with HIA is called the 'best value' fare and its deposit is refundable therefore you can wait till just before final payment to purchase the insurance). If you want a refundable deposit, a later insurance purchase, but not HIA, you have to call in to a TA or HAL and ask for the 'advantage fare'.