Founded in 2016, Huddle is an Australian car insurer whose mission is to make insurance simple for everyone. Huddle has easy-to-understand car insurance policies that are backed by clever technology.
Although they do employ people to look after their customers via their call centre, Huddle uses artificial intelligence to help you with your application and process your claims 24/7 – sometimes you’ll receive a decision within minutes! Huddle’s powerful tech is paired with a team of insurance experts, so there’ll still be a human to talk to if you need assistance.
While their approach to insurance is modern, they’re backed by decades of experience from their underwriter Hollard Insurance, a leading international insurer.
Although relatively fresh on the scene, Huddle has wasted no time getting big insurance products into the market, such as home and contents insurance and car insurance.
Huddle offers several levels of car insurance, as well as multiple optional extras, to provide plenty of choice to customers.
Through Compare the Market, you can compare Huddle’s Third Party Property policy (which has the option of upgrading to cover fire and theft too), or Huddle’s Everyday Comprehensive car insurance policy. Customers who drive less than 15,000kms per year can choose Huddle’s Pay As You Drive, which is the same as their Everyday Comprehensive but up to 30% cheaper.
Huddle also offers a higher-tier comprehensive policy, Huddle Black.
| Insured events | Third Party Property | Third Party Property with Fire and Theft option | Everyday Comprehensive | Huddle Black Comprehensive |
| Accidental damage to your vehicle | ✗ | ✗ | ✓ | ✓ |
| Fire damage | ✗ | ✓ (up to the lesser of $10,000 or the market value) | ✓ | ✓ |
| Theft | ✗ | ✓ (up to the lesser of $10,000 or the market value) | ✓ | ✓ |
| Damage to other people’s property | ✓ (up to $20m) | ✓ (up to $20m) | ✓ (up to $20m) | ✓ (up to $30m) |
| Flood and storm damage | ✗ | ✗ | ✓ | ✓ |
| Damage to your car caused by an uninsured driver | ✓ (up to $3,000) | ✓ (up to $3,000) | ✓ | ✓ |
| Malicious damage | ✗ | ✗ | ✓ | ✓ |
| New car replacement if you’re the first owner | ✗ | ✗ | ✓ (Up to two years from first registration) | ✓ (Up to three years from first registration) |
| Personal property | ✗ | ✓ (up to $500) | ✓ (up to $500) | ✓ (up to $1,000) |
| Emergency travel and accommodation | ✗ | ✓ (up to $500 if more than 200km from home) | ✓ (up to $500 if more than 200km from home) | ✓ (up to $2,000, (emergency accommodation only applies if 100km or more away from home) |
| Reasonable towing costs | ✗ | ✓ | ✓ | ✓ |
| Essential repairs | ✗ | ✓ (up to $500) | ✓ (up to $500) | ✓ (up to $500) |
| Hire car following theft for up to 14 days | ✗ | ✓ (up to $70/day) | ✓ (up to $70/day) | ✓ (up to $80/day) |
| Attached trailer and caravan cover | ✗ | ✗ | ✓ (up to $1,000) | ✓ (up to $1,000) |
| Child seats and prams | ✗ | ✗ | ✓ (up to $500) | ✓ (up to $500) |
| Lock and key replacement | ✗ | ✓ (up to $1,000) | ✓ (up to $1,000) | ✓ (up to $2,000) |
| Rental car excess cover | ✗ | ✗ | ✗ | ✓ (up to $2,000) |
| Choice of repairer | ✗ | ✗ | ✗ | ✓ |
| Information accurate as of 28 August 2024 but is subject to change. Full coverage details and applicable definitions, exclusions and limitations are set out in the relevant Huddle Product Disclosure Statement (PDS). Always read the PDS and the Target Market Determination (TMD) before purchasing. | ||||
In addition to the range of included benefits listed in the table above, Huddle Insurance offers a suite of optional extras.
Huddle has great benefits included in their car insurance policy, plus a whole range of optional extras to extend your coverage even more. Furthermore, they’re a Certified B Corp, meaning they meet the highest standards of transparency, accountability, social and environmental performance according to environmental non-profit B Lab.
New Huddle customers will need to set up direct debit to pay for their car insurance monthly or annually. You will need to provide a credit card or bank account and select which payment schedule you will go with. If you pay monthly, there will be a small bookkeeping fee added to the cost of the premium.
As with most insurance companies, it is cheaper in the long run to pay for Huddle car insurance annually rather than monthly, though it costs more upfront.
Huddle car insurance does cover younger drivers under the age of 25. These drivers may incur an additional excess if you need to claim if they were driving at the time of the incident.
If you need to make a claim with Huddle, you can do so online through their website. Alternatively, you can call Huddle’s claims line to get assistance from their dedicated customer service team.
You’ll need to provide supporting documentation like:
There are several different excess payments included in Huddle car insurance policies. Depending on the circumstances of your claim, you may incur multiple excess payments at once. These can include:
You can cancel your Huddle car insurance by calling their customer line or going online through Huddle’s website. Huddle has a 14-day cooling-off period where you can cancel within 14 days of purchasing or renewing your policy for a full refund.
If you pay for Huddle car insurance annually and cancel after this cooling-off period, you will receive a refund for the period of cover you haven’t used yet, minus any cancellation fees.
If you have a comprehensive Huddle car insurance policy, you may have access to the Pay As You Drive option, where you choose your annual kilometres limit up to a maximum of 15,000km. This can help you save money on the cost of the policy by driving less throughout the year.
You’ll need to provide the current odometer reading at the beginning of your policy, and a new reading at renewal or when making a claim. If the reading is above the limit you chose, you’ll need to pay an additional excess when making a claim.
Huddle doesn’t provide car insurance if you use your vehicle for ridesharing. It does provide cover for business use, which can involve driving to meetings with clients, driving to worksites and carrying tools.
You can compare Huddle car insurance policies alongside other products from a range of brands – all for free! Better yet, it’s really easy and only takes a few minutes.
Our car insurance comparison service lets you weigh up available options based on coverage details, optional extras, excess payments and more.
So why not see what we have to offer? Compare car insurance today.
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