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Huddle Car Insurance

Huddle is a growing car insurer in Australia focused on providing quality, technology-driven car insurance while meeting its environmental commitments. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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Huddle is an Australian insurance provider offering a range of insurance products underwritten by Hollard. As a tech-focused company, Huddle aims to make insurance simpler and easier to manage through its digital services. Furthermore, as a Certified B Corporation, Huddle is committed to meeting the highest social and environmental performance standards.

In this review, we take a look at Huddle’s car insurance products so you can understand your options. Find out what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by Huddle is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Huddle if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Huddle for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through Huddle?

Huddle offers the following types of car insurance to Australian drivers:

Huddle Black Comprehensive Cover

Comprehensive car insurance is the highest tier of cover available in Australia, offering an extensive list of inclusions. Huddle Black is Huddle’s top level of comprehensive car insurance cover, offering all the benefits of its Comprehensive plan plus additional benefits and higher limits. It includes the following:

  • Coverage if your car is lost or damaged due to accidents, collision, theft or attempted theft, malicious damage, fire (including bushfire) or natural events
  • New-for-old car replacement if your car is written off within the first 3 years of its original registration
  • Hire car after theft, up to $80 per day for up to 14 days
  • Up to $1,000 for accidental loss or damage to a trailer or caravan while it is attached to your car
  • Up to $500 for essential temporary repairs to make your car roadworthy
  • Reimbursement for any loss or damage to your car that occurs during transportation
  • Up to $1,000 coverage for accidental loss, theft or damage to personal property in your car
  • Up to $500 for replacing child seats, baby capsules and prams that were damaged or stolen while in the car
  • Up to $2,000 reimbursement for necessary travel expenses and temporary accommodation if your car cannot be safely driven home or is damaged in an accident more than 100km from home
  • Up to $2,000 coverage for the replacement or recoding of your car’s locks and keys after theft
  • Reasonable costs of towing a damaged car to a safe place and to an approved repairer
  • Up to $2,000 for any excess or security bond required under a rental or loan car agreement due to loss or damage to the car while in your custody
  • Up to $30 million legal liability cover
  • Legal liability cover for accidents involving an uninsured registered substitute car that you have legal use of, if your car is inoperable due to a valid claim and undergoing repairs
Comprehensive Cover

Comprehensive car insurance covers you for damage to your car, as well as damage to other people’s property. Huddle’s Comprehensive plan has the following inclusions:

  • Coverage for loss or damage to your car in the case of accidents, collision, theft or attempted theft, malicious damage, fire (including bushfire) or natural events
  • Replacement car if your car is deemed a total loss within the first 24 months of its original registration due to theft or damage
  • Hire car or reimbursement, up to $70 per day for a maximum of 14 days
  • Up to $1,000 for any accidental loss or damage to a trailer or caravan that occurs while it is attached to your car
  • Up to $500 for essential temporary repairs to restore your car to a roadworthy and safe condition
  • Coverage for loss or damage to your car while it is being transported between different locations in Australia
  • Up to $500 for accidental loss, theft or damage to personal items in your car
  • Up to $500 to replace child seats, baby capsules and prams damaged or stolen while in the car
  • Up to $500 for accommodation and travel expenses if you are more than 200km from home and your car cannot be driven
  • Up to $1,000 to replace or recode your car’s locks and keys in the event of theft
  • Reasonable costs of towing a damaged car to the nearest safe location and to an approved repairer
  • Up to $20 million legal liability cover
  • Substitute car legal liability cover if you are involved in an accident while using an uninsured registered substitute car
Third Party Property Cover

Third-party car insurance is less extensive than comprehensive plans, offering significantly more limited coverage but at lower cost. Huddle’s most basic plan has the following inclusions:

  • Coverage for damage to other people’s vehicles and property
  • Up to $20 million legal liability cover
  • Up to $3,000 or the market value for collision damage caused by an uninsured third party, including essential repairs and towing costs to a safe location or approved repairer

You can choose to add optional Fire & Theft Cover to your policy, which has the following inclusions:

  • Coverage for theft, attempted theft and fire (including bushfire), up to the lesser of $10,000 or the market value of your car
  • Hire car after theft, up to $70 per day for up to 14 days
  • Up to $500 for essential repairs to make your car roadworthy
  • Up to $500 for theft or damage to personal items in your vehicle
  • Up to $500 for accommodation and travel expenses if you are more than 200km from home and your car is inoperable
  • Up to $1,000 to replace or recode your car’s locks and keys after theft
  • Reasonable towing costs to transport your damaged car to the nearest safe location and to an approved repairer

Are there any optional extras available through Huddle?

Yes – Huddle offers several optional extras on its Huddle Black Comprehensive and Comprehensive car insurance plans:

  • Pay As You Drive cover: if you drive less than 15,000 km a year you can switch to a PAYD plan to save on your premium
  • Hire car following theft or damage to your vehicle
  • Excess-free windscreen cover: if your front windscreen is broken or damaged, you will be covered for one claim
  • Excess-free kangaroo damage cover: if your car is accidentally damaged after a collision with a kangaroo or other animal, the excess will be waived
  • Sports gear cover: cover for your sports gear while in or attached to your car, up to $3,000

What are some of the pros and cons of buying car insurance through Huddle?

  • Choice of optional extras: Huddle’s comprehensive plans have a number of optional extras such as kangaroo damage cover and sports gear cover.
  • PAYD option: if you drive less frequently, you can choose PAYD cover as an optional extra on comprehensive plans to save on your premium.
  • Market or agreed value cover: Huddle lets your choose whether to insure your car for its market value or agreed value.
  • Limited child car seat cover: the cover for children’s car seats and prams is capped at $500 as of July 2023.  
  • No choice of repairer: for third-party and standard Comprehensive plans, Huddle will only authorise repairs done by a repairer it has appointed and approved.

Common questions about Huddle car insurance

How do I lodge a car insurance claim with Huddle?

You can make a claim or otherwise manage your policy at any time online by logging in to your Huddle account. If you need help, you can book an appointment online for a member of the Huddle team to call you.  

Can I get in touch with Huddle if there is an emergency?

Yes – Huddle has a dedicated phone line available 24/7 if you need emergency help. Details are available on the Huddle website.

How does Huddle’s Pay As You Drive cover work?

PAYD cover is an option on Huddle’s comprehensive plans, aimed at drivers who have limited driving time. You can choose the number of kilometres you expect to drive during the policy period, ranging from 1,000 to 15,000km, and must submit odometer readings at the beginning and end of your policy period. If you need more kilometres, you can top up and adjust your premium accordingly.

What does it mean that Huddle is B Corp Certified?

As a B Corp Certified organisation, Huddle is committed to meeting high standards of social and environmental performance, demonstrating its commitment to using business as a force for good.

Huddle has also partnered with Greenfleet for a carbon offset initiative, where Huddle will pay to help offset carbon emissions by planting and protecting native forests for every new policy bought.

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