About Huddle car insurance
Huddle was established in 2016 as a technology-driven insurance provider, offering a range of general insurance products including car insurance. Huddle Insurance is the business name of Open Insurance Pty Ltd, which is part of insurance technology company Open.
Huddle is an agent for insurer Hollard Insurance Company Pty Ltd .
What types of car insurance does Huddle offer?
Huddle offers the following car insurance policies:
Comprehensive car insurance
Comprehensive car insurance is the most extensive form of cover available, providing protection for damage to your own vehicle as well as to other people’s vehicles and property. Due to its broad coverage, it is generally the most expensive type of optional car insurance.
Huddle offers two tiers of comprehensive car insurance:
- Comprehensive Cover: This standard policy includes protection against theft, fire, weather-related events, and damage to both your vehicle and third-party property.
- Huddle Black Comprehensive: An enhanced policy that encompasses all the benefits of the standard cover, with additional features such as higher claim limits, rental car excess or bond cover, and the option to choose your own repairer.
These options allow policyholders to select a level of coverage that best suits their individual needs and preferences.
Third Party Property Damage insurance
Third Party Property Damage insurance provides cover for damage you cause to other people’s vehicles and property. It does not cover damage to your own car. This is typically the most basic and affordable form of optional car insurance.
Huddle also offers limited protection for your own vehicle through optional Fire and Theft cover. If selected, it provides cover for fire, theft and attempted theft, with repair or replacement costs covered up to specified limits in defined situations.
If you’re unsure about which kind of car insurance is most appropriate for you, or you’d like more information on the differences between the different levels of cover, here’s our guide to the different kinds of car insurance in Australia.
What does Huddle’s comprehensive car insurance cover?
At the time of writing, Huddle’s comprehensive car insurance includes cover for:
- Loss or damage to your car caused by accidents, collisions, theft or attempted theft, malicious damage, fire (including bushfire), and natural events like hail, storm, flood, and cyclone.
- Accidental loss, theft, or damage to personal property inside your car that is meant to be worn or carried (such as clothes and bags). This also includes child safety seats and prams up to specified limits.
- Essential temporary repairs necessary after a valid claim for loss or damage.
- Hire car costs following theft of your vehicle.
- New-for-old car replacement when certain conditions are met (typically for newer vehicles).
- Emergency travel and accommodation expenses related to an insured event.
- Replacement or recoding fees for stolen car keys.
- Reasonable towing costs after an insured event.
- Legal liability cover for damage to other people’s property caused by you.
- Option to choose a ‘Pay As You Drive Cover’ and potentially save money on your premium if you drive less than 15,000 km per year.
Building on the standard comprehensive policy, the Huddle Black Comprehensive policy offers additional benefits, including:
- Cover for rental car excess or security bond when you rent a vehicle.
- Choice of repairer, allowing you to select where your car is repaired.
- Higher claim limits on certain benefits compared to the standard comprehensive policy.
For more detail on what is and isn’t covered under Huddle’s comprehensive car insurance, read the product disclosure statement (PDS).
How are Huddle car insurance premiums calculated?
There are a variety of factors that may affect the cost of your premiums. According to Huddle, your driving history is a key factor influencing your premium. In addition, other commonly considered factors when calculating your premium include:
- The cover you choose
- The type of car you own (such as make, model and age)
- Where you live, and how you park your car overnight
- Your car’s accessories or accepted modifications
- Factors relating to the drivers of your car (such as their age and driving history)
- The value of your car
- The claim’s excess you choose. Opting for a higher excess could reduce your premium, but keep in mind that you’d need to pay that higher excess amount if you need to make a claim.
Another factor that can affect your premium is the approximate distance your car is driven per year. At the time of writing, Huddle offers a ‘Pay As You Drive Cover’ that could reduce your premium depending on how much you plan to drive in a year.
Does Huddle offer discounts for its car insurance?
At the time of writing, Huddle does offer a ‘Pay As You Drive Cover’ for those that drive less than 15,000 km a year, which Huddle says could save you up to 30% off your premium compared to its regular comprehensive cover.
Alternatively, paying your car insurance as an annual payment instead of monthly instalments can also help save on your premium. However, remember to check for updated terms and conditions, as well as any ongoing offers or discounts, as insurers can update their pricing, policies and promotions at any time.