Huddle Car Insurance

Huddle logo

Huddle Insurance is an Australian insurance provider offering car and home and contents insurance products. We have provided a summary of the car insurance cover available from Huddle below.

What types of car insurance does Huddle offer?

Huddle offers comprehensive cover and third party property car insurance, at the time of writing.

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.

Below is further information on Huddle comprehensive car insurance:

Comprehensive Car Insurance

Comprehensive cover is Huddle’s highest level of car insurance cover. The company states that it is designed to protect drivers for the cost of damage caused to their car, as well as to other people’s vehicles and property.

There are two levels of comprehensive car insurance offered by Huddle:

  • Everyday comprehensive
  • Huddle Black Comprehensive, which includes the cover available from their other car insurance products, but higher claim limits and other benefits.

Risks that are covered by Huddle Insurance’s Everyday Comprehensive policy include such things as:

  • Damage to another person’s property
  • Loss or damage to your car as a result of a collision, theft or attempted theft, malicious damage, fire and natural events. The amount paid is to the agreed value or market value.
  • New for old car replacement – Replace your car with a new car of the same make or most similar due to loss or damage to your car
  • Hire car after theft
  • Trailer and caravan cover – accidental loss or damage to your trailer or caravan whilst attached to your car
  • Essential repair reimbursement of up to $500 to restore car to roadworthy and safe condition to
  • Coverage for loss or damage to your car caused whilst transported between any places in Australia
  • Funds to cover accidental loss, theft or damage to personal property that was in your car at the time of the event
  • Funds towards replacing child seats, baby capsules and prams that were damaged or stolen in the car during the event
  • Funds towards accommodation and travel if you are more than 200km from home and your car cannot be driven
  • Payment to replace or record car locks as a result of keys being stolen and has been reported as theft to the police and were not stolen by a family member, invitee or person who normally resides with you
  • Reasonable towing costs

Value limits and conditions apply, so check the Product Disclosure Statement (PDS).

In addition, customers can choose to add on the following optional features (may be at an extra cost):

  • Pay as you Drive – Eligibility to save money if you drive up to 15,000 km per year
  • Hire car cover
  • Excess-free windscreen cover
  • Excess-free kangaroo damage cover
  • Sports gear cover

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Huddle car insurance FAQs

First, consider comparing comprehensive car insurance policies among a range of providers with Canstar to see if you can find a product that suits your needs.

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If you choose to go with Huddle, you can get a car insurance quote directly through its website. 

Does Huddle let you nominate a higher or lower excess?

Yes, Huddle Insurance does let you nominate a higher or lower Basic Excess, which can change the cost of your premiums. Huddle Insurance has a standard Basic Excess which is applied to all claims, and policyholders, when taking out a policy, are offered a range of options from $500 to $5,000 (to eligible applicants). There are other excesses which may be applied on top of the Basic Excess, when it comes time to claim. This could include:

  • Age excess – the driver is under 25 years of age
  • Sports gear cover fixed excess
  • Undeclared young driver excess
  • Learner driver excess
  • Inexperienced driver excess
  • Pay as you drive cover excess
  • Special excess

Remember, generally the higher the excess, the lower the car insurance premiums will be and vice versa.

Does Huddle let you choose between market and agreed value?

Huddle allows policyholders to choose between covering their vehicle for its market value or an agreed value for most claim types. Some exclusions may apply. Check with Huddle for details.

If you’re not sure which of these options would be better for your vehicle specifically, here’s an article about market vs agreed value which could help you make your mind up.

How do you lodge a claim with Huddle?

You can lodge a claim with Huddle by using their online platform or via their Zap app. Once the claim has been lodged, Huddle says that whilst some claims will receive a decision in minutes, outcomes may vary depending on the circumstances and information provided.

How do you renew your car insurance with Huddle?

Huddle will provide you with a renewal offer at least 14 days prior to the renewal date of the policy. Huddle states that if you want to cancel or change your policy, you need to let them know at least two days before the renewal date. If you don’t tell Huddle that you don’t want to renew your insurance coverage, you will be automatically charged the renewal premium from your designated account. There is a mandatory cooling off period for 14 days, during which time you can cancel your policy and receive a refund. Check the PDS for further information.

Consider comparing car insurance policies before simply renewing the same policy, to help ensure you can continue to get the cover you need as well as value for money.

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About Huddle

Huddle Insurance’s car and home and contents insurance policies are underwritten by The Hollard Insurance Company (the insurer). Prior to the COVID-19 pandemic, Huddle Insurance also offered travel insurance. It was established in 2016, and since then has provided an insurance product to 35,000 people, paying out, on average, about $1 million in claims each month. Huddle states that it is committed to giving 1% of its revenue to the planet.
Huddle Insurance is the business name of Open Insurance Pty Ltd.


This content was reviewed as part of our fact-checking process.

Written by: Tamika Seeto | Last updated: October 1, 2021