Huddle car insurance review

Huddle’s pricing was slightly higher than average with fairly stock-standard benefits. However, generous premium reductions are available to infrequent drivers.

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Huddle

Our verdict

Pros

  • Save up to 30% on your premium if you drive 15,000km or less each year
  • Purchase, payments, account management and claims can all be managed online
  • Tailor your policy with several customisation options

Cons

  • Huddle's premiums are higher than average, with little to show for it
  • Only $500 of essential repairs are covered, whereas some brands extend to $1,000
  • You can't choose your own repairer unless you upgrade to the Black Comprehensive policy
Aaron Maiorana's headshot

"When choosing car insurance, I was considering two things: price and online reviews. Huddles' reviews were much more positive than other providers. Plus, the flexible price based on kilometres driven was ideal given I don't use my car much. When I was involved in an accident, I found Huddle very easy to deal with and the whole process was as pleasant as possible."

Aaron Maiorana
Finder crew member

How does Huddle compare with other car insurers?

We obtained quotes across a range of providers for a 30 year old male based in NSW.

5 of 5 results
Sample quote
Sample quote
$1,117.48
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Huddle logo
Sample quote
$2,578
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NRMA logo
Sample quote
$2,166.09
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AAMI logo
Sample quote
$2,075.50
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Allianz logo
Sample quote
$1,917.48
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Compare Huddle's policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Finder Score
Optional
  • Up to 2 years from first registration, if first owner
  • Up to $70 per day, max 14 days
  • Summary: Huddle's comprehensive policy will cover you if your vehicle is damaged or lost as a result of a collision, a natural event, a malicious act, theft or fire. It also includes up to $500 for essential repairs.

    Who it might be good for: Someone who drives less than 15,000 km a year can opt for Pay As You Drive cover.
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    Huddle logo
    Finder Score
    Finder Score
    Optional
  • Up to 3 years from first registration, if first owner
  • Up to $80 per day, max 14 days
  • Summary: This goes further than most insurers. You get up to 2k for stolen keys, roadside assistance and rental car excess cover (for car rentals in Australia).

    Who it might be good for: Those who want top cover for their car.
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    Huddle logo
    Finder Score
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    Optional
    Optional
  • Optional add-on
    Up to $20 million legal liability cover plus up to $3,000 for damage caused by uninsured drivers.
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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

    Read the full methodology

    What additional cover options are available?

    Huddle offers several additional cover options so drivers can build a policy that better suits their needs. These cover options include:

    • Excess-free windscreen - Get your front windscreen repaired or replaced, excess free, once a year.
    • Hire car for up to 10 days - Cover for the cost of a hire car if a claim for theft or damage is accepted. Capped at $70 a day.
    • Roadside assistance - Add a separate roadside assistance policy to help get you back on the road.
    • Excess free kanga cover - Your first animal collision claim within a 12 month period is excess-free.
    • Sports gear cover - Get up to $3,000 of sports gear covered if it's in or on your car.

    FAQs

    Sources

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 257 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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    4 Responses

      Default Gravatar
      NoeleenNovember 5, 2023

      I would like a quote please

        Peta Taylor's headshotFinder
        PetaNovember 6, 2023Finder

        Hi Noeleen,
        This is a review page for Huddle car insurance, you’ll need to contact the insurer directly for a quote. You can do this via their website here: https://www.huddleinsurance.com/au/contact.

      Default Gravatar
      KarlApril 29, 2023

      I need to increase kms to 20,000 not 10,000 as stated on policy taken out 28/04/2003

        Sarah Megginson's headshotFinder
        SarahMay 15, 2023Finder

        Hi Karl,

        This is a review page for Huddle, you’ll meed to contact Huddle directly for support on your policy.

        You can reach them here: https://www.huddleinsurance.com/au/contact

        Hope this helps!

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