Huddle car insurance gives you comprehensive cover while you help fight climate change.
Huddle helps transform your driving so it's 100% carbon neutral, and their surplus profits go to help vulnerable communities and fund carbon-reduction projects. Huddle is underwritten by Hollard, a reputable group trusted by seven million customers worldwide.
If you're after an insurance policy that helps address social issues, then Huddle is worth considering. Read on to see if their cover suits your needs.
Read on to learn about your policy options.
Finder's 3 favourite features
- You can claim online instantly.
- Surplus profits go back to vulnerable communities.
- Huddle transforms your drive so it's 100% carbon neutral.
Review by our car insurance expert Alexandra Koster
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What cover options do I have?
Huddle offers two types of cover. Their basic cover operates similarly to third-party property damage policies, with optional fire and theft cover. Their comprehensive cover gives you the same benefits, plus cover for damage to your own car, with great benefits such as new for old car replacement and more.
Basic cover
Huddle’s basic cover works as a third-party property damage policy. This type of insurance covers you for damage you cause to other people’s vehicles and property.
Comprehensive cover
Huddle’s comprehensive cover protects you for damage to your car as well as for damage to other people’s property and vehicles. You’ll be covered for loss or damage to your car due to collision, theft, malicious damage, fire and natural events. You also get new for old car replacement as well as cover for fire, theft and more.
How do policy features compare?
| Feature | Basic | Comprehensive |
|---|---|---|
| You cause damage to another person’s property |
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| Collision |
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| Natural disaster |
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| Malicious acts |
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| Theft |
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| Fire |
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| Legal liability |
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| Hire car |
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| New for old car replacement |
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| Essential repairs |
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| Personal property |
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| Emergency travel and accommodation |
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| Locks and keys |
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| Child safety seats and prams |
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| Transit cover |
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| Drive Less Pay Less |
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What additional cover options are there?
- Drive Less, Pay Less. Comprehensive policies have an optional pay as you drive option. This means that you only pay for the kilometres you drive.
- Hire car. Comprehensive policies have the option to take out hire car cover. If your car is stolen, Huddle will organise a hire car for you up to 10 days.
- Excess-free windscreen. If your windscreen is accidentally broken or damaged, Huddle will pay the cost of replacing or repairing the front windscreen. This is only available to those on comprehensive policies.
- Loss or damage to your car. Huddle will pay up to $10,000 or the market value of your car if it is lost or damaged due to malicious acts, theft or fire.
- Essential repairs. They will pay up to $500 for essential repairs.
- Personal property. Huddle will pay up to $500 for accidental loss, theft or damage to personal property. Personal property includes personal items designed to be worn or carried (such as clothing or your handbag) that are in your car at the time of an event.
- Emergency travel and accommodation. Get paid up to $500 for your accommodation and travel if you are more than 200 kilometres from your home and your car can’t be driven.
- Locks and keys. If your keys are stolen, Huddle will pay up to $1,000 to replace or recode your car’s locks and keys. You’ll have to report the theft to the police.
- Towing costs. Huddle will cover the reasonable cost of towing your damaged car to the nearest safe place.
What makes Huddle different?
- Drive Less Pay Less. Pay only for the kilometres you drive. If you spend less time behind the wheel, your premiums will be lower.
- Claim instantly. Lodge your claim online and where possible Huddle will approve it instantly.
- Help the planet. Huddle uses their surplus profit to strengthen communities and the planet, fighting climate change and funding carbon-reduction projects.
- Carbon neutral. Each policy includes carbon credits that offset your car’s CO2 emissions, making your driving 100% carbon neutral.
What’s the excess like?
Your excess will depend on what your claim relates to, who was driving your car and the type of cover you have chosen.
- Basic. This is the first amount you pay on each claim made under your policy.
- Age. An extra excess applies to drivers under the age of 25.
- Undeclared young driver. Your excess may be higher if the driver is under 25 and hasn’t been listed under your insurance certificate.
- Learner driver. Your excess may be affected if the driver is a learner.
- Inexperienced driver. This applies to drivers over the age of 25 who have not held an Australian driver’s licence for more than 2 consecutive years.
- Drive Less Pay Less additional excess. If you’re listed under the Drive Less Pay Less policy and you’ve gone over your agreed kilometre cover range at the time of a claim then your excess will be higher.
What exclusions should I be aware of?
No insurance policy covers everything. The following are some of the exclusions in Huddle’s car insurance policies. For a full list, ensure you read their PDS.
Your claim won’t be paid out in the following situations:
- The driver is younger than any age restriction you may have taken out
- Your car was used while in an unsafe condition
- Your car was used as a courier or delivery car to carry passengers for a fee or reward
- You were carrying more passengers or towing a greater load than your car was designed for
- Loss or damage to your car was caused by using the wrong fuel
- Huddle has not consented to the repairs
- Damage to your car is from wear and tear
- Reduction in value or depreciation
- Loss or damage to your car after an accident, theft, incident or breakdown where you have not taken reasonable steps to protect your car
- Damage to property belonging to you or any other person covered by the policy, any family member or person who usually lives with you
How do I make a claim?
- Secure your car. Make sure your car is safe so it won’t be damaged further. This might mean you will have to get it towed.
- Get details. You will need to get the details of anyone involved, including witnesses. This includes a person’s full name, contact details, vehicle make and registration, insurance details and driver’s licence number.
- Report the incident. Report the incident or loss to the police if the law requires you to do so.
- Call Huddle. Contact Huddle’s claims team on 1300 777 200 and report the incident.
