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Huddle is a Certified B Corporation, so it only invests money in companies that are having a positive impact on the planet. Huddle is underwritten by The Hollard Insurance Company Pty Ltd, a global financial services business that operates across the world.
If you're after an insurance policy that helps address social issues then Huddle is worth considering. Read on to see if its cover suits your needs and to learn about your policy options.
Review by our car insurance expert Alexandra Koster
Huddle offers three types of cover. These are:
Huddle's third party property 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. It comes with optional fire and theft 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.
This comes with all the features of Comprehensive but has higher limits — for instance, you get up to $30,000,000 more for legal liability and up to 3 years' new for old car replacement, as opposed to 2.
| Feature | Third Party Property | Comprehensive | Huddle Black Comprehensive |
|---|---|---|---|
| You cause damage to another person's property | |||
| Collision | |||
| Natural disaster | |||
| Malicious acts | Optional | ||
| Theft | Optional | ||
| Fire | Optional | ||
| Legal liability | Up to $20,000,000 | Up to $20,000,000 | Up to $30,000,000 |
| Hire car | Up to $70 per day (Max 14 days) | Up to $70 per day (Max 14 days) | Up to $80 per day (Max 14 days) |
| New for old car replacement | Yes - If your car is written off in the first 2 years | Yes - If your car is written off in the first 3 years | |
| Essential repairs | Optional | $500 | $500 |
| Personal property | Optional | $500 | $1,000 |
| Emergency travel and accommodation | Optional | $500 | $2,000 |
| Locks and keys | $0 | $1,000 | $2,000 |
| Child safety seats and prams | $500 | $500 | |
| Transit cover | |||
| Pay As You Drive Cover | Optional | Optional |
Your excess will depend on what your claim relates to, who was driving your car and the type of cover you have chosen.
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 the PDS.
Your claim won't be paid out in the following situations:
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