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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

How does Huddle compare with other car insurers?

As part of the 2024 Finder car insurance awards, we compared over 30 comprehensive car insurance policies. Our experts found that Huddle offers fairly standard benefits and premiums in comparison to other car insurers. However, it's customisation options do allow drivers to tailor their policies to better suit their needs.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Huddle Black Comprehensive
  • If your car is written off in the first 3 years
  • Finder's 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.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    Overall, Huddle's policies were 3% higher than average, at an estimated $1,407 a year. Cheaper car insurance is available.

    Keep in mind, the best car insurance for you may depend on more than just price.

    Remember, your quote may be very different to this, as pricing is based on specific car and driver details.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Huddle logo$1,702$1,261$1,286$1,112$1,848$1,233$1,407More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare Huddle's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Huddle Black Comprehensive
  • If your car is written off in the first 3 years
  • Up to $80 per day - Up to 14 days
  • Finder's 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.
    Huddle Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Up to $70 per day - Up to 14 days
  • Finder's 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.
    Huddle Third Party Property Damage
    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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    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.

    Why you can trust Finder's car insurance experts

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    FAQs

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    4 Responses

      Default Gravatar
      NoeleenNovember 5, 2023

      I would like a quote please

        AvatarFinder
        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

        AvatarFinder
        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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