Does Huddle cover my personal belongings if they are stolen from my car?

Yes, if you have Comprehensive cover. If your car is broken into, Huddle will pay up to $500 to replace personal items that were damaged or stolen from inside the vehicle. Just keep in mind that this doesn't cover cash, credit cards, or items used for business—and you’ll usually need to provide a police report to claim this.

Is anyone else allowed to drive my car under this policy?

Yes, as long as they are a licensed driver (including learner drivers) and are older than the minimum age listed on your Certificate of Insurance. If an "unlisted driver" is behind the wheel during an accident, you may have to pay an additional $1,000 "unlisted driver" excess on top of your standard excess.

Who underwrites Huddle car insurance?

Huddle is underwritten by The Hollard Insurance Company Pty Ltd.

Huddle Car Insurance Review

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Low mileage drivers may save up to 30% on premiums for driving under 15,000km annually.
Sample quotes often show Huddle premiums are higher than several competitors.
Essential repairs cover is limited to $500, unlike some brands offering $1,000.

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

"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.

6 of 6 results

Sample quote
AAMI Comprehensive Car Insurance	Sample quote $1,756.10	Get Quote View details Compare product selectionCompare	loading
Huddle Black Comprehensive	Sample quote $2,846	Get Quote View details Compare product selectionCompare	loading
Budget Direct Comprehensive Finder Award	Sample quote $1,212.97	Get Quote View details Compare product selectionCompare	loading
Huddle Comprehensive	Sample quote $2,624	Get Quote View details Compare product selectionCompare	loading
NRMA Comprehensive Most Loved	Sample quote $2,416.84	View details Compare product selectionCompare	loading
Allianz Comprehensive	Sample quote $2,315.90	View details Compare product selectionCompare	loading

Showing 6 of 6 results

Compare Huddle's policies

Finder Score	Accidental damage	Fire and theft	New Vehicle Replacement	Hire car after theft
8.7 Great Huddle Black Comprehensive	8.7 Great			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.	Get Quote View details Compare product selectionCompare	loading
8.5 Great Huddle Comprehensive	8.5 Great	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.	Get Quote View details Compare product selectionCompare	loading
7 Great Huddle Third Party Property Damage	7 Great	Optional	Optional		Optional add-on	Up to $20 million legal liability cover plus up to $3,000 for damage caused by uninsured drivers.	Get Quote View details Compare product selectionCompare	loading

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. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature 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.

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.

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Sources

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Written by

Nicola Middlemiss

Journalist

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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 170 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

NoeleenNovember 5, 2023

I would like a quote please

Finder

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.

KarlApril 29, 2023

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

Finder

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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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.

Key takeaways

Pros

Cons