Huddle offers car and travel insurance that appeals to people who care.
Huddle is a Certified B Corporation, so they only invest money in companies that are having a positive impact on the planet. 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.
We don't currently have this brand on our panel. But don't fret! You can head to the Huddle website or compare a bunch of other car insurance companies with finder.
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.
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.
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?
Third Party Property
You cause damage to another person’s property
Up to $20 million
Up to $20 million
New for old car replacement
Emergency travel and accommodation
Locks and keys
Child safety seats and prams
Fixed Kilometre Plan
What additional options can I get with a comprehensive policy?
Fixed Kilometre Plan. If you drive less than 15,000km per year, Huddle's Fixed Kilometre Plan could save you up to 30% compared to their regular comprehensive cover.
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 14 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 and only applies to the first windscreen claim in any one period of insurance.
Loss or damage to your car. Huddle will pay the agreed 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?
Fixed Kilometre Plan. Pay only for the kilometres you drive. If you spend less time behind the wheel, your premiums will be lower.
Claim 24/7. Huddle process claims 24/7, with some people able to receive a decision in just minutes.
Help the planet. Huddle is committed to giving at least 1% of their revenue to help the planet. They’re also a certified B Corporation.
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.
Fixed Kilometre Plan additional excess. This will be applied if at the time of claim if the member's odometer reading is above the end odometer reading or below the start odometer reading specified on the Certificate of Insurance.
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
You won't be covered if your car was used as a courier or delivery car to carry passengers for a fee or reward, including activities such as Uber and Deliveroo
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.
Alexandra Koster is Finder's publisher for car, home and pet insurance. She has her Tier 1 in General Insurance - General Advice from Kaplan, and a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading product disclosure statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.