This digitally-driven insurer offers fast and convenient service. Choose from three different levels of cover, including the market-leading Huddle Black Comprehensive.
Huddle's Black Comprehensive policy is one of the strongest on the market.
Hate waiting on hold to speak to someone? Huddle lets you book a time to chat.
Buy, claim, and manage your policy entirely online if you prefer.
Cons
Cost research shows Huddle's Comprehensive policy is $400 higher than average.
If you want cover for motor burnout, you'll have to buy Huddle's most expensive policy.
Huddle's cooling-off period is shorter than most, with only 14 days to cancel if you change your mind.
How does Huddle compare with other popular home insurance providers?
Features
Huddle's Comprehensive policy offers a good level of cover, with one of the highest benefits available in the market for environmental benefits ($5,000), guest contents (also $5,000), and lock replacement ($1,500.)
However, unlike most other home insurance brands, if you want cover for motor burnout, you'll have to upgrade to Huddle's Black Comprehensive policy.
Price
Huddle's pricing is above average. Our cost research determined the average comprehensive policy would cost $2,425 a year, compared to the market average of $2,044.
In comparison, AAMI and Budget Direct were among the cheapest surveyed at $1,126 a year and $1,241 a year, respectively.
These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
Standard
Usually these products would either have fewer benefits or higher pricing.
0+
Basic
Offering basic cover with limited features or higher pricing.
Finder Score - Home Insurance
We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
Huddle only offers one optional feature, portable valuables cover. This covers valuables you take outside of the home including electronic devices, hearing aids, and mobility devices. However, this option is only available if your home contents are insured under your policy.
How to make a claim
You can claim online, at any time. Log into the Huddle account, provide a summary of what happened, along with supporting documentation, and submit your claim for review. Some simple claims can be processed in minutes but for more complex claims, an expert will be in touch.
Huddle insurance complaints information
Huddle is owned by Open Insurance. According to data from the Australian Financial Complaints Authority (AFCA), a total of 24 complaints were lodged about Open Insurance's home building or contents insurance in the second half of 2023.
FAQs
Huddle is owned by Open Insurance, a technology-driven insurance group.
Huddle insurance has a relatively low number of complaints and predominantly good customer reviews.
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.
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