Huddle car insurance

With cutting edge tech at the heart of its business, Huddle is an insurance provider that is constantly evolving and developing its offerings. Since it was founded in 2016, the fintech’s main aim has been to cut through all the jargon and make insurance less complicated for the people who need it. Speaking of which, it offers home, contents and of course car insurance. 

For car insurance you will have the pick of third party cover, comprehensive cover or even pay-as-you-drive cover. You’ll also have access to Huddle’s 24/7 claims processing app: Zap. Better still, Huddle was named a multiple 2021 Mozo Experts Choice Car Insurance Award winner in the Exceptional Value Car Insurance and Exceptional Value Senior Driver Insurance categories. Learn more about Huddle’s policies below.

Huddle offers the following car insurance policies

Rates and fees verified as correct at 20 October, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer  
Black Comprehensive Car Insurance

Yes

Not Published

n/a

No

Go to site
Comprehensive Car Insurance

Yes

Not Published

n/a

No

Go to site

Who is Huddle underwritten by?

Huddle’s insurance policies are underwritten by The Hollard Insurance Company. Established in South Africa in 1980, Hollard Insurance went global more than 20 years ago and has been operating in Australia since 1999. Today Hollard underwrites a vast number of Australian insurance providers including Woolworths, Kogan Insurance, Australia Post, Bupa, Pet Insurance Australia and RSPCA Pet Insurance.

What types of car insurance does Huddle offer?

On a basic level Huddle offers two types of insurance: third party and comprehensive. For comprehensive you can choose from either the ‘Everyday Comprehensive’ policy or ‘Huddle Black Comprehensive’ policy. The latter being the highest level of cover you can get for your wheels with Huddle. 

As well as these options there’s also a whole bunch of extras to choose from and you can even select to ‘pay-as-you-drive’ if you aren’t a regular driver.

What does Huddle’s comprehensive car insurance cover?

Huddle’s comprehensive car insurance comes with all the benefits you would expect from a high level of cover. These include:

If you want to increase your cover roadside assistance, Kanga cover, excess-free windscreen cover and up to $3,000 worth of sports gear cover are available as optional extras and services.

What else does Huddle Black Comprehensive Car Insurance offer?

Above is the information for Huddle’s Everyday Comprehensive Insurance, if you’re keen to get the highest level cover possible with Huddle you can up the ante and go for Huddle Black Comprehensive Car Insurance. This includes everything that the Everyday policy has, plus more. The main differences are:

As you can see Huddle Black includes more extensive cover than the Everyday Comprehensive policy. It also offers a few extra perks and services such as choice of repairer, rental car excess or bond cover and roadside assistance. These are either not included in the Everyday policy, or are only available as optional extras and services.

What does Huddle car insurance not cover?

Of course as with all insurance policies there are some exclusions to be aware of. Some instances in which Huddle will not cover you are:

Read the product disclosure statement (available on Huddle’s website) for a full and detailed list of all the exclusions that apply to this policy.

More FAQs on Huddle's car insurance

How does Huddle’s pay-as-you-drive car insurance work?

Huddle’s ‘pay-as-you-drive’ car insurance is basically its comprehensive cover but with a discount of up to 30% for driving less than 15,000km per year. That is you can get ‘pay-as-you-drive’ cover with either the Everyday Comprehensive or Huddle Black Comprehensive plans - it is not available with Huddle’s Third Party Property Insurance.

Of course you’ll have to prove that you did indeed drive less than 15,000km in the insurance year. How does Huddle track that you ask? Well it works like this:

If you think you might go over your allotted kilometres, you can apply to top them up via the ‘manage policies’ part of your account. Although if you do have to do this, just remember that your premium payment will change.

A $1,000 additional excess may apply, if:

How does Kanga cover work?

Available as an optional extra, Huddle’s Kanga cover is quite unique. It provides excess-free cover for your first animal collision each year. So should you be unlucky enough to hit an animal, Huddle will either replace or repair your car. 

This additional benefit may be useful if you drive late at night or live in a more rural area. Just keep in mind that opting for it will increase the amount you pay for your premium. Read our article: what to do if you hit a wild animal for tips on general wildlife road awareness.

What does Huddle’s third party property car insurance cover?

If your budget is a little tight or you’re after a more basic level of cover, you might be interested in Huddle’s Third Party Property Insurance. This will provide you for cover if:

This insurance plan will not provide cover for your own wheels, although there is the option to add cover for fire and theft. With this your car will be covered if it is damaged by fire, theft or attempted theft. In these instances you will be covered for:

What does roadside assistance cover?

Included with Huddle Black Comprehensive Insurance, or available as an optional services with other policies, roadside assistance through supplier Digicall offers:

What excess range does Huddle offer?

With Huddle you can choose to pay an excess from as little as $500 to as much as $5,000. Just remember that the lower the excess, the more you will have to pay come claim time and vice versa.

What does Huddle’s B Corp certification mean?

You may have noticed from Huddle’s website that it is ‘B Corp’ certified. This is a private certification administered by the organisation B Lab. To achieve the certification a company must score at least 80 points out of 200 in the B Impact Assessment. The assessment looks at the environmental, social and governance impact the company has. 

To summarise, B Lab aims to encourage businesses to be about more than just profit and show that no company can be truly sustainable without considering seriously its impact on the world at large. Indeed as part of this Huddle is also part of the 1% for the planet program. Every company that is part of this scheme donates at least 1% of its revenue to a cause that supports the planet.

How do I make a claim with Huddle?

You can lodge a claim with Huddle at any time of the day or night through the fintech’s app: Zap. In fact, this is where Huddle’s tech expertise really comes into play, as the app uses bott-powered technology to automatically approve simple claims, begin organising repairs and help. Here’s a quick rundown of the process:

Some simple claims that Zap might be able to help with include:

How does Huddle calculate car insurance premiums?

Some information that Huddle will use to work out your insurance premium will be:

How is Huddle car insurance rated?

Mozo users have rated Huddle car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

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Huddle car insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

1 Reviews

Recent Huddle car insurance reviews

Huddle Comprehensive Car Insurance
Overall 8/10
Great cover that is affordable

I was so impressed with the affordability with Huddle and the level of cover. I really found this gem by accident.

Read full review

I was so impressed with the affordability with Huddle and the level of cover. I really found this gem by accident.

Value for money
10/10
Policy coverage
10/10
Customer service
7/10
Claims handling
7/10
Trust
6/10
Less
Louise, New South Wales, reviewed about 1 month ago

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