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Huddle Black Comprehensive Car Insurance

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Mozo editorial review Huddle Black Comprehensive Car Insurance - last updated: 23 August 2021

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What's hot
  • Pay-per-km policy option
  • Roadside assistance included
  • New-for-old car replacement (under 3 years and 70,0000km)
What's not
  • Unlisted young driver excess up to $2,000
Mozo snapshot

Huddle has been making waves in the car insurance world since 2016, offering innovative policy options alongside their essential coverage for accidents and natural disasters. The Huddle Black policy is the company’s premium level car insurance, which features larger benefits and more standard inclusions than the main comprehensive policy, for a higher premium. This comes on top of the pay-as-you-drive policy option which can reduce premiums for those who drive less, and the handy online claims processing tool which can help you make a claim and receive a verdict in minutes.

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Key features

When it comes to money-saving features, Huddle’s pay-as-you-drive policy option is the gold standard. With Huddle Black, you can opt-in for a premium reduction based on the number of kilometres you drive each year, with an odometer read at the beginning and end of the policy period. You can choose anywhere between 1,000km and 15,000km in the tiered system, which applies a discount according to the distance you estimate. Just keep in mind there’s an additional $1,000 if you make a claim and you’ve driven over your allotted kilometres, so be sure to keep an eye on your odometer and let Huddle know if you need to bump up the limit (for a fee).

You’ll find coverage limits across specific policy items are also significantly increased with Huddle’s premium policy level. You’ll have up to $1,000 devoted to personal property should it be damaged inside your car, plus another $500 for child safety seats and prams and $2,000 dedicated to replacing locks and keys if stolen. 

There’s also considerable cover for emergencies. There’s a generous $2,000 to cover your travel costs after an accident, which can also be used for temporary accommodation if you are more than 100km away from home. Reasonable towing costs are included, as is roadside assistance. And if your car is written-off, Huddle will replace it with a brand new one so long as you hold the original registration, the vehicle is under 3 years old and has driven less than 70,000km.

While rental hire car cover after a theft is included (up to $80 a day for 14 days), it comes as an optional extra for an additional premium if it’s after an accident. However, under a Huddle Black policy you will get the useful feature of having $2,000 in excess covered whenever you hire a car in Australia. This means if you get into a scrape on holiday while driving a rental car, you can feel secure knowing at least a solid chunk of your insurance excess is covered by your personal Huddle policy.

Who is it good for

Tech-savvy drivers looking for flexible comprehensive car insurance that offers higher limits and extra coverage.

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Any catches

Unlisted drivers under 21 or listed young drivers under 24 (including learner drivers) could see a hefty additional excess at claim time between $800 and $2,000.


Rates and fees information correct as at 22 May 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses


$500 - $5,000

$1,200 for listed drivers under 21, $800 for listed drivers under 24, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers under 24, $800 for inexperienced drivers over 24, $800 for learner drivers.

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Pay As You Drive Cover with pricing tiers available for limited kms.

Service features




$2,000 rental car excess cover anywhere in Australia


Coverage summary

Agreed or Market

Yes - within 3 years of original registration

Up to $1,000 if damaged or stolen.

Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.

Up to $500

Reasonable towing costs. Up to $2000 travel and accommodation costs if greater than 200 km from home.

Yes - Up to 14 days, max $70 per day.

Not at fault - Optional Extra. At fault - Optional Extra. Up to 10 days, max $70 per day.

Yes - legal liability cover when using a substitute vehicle.

Up to $1,000.

Up to $2,000 if stolen.

Up to $500

Most modifications covered automatically



Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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