Huddle is relatively new on the car insurance scene (their Aussie policies first went on sale in 2016), and they’re offering some pretty innovative policy options alongside their broad coverage for accidents and natural disasters. If you don’t rack up many kilometres each year, you could reduce your premium with their pay-as-you-drive policy, and if you do need to make a claim, you could be able to lodge it and get a decision within minutes using their online claims processing tool.
Huddle's Comprehensive Car Insurance is also a multi-award winner! In 2022 it took out a Mozo Experts Choice Car Insurance Award for Exceptional Value Car Insurance.
One of Huddle’s stand-out money-saving features is the pay-as-you-drive policy option. If you estimate you drive less than 15,000km a year, Huddle offers up to a 30% discount on yearly premiums compared to its regular comprehensive cover since you’re on the road less and thus less at risk of being in an accident and claiming on your cover. This incentive to use your car less also lines up with Huddle’s B Corp certification and commitment to sustainability.
There are also decent coverage limits for specific items. You’ll have up to $500 devoted to personal property should it be damaged inside your car, plus another $500 for child safety seats and prams. The policy also comes with $500 to cover your travel and accommodations costs after an accident if you are more than 200km away from home and your car isn't driveable, reasonable towing costs, and up to $1,000 to replace locks and keys if stolen.
Plus, if your car is written-off Huddle will replace it with a brand new one. Just remember, this only applies if the car is under two years old and you're the original registered owner, or if it was a dealer demonstrator model when you bought it.
There are some benefits which are only offered as optional extras for an additional premium, though. This includes roadside assistance, a hire car after an accident (it’s included as standard after a theft), excess-free windscreen cover, $3,000 of sports gear damage cover and ‘Kanga Cover’ which includes waiving your basic excess if your vehicle collides with an animal (this is only for the first collision in each policy period).
Your policy details can be managed online and most claims can be lodged efficiently (sometimes instantaneously depending on the claim type) through the company’s portal, Zap Claims.
Tech-savvy drivers looking for flexible comprehensive car insurance.
There are pretty substantial additional excesses for unlisted drivers under 21 or those under 24 (including learner drivers) ranging from $800 to $2,000.
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Yes costs extra |
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$500 - $5,000 |
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The following excesses apply in addition to the basic excess: $1,200 for listed drivers under 21 (not leaners), $800 for listed drivers aged 21 to 24, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers aged 21 to 24, $800 for inexperienced drivers aged 25 and over (conditions apply), $800 for learner drivers. |
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Not Published |
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No |
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n/a |
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n/a |
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No |
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Pay As You Drive Cover with pricing tiers available for limited kms. |
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Optional Service |
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No |
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Yes |
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n/a |
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n/a |
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SA VIC NT TAS NSW ACT QLD WA |
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Agreed or Market |
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Yes - within 2 years of original registration |
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Up to $500 if damaged or stolen. |
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Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium. |
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Up to $500 |
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Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200 km from home. |
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Yes - Up to 14 days, max $70 per day. |
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Not at fault - Optional Extra. At fault - Optional Extra. Up to $70 per day for 10 days. |
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Yes - legal liability cover when using a substitute vehicle. |
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Up to $1,000. |
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Up to $1,000 if stolen. |
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Up to $500 |
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Covered only if agreed in writing. |
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No |
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No |
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.
Signing up for Huddle was relatively easy but when I had to report that my car was stolen, that's when the problems started. Everything is done by e-mail and they take on average 4 to 5 days to answer a simple e-mail. Eventually the police recovered my car and every step to get my car assessed, repaired and released was so painful. It took over 6 weeks from the moment the police released my vehicle until I received it back. No communication, no updates, nothing (unless I requested an update). I would not recommend Huddle.
Read full reviewSigning up for Huddle was relatively easy but when I had to report that my car was stolen, that's when the problems started. Everything is done by e-mail and they take on average 4 to 5 days to answer a simple e-mail. Eventually the police recovered my car and every step to get my car assessed, repaired and released was so painful. It took over 6 weeks from the moment the police released my vehicle until I received it back. No communication, no updates, nothing (unless I requested an update). I would not recommend Huddle.
This company would be the worst customer service I have ever had for car insurance in thirty years of having insurance. They will not answer the phone and leave you on hold for ages and still don’t answer. Good luck if you ever needed to make a claim. In my opinion they are pathetic.
Read full reviewThis company would be the worst customer service I have ever had for car insurance in thirty years of having insurance. They will not answer the phone and leave you on hold for ages and still don’t answer. Good luck if you ever needed to make a claim. In my opinion they are pathetic.
This company has been extremely helpful with my last incident. My car just stopped 50km from home (rural nsw). I rang the roadside assist number, I was answered straight away, the person was friendly, courteous, helpful and very sympathetic to my situation. She gave me a time frame for the roadside assist person to come.
Read full reviewThis company has been extremely helpful with my last incident. My car just stopped 50km from home (rural nsw). I rang the roadside assist number, I was answered straight away, the person was friendly, courteous, helpful and very sympathetic to my situation. She gave me a time frame for the roadside assist person to come.
I was so impressed with the affordability with Huddle and the level of cover. I really found this gem by accident.
Read full reviewI was so impressed with the affordability with Huddle and the level of cover. I really found this gem by accident.