Huddle Car Insurance

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Why consider Huddle car insurance?

What types of car insurance does Huddle offer?

Benefits of insuring your car with Huddle

How do excesses work with Huddle?

How do I make a claim?

Paying your Huddle car insurance premium

Long story short

Choose from three types of cover

Huddle offers third party property, comprehensive, and Huddle Black – pick from three levels of protection that suits you most.

Customise your policy your way

Choose from a range of optional extras like roadside assistance, hire car cover, and sports gear cover to personalise your comprehensive or Huddle Black policy.

Flexible excess options

Set your basic excess amount anywhere from $500 to $5,000 to lower your premium or align with your budget when making a claim.

Local Aussie experts at your service

Huddle’s team is based on the Sunshine Coast and Melbourne, so you’ll always chat to a local expert when you need help.

Why consider Huddle car insurance?  

Huddle strives to make car insurance smarter with cover that’s fast to buy and simple to manage. Whether you’re after basic cover or a high level of insurance protection, Huddle offers a range of policies and add-ons so you can tailor your insurance cover to suit your needs. But that’s not all that’s on offer at Huddle: 

• Pay As You Drive cover: You could save yourself up to 30% off your premium if you drive 15,000km or less each year with Huddle’s Pay As You Drive cover, when compared to Huddle’s regular comprehensive cover.
• Chat to local insurance experts: Huddle’s team of car insurance experts is based on the Sunshine Coast and Melbourne, so you know you’ll be chatting to a local about your policy.
• Optional add-ons: Tailor your cover to suit your needs with Huddle’s range of add-ons available with their comprehensive and Huddle Black policies, including hire car cover, excess-free windscreen replacement, roadside assistance, and sports gear cover. 

Trusted by thousands of Aussies, Huddle’s experts know their way around car insurance. 

What types of car insurance does Huddle offer?  

Huddle offers three different levels of car insurance, including third party property comprehensive, and Huddle Black Comprehensive.  

Third Party Property Only 

Huddle’s third party property policy covers you for damage to other people’s property if the driver of your car is at fault. You can also choose to add optional fire and theft cover to your third party property policy to unlock additional features and benefits. And while this level of cover offers protection for your liability to third parties, it doesn’t cover any repairs to your own car unless your car is damaged in an accident caused by another person who is uninsured and only up to a limited amount. Cover terms and limits apply.  

Comprehensive   

This level of insurance offers the same protection as the third party property only, plus they’ll cover loss or damage to your car caused by  fire, malicious damage, theft, or natural events like hail, storm, or flood as well as damage or loss caused by collision, even if you’re at fault. But that’s not all, customise your cover to suit your needs with Huddle’s range of optional add-ons. It’s no wonder comprehensive cover is Huddle’s most popular car insurance option. 

Huddle Black Comprehensive  

If comprehensive cover wasn’t enough, Huddle also offers their Huddle Black product. Featuring all the great benefits of their comprehensive cover, Huddle Black also comes with additional benefits, higher limits, and roadside assistance included for those who prefer a little extra protection. 

Benefits of insuring your car with Huddle 

Huddle is dedicated to making insurance easy, which is why they’ve got a bunch of fantastic benefits that complement their different insurance products: 

• 24/7 online access: Whether you’re looking to take out a new car insurance policy, manage your existing policy or submit a claim, Huddle has made it easy with their online insurance portal.
• Complimentary carbon offsetting: Feel good taking out a new policy with Huddle courtesy of their complimentary carbon offsetting program. When you buy a new policy, they’ll offset your emissions by planting and protecting native forests, thanks to their partnership with Greenfleet.
• Flexible excess: Keen to reduce your premium? Choose an excess anywhere from $500 to $5,000. Just be sure you think about what excess is right for you, including what you can afford to pay in the event you need to make a claim.
• Fast claims: Submit a car insurance claim online at any time. In some cases, you’ll get a decision on your claim in just minutes.
• Award-winning comprehensive cover: Huddle is Huddle is WeMoney’s 2024 car insurance winner for “Best for flexibility”. So, you know you can rely on Huddle to deliver comprehensive cover at a competitive price.

How do excesses work with Huddle?  

 When it comes to your car insurance excess, you’ll find all the relevant excess amounts detailed on your certificate of insurance. In instances where an excess applies, you’ll have to fork out for your basic excess plus any applicable additional excess(es).  

Here’s how the different types of excesses work with Huddle: 

• Basic excess: The basic excess is the amount you have to pay on claim where an excess applies. Huddle offers a range of basic excesses from $500 to $5,000 so you can tailor your policy to suit your needs. The following additional excesses may also be payable on a claim in addition to the basic excess, unless otherwise stated.
• Learner driver excess: As the name suggests, this excess applies to learner drivers. If a learner is behind the wheel of your car when an accident occurs, it’ll set you back an extra $800.
• Age excess: The age excess applies to named drivers listed on your policy that are under the age of 25. This extra excess is $800 for drivers aged 21 to 24, and $1,200 for drivers under 21, but the age excess doesn’t apply to learner drivers.
• Sports gear cover fixed excess: This excess comes in at $250 and applies to all sports gear cover claims. Unlike the other excess types, it is payable instead of the basic excess and not on top of the basic excess.
• Undeclared young driver excess: If the driver of your car is under 25 and not a named driver on your policy when you make a claim for loss or damage, you’ll need to cover this additional excess which is $1,600 for drivers aged 21 to 24, and $2,000 for drivers under 21. This excess doesn’t apply to learner drivers.
• Inexperienced driver excess: This excess applies to drivers 25 and over who haven’t held a valid licence to drive in Australia for the last 2 or more years. The excess is an extra $800 and doesn’t apply to learner drivers.
• Pay As You Drive cover additional excess: Coming in at an extra $1,000, you’ll only need to pay this excess if the Pay As You Drive cover appears on your certificate of insurance and if your odometer reading is either below your start odometer or above your end odometer as set out on your certificate of insurance at the time of your claim. This excess will also apply if you fail to provide your start odometer reading within 14 days of your policy start date. 

After a little more info on the different types of Huddle excesses? You can read up on the finer details in the relevant Huddle product disclosure statement. 

How do I make a claim?  

When it comes to making a car insurance claim with Huddle, you can lodge your claim online anytime, anywhere. 

To get started, have the relevant details of everyone involved on hand, including their full name, address and phone number, vehicle make, model and registration, and the insurance details and driver’s licence number. Some simple claims, like car windscreens, may be approved in minutes. For all other claims, one of Huddle’s insurance experts will get in touch with you. 

And if you’re in need of a helping hand outside of business hours, Huddle has you covered with their emergency assistance line at 02 8294 7772. 

Paying your Huddle car insurance premium  

Paying your car insurance premium shouldn’t be a pain. When you take out a policy with Huddle, you can choose to pay your premium in instalments throughout the year or save on a discounted premium when you pay a single lump sum annually.  

To pay your Huddle insurance premium, you’ll need to set up a direct debit and provide your credit or debit card details.

Whether you’re keen to explore the different Huddle car insurance policies or you’d like to see where Huddle stands compared to other insurers, iSelect is here to help. Compare car insurance products online.