Huddle Car Insurance

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.²Huddle Insurance – Car Insurance 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.³Pay As You Drive is available for Huddle Comprehensive and Huddle Black Policies Only. See Huddle Insurance – Car Insurance 
• Talk to local insurance experts: Huddle’s team of car insurance experts is based on the Sunshine Coast and Melbourne,⁴Huddle Insurance – Car Insurance so you know you’ll be chatting to a local about your policy. Plus, you can skip the queue and book an appointment online, for a call at a time that suits you.⁵As above
• 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, roadside assistance and sports gear cover.⁶As above

Trusted by thousands of Aussies with over 100,000 policies sold,⁷Huddle Insurance – Home 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 Only, 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.⁸Huddle Insurance – Car Insurance Combined Product Disclosure Statement & Financial Services Guide, page 7 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 a collision, fire, malicious damage, theft or natural events like hail, storm or flood . But that’s not all, customise your cover to suit your needs with Huddle’s range of optional add-ons.⁹As above, page 25 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.¹⁰Huddle Insurance – Huddle Black Car Insurance 

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.¹¹Huddle Insurance – Home 
• 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.¹²Huddle Insurance – About 
• Flexible excess: Keen to reduce your premium? Choose an excess anywhere from $500 to $5,000.¹³Huddle Insurance – Car Insurance 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.¹⁴Huddle Insurance – Claims 
• Award-winning Comprehensive Cover: Huddle’s Comprehensive Car Insurance was awarded the 2021 Mozo Experts Choice Award for Exceptional Value Car Insurance and Exceptional Value Senior Driver Insurance.¹⁵Mozo – Mozo Experts Choice Awards Car Insurance 2021, page 4 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).¹⁶Huddle Insurance – Car Insurance Combined Product Disclosure Statement & Financial Services Guide, page 44

Here’s how the different types of excesses work with Huddle:¹⁷Car Insurance Combined Product Disclosure Statement & Financial Services Guide, page 44 

• 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’ve got two choices:¹⁸Huddle Insurance – Claims 

1. Online: Lodge your claim anytime, anywhere online. 

2. Over the phone: If you’d prefer to chat with one of Huddle’s local insurance experts, all you have to do is book an appointment online and tee up a time to chat that suits you. 

Whether you choose to lodge your claim online or over the phone, it helps if you’ve got 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.¹⁹As above 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 7772.²⁰Huddle Insurance – Emergencies

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 monthly instalments throughout the year or save on a discounted premium when you pay a single lump sum annually.²¹Huddle Insurance – Car Insurance Combined Product Disclosure Statement & Financial Services Guide, page 34

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 available Car Insurance products online.

Written by

Hannah Lovegrove

Writer

Hannah Lovegrove is a seasoned content writer, having produced a range of informative blogs across the insurance, energy, budgeting and finance space.

Edited by

David Rayfield

Digital Editor – Marketing, iSelect

David has extensive experience in writing, editing and marketing before joining iSelect in 2023 as Digital Editor. When not making our content better, you can find them browsing log cabins for sale in the forest.