Car insurance - fair, transparent & great value

Switch to Huddle Car Insurance for great value, transparency, Instant Claims™ and Giveback.

We reward safe drivers

Safety matters

When you insure with the Huddle community, you'll share a little more about yourself. And with the help of Huddle technology, your safe behaviours can be measured, unlocking lower premiums and incredible rewards.

Choose the cover you need


Fixed Kilometre Discount

If you spend less time behind the wheel, you'll spend less money on insurance.

100% of your car's CO#[sub 2] offset

Every policy includes carbon credits that offset your car's CO#[sub 2] emissions, making your driving 100% carbon neutral

$20m third party liability

You're covered for damage to someone else's vehicle or property up to $20 million.

Theft and damage cover

We've got you covered for damage or loss caused by theft, attempted theft, collision, malicious damage, fire, and natural events such as hail, storm, flood or bushfire.

New for old car replacement

We'll replace your car with a new car of the same value if it's under 2 years old and it's written off.

24/7 emergency help

If you have an accident at any time, we're always here to help you stay safe and organise your car to be towed.

Adjustable excess

You can increase your nominated excess to reduce your premium.

Option: Hire car

We'll organise a hire car for you when you have a claim.

Option: Excess free windscreen

We'll repair or replace your windscreen excess free.

Option: Sport gear cover

Up to $3,000 to cover your sports gear whilst it's in or on your car.

Option: Roadside assistance

Essential roadside assistance to get you back on the road.

Third Party

Up to $20 million liability cover

We'll pay up to $20 million if your car damages someone else's vehicle or property.

Damage by uninsured drivers

Cover up to $3,000 if your vehicle is damaged in a crash with an uninsured at fault driver.

Option: Fire and theft cover

All the protection of Third Party Property Damage plus cover if your vehicle is damaged or lost as a result of theft, attempted theft, a malicious act or fire.

Option: Roadside assistance

Essential roadside assistance to get you back on the road

Your claims can be paid instantly

Instant Claims™ can get you cash, or repairs organised, in an instant.

Of course, not all claims can be approved instantly (yet). And every member's experience will vary depending on the specifics of their claim.

Top questions from members

Can I choose my excess?

You can choose an excess that suits your budget, from $500 to $5,000.

I’ve heard that Huddle gives back premiums, how does that work?

Each year, members decide how surplus premiums are directed to the causes and charities they care about. So when claims are low, everyone wins. Learn more about Giveback here.

Can I choose where to get my car repaired?

The Huddle community works with a nationwide network of quality assured repair centres who can provide rapid, manufacturer-approved repairs. All repairs undertaken by the Huddle network are guaranteed for life.

Can I pay monthly?

You can choose to pay for your car insurance annually or monthly. Monthly costs a little more, and this helps the Huddle community cover the additional costs associated with monthly payments.

How can I get the lowest premium?

A safe driving history will go a long way. But choosing a Fixed Kilometre Discount or a higher excess can also help reduce the premium you’ll pay. Simply get a quote and choose the options that are best for you.

Can I get CTP or green slip insurance from Huddle?

No. Each state government administers a different compulsory personal injury insurance scheme. CTP insurance is mandatory but does not provide any cover for your vehicle, or any damage you cause to property. Huddle Comprehensive car insurance covers damage to your car as well damage you cause to other people’s property. Third Party car insurance only covers damage you cause to other people's property.

We have members, not customers

Members are here to help. Got questions? Ask away.

Member power

Members can influence and define how money is used.

Great for the planet

Members direct unused premium to benefit people and planet.

Experience the difference

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Emergency assistance

24 hour emergency assistance from anywhere in the world
+61 2 8294 7772

Make a claim

Our friendly claim team is happy to help you with your next claim
1300 777 200