Huddle

Car insurance - fair, transparent & 24/7 claims processing

Save money with a Fixed Kilometre Discount and enjoy 24/7 claims processing. Get covered in minutes today.

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Save money with a Fixed Kilometre Discount

We believe that if you spend less time behind the wheel, you should pay less for your comprehensive insurance. So, if you drive less than 15,000km per year, Huddle’s Fixed Kilometre Discount could save you up to 30% compared to our regular comprehensive cover.

 

Comprehensive cover

Covers you for loss or damage to your car, plus damage your car causes to other people's cars and property.

Included benefits

 

Adjustable excess

You can increase your nominated excess to reduce your premium.

 

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.

 

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.

 

Additional benefits

Cover for trailers, caravans, personal property, child safety seats and more.

 

$20m third party liability

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

 

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 and you’re the first registered owner.

Optional benefits

 

Roadside assistance

Essential roadside assistance to get you back on the road.

 

Kanga Cover

We'll repair or replace your car, excess-free, for your first animal collision claim each year.

 

Excess-free windscreen

We'll repair or replace your windscreen excess-free.

 

Fixed Kilometre Discount

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

 

Hire car

Cover for the cost of a hire car if we accept a claim relating to theft or damage.

 

Sports gear cover

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

When making decisions about the product you should always refer to the Product Disclosure Statement

 

Third Party Property cover

Covers you for damage your car causes to other people's cars and property.

Included benefits

 

Adjustable excess

You can increase your basic excess to suit your budget and reduce your premium.

 

24/7 emergency help

We're always here to help you stay safe and organise your car to be towed.

 

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.

Optional benefits

 

Roadside assistance

Essential roadside assistance to get you back on the road.

 

Fire and theft cover

Cover if your vehicle is damaged or lost as a result of theft, attempted theft, a malicious act or fire.

When making decisions about the product you should always refer to the Product Disclosure Statement

 

Third Party Property

Covers you for damage your car causes to other people's vehicles and property.

Comprehensive

Covers you for damage to your car, plus damage your car causes to other people's vehicles and property.

  • You cause damage to another person's property

    Cover

    Cover

  • Your vehicle is damaged or lost as a result of a collision

    No cover

    Cover

  • Your vehicle is damaged or lost as a result of a natural event

    No cover

    Cover

  • Your vehicle is damaged or lost as a result of a malicious act

    Optional

    Cover

  • Your vehicle is damaged or lost as a result of a theft

    Optional

    Cover

  • Your vehicle is damaged or lost as a result of fire

    Optional

    Cover

  • Fixed Kilometre Discount

    Not avaliable

    Optional

When making decisions about the product you should always refer to the Product Disclosure Statement

 

Easy policy set-up with Polly

With a little help from Polly you can get set up in minutes and feel confident about your insurance.

Start a quote

 

24/7 claim processing

Most claims can be lodged 24/7 with the Huddle App and in some cases you'll get a decision within minutes.

 

See Genie in action

 

Powered by Genie the claims bot

He's working tirelessly to process your claims.

 

Top questions from members

 

Can I choose my excess?

You can choose an excess from $500 to $5,000.

Just make sure you choose something you can afford to pay in the event you need a claim.

 

How do excesses work?

An excess is the amount of money you pay towards the cost of any claim. See your excess as a contribution you are making towards your claim. The excess reduces your premium to make it more affordable.

When an excess applies, you have to pay your basic excess plus any applicable additional excess(es).You won't have to pay an excess if the damage to your car was caused by another car, we agree that you were not at fault and we have the details of the other party.

For more information, click here

 

Is anyone insured to drive my car?

We insure licensed drivers as well as learner drivers, as long as they are older than the minimum age listed on your Certificate of Insurance and are following the requirements of their learner license.

Internationally licenced drivers are also insured, as long as the road traffic authority in the state or territory that they drive the car in recognises the international licence and the driver complies with their licence conditions.

 

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 monthly or yearly for your car insurance. Monthly payments are slightly more expensive, because of the additional administration costs associated with it.

 

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 that you can afford 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, Huddle doesn't currently offer CTP insurance.

Each state government administers a different compulsory personal injury insurance scheme. CTP insurance is mandatory but doesn't provide any cover for your vehicle, or any damage you cause to property.

Huddle Third Party Car Insurance covers damage your car causes to other people's property. Huddle Comprehensive Car Insurance covers damage to your car as well as damage your car causes to other people's property.

 

What is a Fixed Kilometre Discount?

A Fixed Kilometre Discount is Comprehensive Insurance for those who spend less time behind the wheel.

As you sign up, you can choose your agreed kilometre range between 1,000km and $15,000km.

Then, give us your start odometer reading within 14 days of the start date of your policy. Your endodometer reading will be your start odometer reading plus your chosen kilometre range.

Don't worry - if you come close to your end odometer reading, you can give us a call on 1300 777 200 totop up your kilometers. Just remember that we'll have to adjust your premium, too.

If you need to make a claim and your odometer reading is less than the start reading you gave us, or more than your end reading, an additional excess of $1,000 will apply.

Make sure you give us your start odometer reading within 14 days of the start date of your policy. If you need to make a claim after this time and you haven't given us your start odometer reading, the $1,000 additional excess will apply.

 

 

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Emergency assistance

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+61 2 8294 7772

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1300 777 200