Huddle car insurance review

Huddle’s pricing was slightly higher than average with fairly stock-standard benefits. However, generous premium reductions are available to infrequent drivers.

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Huddle

Our verdict

Pros

  • Save up to 30% on your premium if you drive 15,000km or less each year
  • Purchase, payments, account management and claims can all be managed online
  • Tailor your policy with several customisation options

Cons

  • Huddle's premiums are higher than average, with little to show for it
  • Only $500 of essential repairs are covered, whereas some brands extend to $1,000
  • You can't choose your own repairer unless you upgrade to the Black Comprehensive policy
Aaron Maiorana's headshot

"When choosing car insurance, I was considering two things: price and online reviews. Huddles' reviews were much more positive than other providers. Plus, the flexible price based on kilometres driven was ideal given I don't use my car much. When I was involved in an accident, I found Huddle very easy to deal with and the whole process was as pleasant as possible."

Aaron Maiorana
Finder crew member

How does Huddle compare with other car insurers?

As part of the 2024 Finder car insurance awards, we compared over 30 comprehensive car insurance policies. Our experts found that Huddle offers fairly standard benefits and premiums in comparison to other car insurers. However, it's customisation options do allow drivers to tailor their policies to better suit their needs.

Features

Product FCI Finder Score Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Finder Score
  • Up to 3 years from first registration, if first owner
  • Summary: This goes further than most insurers. You get up to 2k for stolen keys, roadside assistance and rental car excess cover (for car rentals in Australia).

    Who it might be good for: Those who want top cover for their car.
    Finder Score
    Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Finder Score
    Optional
  • If your car is written off in the first 2 years
  • Finder Score
  • If your car is written off or stolen in the first 2 years
  • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Finder Score
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for. For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Finder Score for car insurance

    We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.

    Read the full Finder Score methodology

    Price

    Overall, Huddle's policies were 3% higher than average, at an estimated $1,407 a year. Cheaper car insurance is available.

    Keep in mind, the best car insurance for you may depend on more than just price.

    Remember, your quote may be very different to this, as pricing is based on specific car and driver details.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Huddle logo$1,702$1,261$1,286$1,112$1,848$1,233$1,407Get quote
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare Huddle's policies

    Product FCI Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
  • Up to 3 years from first registration, if first owner
  • Up to $80 per day, max 14 days
  • Summary: This goes further than most insurers. You get up to 2k for stolen keys, roadside assistance and rental car excess cover (for car rentals in Australia).

    Who it might be good for: Those who want top cover for their car.
    Optional
  • Up to 2 years from first registration, if first owner
  • Up to $70 per day, max 14 days
  • Summary: Huddle's comprehensive policy will cover you if your vehicle is damaged or lost as a result of a collision, a natural event, a malicious act, theft or fire. It also includes up to $500 for essential repairs.

    Who it might be good for: Someone who drives less than 15,000 km a year can opt for Pay As You Drive cover.
    Optional
    Optional
  • Optional add-on
    Up to $20 million legal liability cover plus up to $3,000 for damage caused by uninsured drivers.
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    What additional cover options are available?

    Huddle offers several additional cover options so drivers can build a policy that better suits their needs. These cover options include:

    • Excess-free windscreen - Get your front windscreen repaired or replaced, excess free, once a year.
    • Hire car for up to 10 days - Cover for the cost of a hire car if a claim for theft or damage is accepted. Capped at $70 a day.
    • Roadside assistance - Add a separate roadside assistance policy to help get you back on the road.
    • Excess free kanga cover - Your first animal collision claim within a 12 month period is excess-free.
    • Sports gear cover - Get up to $3,000 of sports gear covered if it's in or on your car.

    FAQs

    Compare other products from Huddle

    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 239 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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    4 Responses

      Default Gravatar
      NoeleenNovember 5, 2023

      I would like a quote please

        AvatarFinder
        PetaNovember 6, 2023Finder

        Hi Noeleen,
        This is a review page for Huddle car insurance, you’ll need to contact the insurer directly for a quote. You can do this via their website here: https://www.huddleinsurance.com/au/contact.

      Default Gravatar
      KarlApril 29, 2023

      I need to increase kms to 20,000 not 10,000 as stated on policy taken out 28/04/2003

        AvatarFinder
        SarahMay 15, 2023Finder

        Hi Karl,

        This is a review page for Huddle, you’ll meed to contact Huddle directly for support on your policy.

        You can reach them here: https://www.huddleinsurance.com/au/contact

        Hope this helps!

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