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.

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
$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 Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Huddle logo
Finder Score
  • 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.
    Huddle logo
    Finder Score
    Optional
    Optional
  • Optional add-on
    Up to $20 million legal liability cover plus up to $3,000 for damage caused by uninsured drivers.
    Huddle logo
    Finder Score
    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.
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    Finder Score for car insurance

    We analyse over 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.

    Read the full Finder Score methodology

    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
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 249 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

      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

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