Insurance for living, not waiting

Life moves fast. Who wants to hang around for insurance? Buy, manage and claim 24/7. Local experts when you need help.

Wemoney award for "Best Flexibility" in 2024 for Huddle's car insurance
Award-winning customisable cover

With options like Pay As You Drive, it's no wonder Huddle is WeMoney's 2024 winner for "Best for flexibility". Build the cover that suits you today.

A couple with their dog sitting on the tailgate of their car
Woman standing next to broken down car on her mobile phone

Claim your FREE Roadside Assistance for 12 months8

For a limited time, get 12 months of free Roadside Assistance when you purchase a new Comprehensive Car insurance or Third Party Property Car Insurance policy with Huddle.

You’ll be able to get help in the event of a flat battery, breakdown, flat tire, lack of fuel or if you’re having issues with your key.

Woman standing next to broken down car on her mobile phone

Get 12 months free Roadside Assist7

For a limited time, get 12 months of free Roadside Assist when you purchase a new comprehensive car insurance policy with Huddle.

You’ll be able to get help in the event of a flat battery, breakdown, flat tire, lack of fuel or if you’re having issues with your key.

Drive less and save up to 30%

UI showing the savings a user makes by selecting PAYD

Pay for the distance you need and pocket the savings with Pay As You Drive Cover.

Save up to 30% on your premium if you drive 15,000km or less each year compared to our regular Comprehensive Cover.

Car insurance made easy

UI showing how a user can manage their policy online
Buy, manage and claim online 24/7

You’re in control. It’s how insurance should be.

Back on your feet, faster

Submit a claim online, anytime and in some cases, you'll get a decision in minutes.

Local insurance experts

Have questions about your quote, policy or claim? Our friendly Sunshine Coast and Melbourne teams can give you a hand.

Drive away with insurance that counts

You can choose the level of cover you get with Huddle Car insurance.

Summary only. Full benefits, terms and conditions are in our Product Disclosure Statement.

Limited
Third party property
Comprehensive
highest cover
Huddle Black Comprehensive
Theft and damage cover

Cover for loss or damage caused by collision, fire, malicious damage, theft, attempted theft and natural events like hail, storm, flood and bushfire.

Limited cover only, for fire, theft and attempted theft, up to $10,000 if optional Fire and Theft cover is selected
Pay As You Drive

Save up to 30% compared to our regular comprehensive cover if you drive less than 15,000 kms per year.

Optional
Optional
New for old car replacement

We'll replace your car with a new one if it's written off and you're the first registered owner.

Up to 2 years
Up to 3 years (and if it’s travelled less than 70,000 kms)
Essential repairs

We’ll pay for essential temporary repairs to restore your car to a roadworthy and safe condition so that you can drive to your intended destination.

Up to $500
If optional Fire & Theft cover is selected
Up to $500
Up to $500
Emergency travel and accommodation

We'll pay for your necessary travel and accommodation if your car is damaged by a covered incident, can't be safely driven and is over a certain number of kms from home.

Up to $500
If optional Fire & Theft cover is selected (if 200 kms or more away from home)
Up to $500
If 200 kms or more away from home
Up to $2,000
If 100 kms or more away from home
Towing costs

We’ll cover the reasonable costs of towing a damaged car to the nearest safe and secure place. We will also cover the reasonable costs of towing your damaged car to an approved repairer.

Optional
If optional Fire & Theft cover is selected and your claim is for fire, theft or attempted theft of your car.
Personal property cover

We'll pay for theft or damage to personal property in the car, that is designed to be worn or carried, such as clothes or bags.

Up to $500
if optional Fire & Theft cover is selected and your claim if for fire, theft or attempted theft of your car.
Up to $500
Up to $1,000
Hire car after theft

If your car is stolen, we'll either organise the hire of a car or reimburse you the cost of a hire car to get you back on the road.

Up to $70 per day for up to 14 days if optional Fire & Theft cover is selected
Up to $70 per day for up to 14 days
Up to $80 per day for up to 14 days
Legal liability cover

We’ll cover the driver of your car for damage to someone else's vehicle or property, caused by the use of your car.

Up to $20m
Up to $20m
Up to $30m
Locks and keys

If your keys are stolen, we’ll pay to replace or recode your car's locks and keys.

Up to $1,000
if optional Fire & Theft cover is selected
Up to $1,000
Up to $2,000
Child safety seats and prams

We'll pay up to $500 to help cover the cost of replacing child seats, baby capsules and prams damaged or stolen in an incident involving your car.

Rental car excess or bond cover

We'll cover up to $2,000 for the excess charged if your rental car is damaged or stolen. Cover terms apply.

Choice of repairer

You can choose your own repairer or a trusted car repairer we select .

Huddle insurance benefits are subject to terms, limits and exclusions. For full details about our products, read the relevant  Product Disclosure Statement and the Target Market Determination which explains who the products are suitable for.

Save up to 30% on your car insurance today1

Build the cover that suits you

Add-ons available for Comprehensive and Huddle Black cover levels 

Excess-free windscreen once a year

We'll repair or replace your front windscreen excess-free, once every 12 months.

Hire car cover for up to 10 days
Cover for the cost of a hire car if we accept a claim for theft or damage, up to $70 a day for 10 days. Up to $80 a day for 10 days with Huddle Black.
Roadside assistance
Car breakdowns are unpredictable and usually happen at the worst times. That's why we offer Roadside Assistance as an optional extra to our car insurance products. With Huddle Black Cover, roadside assistance is included. This service is provided by Allianz Global Assistance. Read the Roadside Assistance T&Cs.
Excess free Kanga cover once a year 

Your first animal collision claim within a 12 month period is excess-free. Huddle gives $4 from every Kanga Cover policy sold to Australian Wildlife Conservancy.

Sports gear cover up to $3,000 

Up to $3,000 to cover your sports gear while it's in or on your car. Cover terms apply.

Boost your cover with Huddle Black

Enjoy all the features of Comprehensive Cover, plus:

Higher cover limits

For personal property, emergency accommodation and travel, locks, keys and more.

3 years new for old replacement

Get a bonus year of new for old protection for your new car, if it's travelled up to 70,000kms.

Choose your repairer

You can pick your own repairer or a trusted car repairer we choose.

Hire car after theft

If your car is stolen, we'll either organise the hire of a car or reimburse you the cost of a hire car, up to $80 a day for 14 days.

24/7 Roadside Assistance

Enjoy peace of mind with a trusted national support network in Australia and unlimited callouts.5

Rent a car in AU and we’ll cover the excess

Grabbing a rental car for your holiday? We'll cover up to $2,000 for the excess charged if the rental car is damaged or stolen. Cover terms apply.

Huddle insurance benefits are subject to terms, limits and exclusions. For full details about our products, read the relevant  Product Disclosure Statement and the Target Market Determination which explains who the products are suitable for.

Skip waiting on hold

Local insurance experts

Have questions about your quote, policy or claim? Our friendly Sunshine Coast and Melbourne teams can give you a hand.

You won’t miss the hold music

Book an appointment online and we’ll call when it suits you.

Accidents don’t wait for “business hours” and neither do we 

If you have an accident, we’re always here to help you stay safe and organise your car to be towed, no matter the time. Click here for Emergency help

A woman working on a computer wearing a headset and talking

Everything you get with Huddle

Buy, manage and claim online, anytime

Complimentary carbon offset with your new policy3

Pay monthly or save by paying annually

Local insurance experts, book online and we’ll call when it suits you

Flex your excess to reduce your premium

Customisable cover with optional handy extras

24/7 emergency assistance

Fast claims - some car insurance claims get a decision in minutes

A person planting a small plant in the ground

Great for the planet too

We’ll pay to help offset your carbon emissions by planting and protecting native forests when you buy a new policy3.

We believe businesses should be a force for good. That’s why we donate a portion of our revenue for the planet and are Australasia’s only B-Corp Certified insurance company.

Life moves fast.
Get insurance in minutes.

Commonly asked questions

How does Pay As You Drive Cover work?

Pay As You Drive Cover is comprehensive insurance for drivers who spend less time behind the wheel.

When you sign up, you can buy between 1,000km to 15,000km per year, depending on how many kilometres you think you'll drive during the period of insurance.

We'll then ask you for your start odometer reading within 14 days of the start date of your policy. Your end odometer reading will be your start odometer reading plus the number of kilometres you purchased.

Your Certificate of Insurance will show:

  • the start odometer reading you gave us;
  • the number of kilometres you purchased; and
  • your end odometer reading

Don't worry, if you think you'll drive more than the number of kilometres that you purchased, you can top up your kilometres during the term through the ‘Manage policies’ section of your account. Just keep in mind that we'll need to adjust your premium, too. Check out our PDS for more details.

If you need to make a claim and your odometer reading at the time of the claim is less than your start odometer reading or greater than your end odometer reading, a $1,000 additional excess 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 have not given us your start odometer reading, the $1,000 additional excess will apply.

What is Huddle Black?

Huddle Black is our most powerful level of comprehensive car insurance cover. You get all the benefits of our Comprehensive Car Insurance cover plus additional benefits, higher limits and even roadside assistance.

For more details, see our Product Disclosure Statement. Roadside assistance terms of service apply.

Can I choose where to get my car repaired?

If we accept your claim and the damage to your car can be repaired, we’ll arrange for your car to be repaired using trusted car repairers. We work closely with trusted car repairers to make sure they provide you with quality repairs in a timely manner.

With Huddle Black you can choose your own repairer, but we may still ask you to get a quote from a repairer we select, too.

Click here to view our car repairer network across Australia.

Is anyone insured to drive my car?

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

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

Can I choose my excess?

You can choose an excess from $500 to $5,000. Just make sure you keep in mind what you can afford to pay in the event you need to claim.

How can I get the lowest premium?

There are many factors that contribute to setting your premium, and a safe driving history will go a long way. But choosing the Pay As You Drive cover or a higher excess that you can afford may also help reduce the premium you'll pay. Simply get a quote and choose the options that are best for you. Pay As You Drive is only available for our Comprehensive and Huddle Black cover levels.

More insurance from Huddle

Travel insurance

Get airport lounge access with Smart Flight Delay.7

Home insurance

Save 10% when you buy a combined Home and Contents policy.2