Smarter insurance for your car
Drive away with cover that’s fast to buy and manage. Local insurance experts, plus make claims 24/7 online. Save up to 30% with Pay As You Drive1.
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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.
"Quick and easy to insure and easy to understand cover provided."
"It was one of the most easiest on line policy buying I've experienced ever. As I kept answering the questions it became more and more interesting, at the end of it all I was so satisfied with the policy that I had no hesitation in accepting it."
"Value for money policy that was half the cost of Budget. Straightforward application and communication made the exercise super easy."
"Reasonably priced insurance for a young driver, without too many obstacles to buy."
"Quick and easy to insure and easy to understand cover provided."
"It was one of the most easiest on line policy buying I've experienced ever. As I kept answering the questions it became more and more interesting, at the end of it all I was so satisfied with the policy that I had no hesitation in accepting it."
"Value for money policy that was half the cost of Budget. Straightforward application and communication made the exercise super easy."
"Reasonably priced insurance for a young driver, without too many obstacles to buy."
Drive less and save up to 30%1
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
You’re in control. It’s how insurance should be.
Submit a claim online, anytime and in some cases, you'll get a decision in minutes.
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
Below is a summary table only. Please read our Product Disclosure Statement for full terms, conditions, limits and exclusions that apply.
Cover for loss or damage caused by collision, fire, malicious damage, theft, attempted theft and natural events like hail, storm, flood and bushfire.
Save up to 30% compared to our regular comprehensive cover if you drive less than 15,000 kms per year.
We'll replace your car with a new one if it's written off and you're the first registered owner.
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.
If optional Fire & Theft cover is selected
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.
If optional Fire & Theft cover is selected (if 200 kms or more away from home)
If 200 kms or more away from home
Emergency accommodation only applies if 100kms or more away from home
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.
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.
if optional Fire & Theft cover is selected and your claim if for fire, theft or attempted theft of your car.
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.
We’ll cover the driver of your car for damage to someone else's vehicle or property, caused by the use of your car.
If your keys are stolen, we’ll pay to replace or recode your car's locks and keys.
if optional Fire & Theft cover is selected
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.
We'll cover up to $2,000 for the excess charged if your rental car is damaged or stolen. Cover terms apply.
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
We'll repair or replace your front windscreen excess-free, once every 12 months. With Huddle Black, this also applies to other window glass in your car.
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.
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:
Choose your repairer
Higher cover limits
3 years new for old replacement
Hire car after theft
24/7 Roadside Assistance
Rent a car in AU and we’ll cover the excess
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
Have questions? Our friendly Sunshine Coast and Melbourne teams are here to give you a hand.
Book an appointment online and we’ll call when it suits you.
We’re here 24/7 if you have an emergency claim.
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
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 covered in minutes.
Commonly asked questions
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.
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.
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.
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.
You can choose an excess from $500 to $5,000. Just make sure you keep in mind this amount is payable in the event you need to claim
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 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.