Huddle Insurance

Huddle Insurance, digital insurance for car, home and travel

Huddle Insurance is a digital insurer that offers car, home, home contents and travel insurance. The company presents itself as part of Open, a group described as one of the world's leading technology-focused insurance companies, with teams in Australia, New Zealand and the UK. Huddle Insurance is a business name of Open Insurance Pty Ltd, ABN 23 166 949 444, AFSL No. 451712.

Products and cover

Huddle's range includes car, home and contents, and travel insurance. In the car segment, it offers Pay As You Drive cover, which applies a discount of up to 30% compared to its regular Comprehensive Cover if the policyholder drives less than 15,000 km a year. For home and contents, purchasing both policies together entitles you to a 10% discount on the premium, applicable in each policy period as long as the combined policy is held. Discounts do not apply to taxes, government charges, fees or optional non-insurance services such as roadside assistance.

The company also offers 24/7 roadside assistance and an online claims management service available at all hours; for some types of claim, the decision may be communicated in minutes. For travel, the International Black Comprehensive plan includes Smart Flight Delay: the policyholder must register their flights at least two hours before scheduled departure and, if the flight is delayed by more than 60 minutes, they receive an email voucher for themselves and up to four companions on the same flight.

Environmental commitment and partnerships

Huddle offsets carbon emissions from new policies through a partnership with Greenfleet, which plants and protects biodiverse native forests in Australia and New Zealand with legal protection for 100 years. This measure applies to new policies from 29 November 2022 and not to renewals. The insurer also has a partnership with Telstra: customers who sign up with their Telstra ID can earn Telstra Plus points when taking out eligible policies. The offer is valid until 30 June 2026, unless extended or withdrawn earlier, and points are awarded after 30 days of the car or home policy being active, or 30 days after purchase for travel, and are added to points activity within the following 14 days.

Operations and structure

The business is organised into two markets: Huddle AU and Huddle UK. The company offers 24/7 online access to manage policies, download documents and lodge claims, supported by a team of specialists. Car and home insurance is issued by Huddle Insurance, a business name of Open Insurance Pty Ltd, on behalf of the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL No. 241436. Open acts as an agent of Hollard and not on your behalf. Travel insurance is arranged, administered and issued by Huddle Insurance on behalf of certain underwriters at Lloyd's. Telstra Limited, ABN 64 086 174 781, AR 1303090, promotes Huddle insurance as an authorised representative of Open Insurance Pty Ltd.

Emergency and claims support

Huddle has a 24/7 emergency assistance service for customers affected by weather events. Claims can be lodged online at any time and, in certain cases, the decision is communicated in minutes. The company states that if you purchase insurance through its site, it receives a commission of up to 27% of the premium for each policy issued and renewed.