Huddle home and contents insurance

Yes, paying annually will save you money as opposed to monthly instalments. You may be eligible for a 10% discount applied when combining home and contents insurance which will apply for the life of your policy.

Huddle members may be covered for the following possessions under a contents policy or combined home and contents policy:

• Clothing
• Jewellery and watches
• Furniture
• Musical instruments
• Electronic equipment, computers, and appliances not fixed in the building
• Bicycles
• Model aircraft
• Carpets, carpet tiles, floating floors, floor rugs, internal blinds and curtains
• Contents stored in a locked garage or garden shed
• Above-ground swimming pools and spas
• Documents
• Cash
• Antiques
• Artworks
• Collectables.

N.B.: This list is subject to limits, exclusions and restrictions based on either basic or comprehensive policies unless values are specified.

For all items you wish to take outside the home (like laptops and jewellery), you may like to consider portable valuable cover for these.

For items that are kept at home but have a higher value than the limits placed on your contents policy (e.g. artwork, antiques or jewellery), you may want to consider specifying their values so that they’re not underinsured should you need to claim for them.

Huddle is making insurance claims easy and hassle-free with Zap™, a 24/7 claims processing app available to Huddle customers. Events like broken glass, accidental damage and bushfires can be claimed through the app. In some cases, you may receive a decision on your claim within minutes.

Yes. Storms, earthquakes, tsunamis and volcanic eruptions are all natural disasters Huddle will accommodate as insured events should you need to claim against any of these.

Huddle home insurance isn’t designed for landlords, but as a renter, you can take out Huddle contents insurance to cover your belongings in a rental property.

You can lodge a claim on your home and contents policy by visiting Huddle’s website and logging in to the customer portal, or calling their claims and emergency support line, which are open 24 hours a day. Make sure you have on hand all the information about the incident and upload any documents (evidence), such as photos of the damage and police reports; this will significantly help in your claim being approved.

Huddle aims to decide on your claim within minutes, where possible. If this can’t be done, a member of Huddle’s customer support team will contact you to help you process the claim, and they may ask for additional information.

You’ll likely need to pay a basic excess payment when you lodge a claim on your Huddle home and contents insurance policy. Your Certificate of Insurance will show the amount you’ll be expected to pay for this.

You can cancel your policy at any time – just contact Huddle and they will facilitate this for you. They may charge a cancellation fee (as specified in your Certificate of Insurance). Any premiums you’ve already paid but haven’t used may be refunded, less any cancellation fees or government charges (e.g. taxes, levies or duties).

You can, of course, cancel your membership within the cooling-off period and Huddle will refund any premium funds you have paid for your policy (provided you haven’t claimed in this period).

If you need to rebuild your home due to an insured event, Huddle will help pay for new eco-friendly additions to be included in the home; this is Environmental Benefits cover. These can include solar panels, rainwater tanks and other improvements that can benefit the environment, though you can only claim up to a set limit for any environmental improvement made to the home.