Founded in 2000, Budget Direct is proud to offer award-winning insurance that has helped over 3 million Australians since its inception.
Budget Direct is underwritten by Auto & General Insurance Company Limited, an APRA-regulated Australian insurance company. Their commitment to innovation means you get all the features you’d expect in your car insurance, plus:
Budget Direct provides a range of car insurance options for Australians in all states and territories. These products include:
Third Party Property Only insurance offers a basic level of protection by covering your liability for damage to other people’s property (including their car) if you’re at fault in an accident. However, it doesn’t cover your car if it’s damaged in an accident, by severe weather or malicious acts like theft. There is limited cover for damage to your car if it’s involved in a no-fault accident by an uninsured vehicle.
This type of cover provides the same cover as Third Party Property Only, but also includes cover for loss or damage to your car if it’s stolen or damaged by fire.
Comprehensive car insurance covers everything included in third party insurances as well as loss or damage to your car. If your brand new car is written off within two years or 40,000km of the original registration (whichever comes first), they will replace it with a new one.
Refer to the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for full terms and conditions.
| Budget Direct’s car insurance benefits | |||
| Benefit | Comprehensive | Third Party Property, Fire and Theft | Third Party Property Only |
| Loss or damage to your car | Yes | Only fire and theft | – |
| New car replacement | 2 years/40,000km | – | – |
| Legal liability for damage to a third party’s car or other property | Up to $20 million | Up to $20 million | Up to $20 million |
| Damage caused by an uninsured driver | Yes | Up to $5,000 (including recovery, towing and storage costs) | Up to $5,000 (including recovery, towing and storage costs) |
| Towing | Yes | Only fire and theft | – |
| Hire car following theft | Up to $1,000 | Up to $1,000 | – |
| Replacement of stolen keys/remote | Up to $1,000 | – | – |
| Damage to your trailer or caravan in a collision | Up to $1,000 | – | – |
| Emergency transport and accommodation | $200 per day ($1,000 in total) | – | – |
| Theft or damage of personal effects in your car | Up to $500 | – | – |
| Theft or damage of child seat/baby capsule in your car | Up to $500 | – | – |
| Debris removal | Yes | Yes | Yes |
| Hire car following a no fault accident | Yes | – | – |
| The information in this table is accurate as at February 2023 Terms, conditions, limits and exclusions apply. For full details, please read the PDS. | |||
With Budget Direct’s smart cover options, customers can tailor a policy and its features to their individual needs. The following are examples of some policy features, benefits and options that may be available to you depending on your level of cover:
Roadside assistance can also be purchased with or without a car insurance policy.
N.B. Always carefully review each policy’s Product Disclosure Statement (PDS) for full details on benefits, features, services, terms and conditions before making a decision to purchase.
If you need to make a claim with Budget Direct you can head online to book an assessment of your car’s damage. If you’d prefer to talk to a team member, you can call Budget Direct at any time, seven days a week.
Here’s some information you’ll need to help the lodge the claim:
If your claim is accepted, Budget Direct will repair or replace your vehicle, or pay you out the market or agreed value of your car (depending on your level of cover).
If you’re involved in an accident and, Budget Direct deems you not at fault and the other party is identified, you won’t have to pay any excess. In other instances, you will usually have to pay the basic excess and any other additional excesses that may apply. All excesses will be listed on your Insurance Certificate.
Additional excesses may apply when the person driving your car, who is not an excluded driver but who:
Low Kilometres Comprehensive policies may attract a further additional excess when the car is being driven and:
For more detailed information on excess payments, always read your policy’s PDS.
You may cancel your policy at any time. If you cancel your policy within 21 days of the purchase or renewal date (“cooling-off period”) and no claim is made, you will receive a full refund of the premium you have paid.
If you cancel outside the cooling-off period, you will be refunded any premium you have paid for the unused portion of your policy, less the early cancellation fee and any government taxes and charges.
To cancel your Budget Direct car insurance policy, call them directly. However, if you’re looking to switch insurers try out our car insurance comparison tool to compare great-value car insurance from other well-known brands.
This depends on your car’s specifications and whether it’s modified, as well as who the regular driver is. This is particularly important if the classic or vintage car is a high-performance car. Compare Budget Direct car insurance to find out if there is a policy available for your type of car.
Switching car insurance providers is easy, as you have no obligation to stick with your current insurer. Once you have replacement cover, simply call up your provider and cancel your policy. To switch over to Budget Direct, or another major brand, take advantage of our free comparison service.
Start by comparing a range of policies based on their premiums, features and benefits. Simply enter some relevant details into our comparison tool, as well as the level of cover you’re looking to take out for your car.
It takes only minutes to compare with us!
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