Explore Car Insurance

Budget Direct Car Insurance at a glance

  • Winner of Money magazine’s Insurer of the Year 2017, 2018, 2019 and 2020 – that’s four years in a row!
  • Rated 4.5 out of 5 stars via 30,609 reviews by Budget Direct’s Home and Motor customers from February 2015 to February 2020
  • Vehicle assessment centres located in Brisbane, Sydney and Melbourne

About Budget Direct

Founded in 2000, Budget Direct is proud to offer insurance that has helped over 3 million Australians since its inception with its award-winning Insurance products.

Budget Direct is underwritten by Auto & General Insurance Company Limited, an APRA-regulated Australian insurance company, and is part of the international BHL Group. The insurer’s commitment to innovation means you get the features you’d expect in your car insurance, plus:

  • flexible fortnightly, monthly and annual payment options
  • 24/7 claims service over the phone or online
  • lifetime guarantee on all authorised repairs for as long as you own the car
  • restrict cover to certain drivers to save on premiums
  • app alert that warns you when damaging hail is approaching.

Budget Direct’s Car Insurance products

Budget Direct provides a range of car insurance options for Australians in all states and territories. These products include:

  • Third Party Property Only insurance.
    Third Party Property Only insurance offers a basic level of protection. Budget Direct covers your liability for damage to other people’s property, including their car, if you’re at fault in an accident. It doesn’t, however, cover your car if it’s damaged in an accident, by severe weather, like hail or flooding, 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.
  • Third Party Property, Fire and Theft insurance.
    This type of cover provides the same cover as Third Party Property Only plus cover for loss or damage to your car if it’s stolen or damaged by fire.
  • Comprehensive insurance.
    Comprehensive car insurance covers everything Third Party Property Only and Third Party Property, Fire and Theft cover, as well as loss or damage to your car and new-for-old car replacement if your car is written off. 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 for full terms and conditions.

Snapshot of Budget Direct’s car insurance benefits
BenefitComprehensiveThird Party Property, Fire and TheftThird Party Property Only
Loss or damage to your carYesOnly fire and theft
New car replacement2 years/40,000km
Legal liability for damage to a third party’s car or other propertyUp to $20 millionUp to $20 millionUp to $20 million
Damage caused by an uninsured driverYesUp to $5,000 (including recovery, towing and storage costs)Up to $5,000 (including recovery, towing and storage costs)
TowingYesOnly fire and theft
Hire car following theftUp to $1,000Up to $1,000
Replacement of stolen keys/remoteUp to $1,000
Damage to your trailer or caravan in a collisionUp to $1,000
Emergency transport and accommodation$200 per day ($1,000 in total)
Theft or damage of personal effects in your carUp to $500
Theft or damage of child seat/baby capsule in your carUp to $500
Debris removalYesYesYes
Hire car following a no fault accidentYes
The information in this table is accurate as at 04/11/2020
Terms, conditions, limits and exclusions apply. For full details, please read the Product Disclosure Statement.

Standout policy features and policy options

With Budget Direct’s smart cover options, customers can tailor a policy to their individual needs with policy features. The following are examples of some policy features, benefits and options, depending on your level of cover:

  • there is No Claim Discount. NCD is based on your claims record and driving experience. For each year you don’t claim on your policy, your discount will increase until you reach the maximum discount, known as Rating One;
  • you may benefit from reduced window glass excess (includes front, rear and side windows). This is an optional benefit where you’ll pay an extra fee on your premium in exchange for a lower excess if only your car’s window glass needs repairing or replacing;
  • you may receive restricted driver age discounts. You can restrict your policy to drivers over certain ages. The older the age restriction, the cheaper your premium;
  • accident hire car benefit (optional benefit) provides you with a hire car that meets your needs after an at fault claim while your car is repaired;
  • if your car travels less than 10,000km a year, you can receive a lower premium by taking out a Gold Low Kilometres Policy.

Roadside assistance can 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 and terms and conditions before making a decision to purchase.

Frequently asked questions

How do I make a claim with Budget Direct?

Before making a claim, it’s essential you gather the following information for faster and easier lodgement:

  • your Budget Direct policy number
  • the details of the incident, including the time, date and location
  • other drivers’ names, addresses, insurance details and vehicle registration numbers
  • witness’ names and contact details if applicable
  • tow-truck company details if applicable
  • police report number if applicable.

After you’ve gathered this information, you can head online to lodge your claim and 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.

Within two business days of lodging your claim, Budget Direct will contact you if they require any extra information and will explain the next steps of the process. If your claim is accepted, Budget Direct will either repair, replace or pay you the market or agreed value of your car, depending on your claim and your PDS.

Do I have to pay an excess?

If you’re involved in an accident and the insurer 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:

  • is under 21 years of age
  • is between 21 to 24 years of age inclusive
  • hasn’t held a full Australian licence for at least two years
  • is not a listed driver on your policy’s Insurance Certificate.

Low Kilometres Policies

Gold Low Kilometres Comprehensive policies may attract a further additional excess when the car is being driven and:

  • has exceeded the “Kilometres Per Year” you selected, or
  • no odometer reading was provided within 21 days of the policy commencement or,
  • at the time of claim the odometer reading is less than what is listed on your Insurance Certificate.

For more detailed information on excess payments, always read your policy’s PDS.

How do I cancel my Budget Direct policy?

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 less any government taxes and charges.

To cancel your Budget Direct car insurance policy, call them directly. If you’re looking to switch insurers, however, try out our car insurance comparison tool to find great-value car insurance from other well-known brands.

Does Budget Direct offer cover for classic and vintage cars?

This depends on your car’s specifications, whether it’s modified, as well as who the regular driver is, particularly 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.

How to switch car insurance providers

Switching car insurance providers is easy, as you have no obligation to stick with your current insurer – 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; including 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 discover great-value cover that could suit you and your budget.

Note: your insurance company may charge an early cancellation fee.

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