Budget Direct’s policies offer a range of flexible options so you can reduce or adjust your car insurance premium to suit your own individual priorities and maximise savings.
Accident Hire Car Benefit
Our Accident Hire Car Benefit option is offered to help reduce the inconvenience suffered by our comprehensive policy holders when their vehicle is off the road undergoing repairs following an accident.
With the services of our hire car partner Europcar, our clients purchasing the benefit can have a compact class vehicle (such as a Nissan Tiida) for up to 14 days whilst their own car is being repaired. This optional benefit is keenly priced and can be added to your policy when you purchase the policy online or over the phone.
The Hire Car Benefit includes the following as standard:
- Unlimited kilometres in all locations
- 24 hour roadside assistance
- Damage liability protection with an excess of $330 a year (GST inclusive)
- Underage surcharge (allowing drivers from 18 years old)
- Multiple driver surcharge
- Provision of child seats
Agreed Value or Market Value
You can choose to insure your car for its current market value or for an alternative amount agreed on by both of us.
Maximum No Claim Discount Protection
Maximum No Claim Discount Protection entitles you to make 1 claim during your current insurance period or 2 claims in a three-year period without affecting your Maximum No Claim Discount (Rating 1).
Windscreen Excess Reduction
Choose to reduce your windscreen excess by varying your premium.
Restricted Driver Discounts
You can choose to restrict the age of the drivers of your vehicle to receive a lower insurance premium. Budget Direct lets you restrict the youngest drivers age to 21, 25, 30 or 40 years of age, once again helping you tailor your motor vehicle insurance policy to your specific circumstances to help you reduce your premium.
Variable Excess to Reduce Premium
With Budget Direct's variable excess function you can vary the amount of excess you pay in the event of a car insurance claim to reduce your insurance premium. It's completely up to you. At the end of an online quote use the Policy Excess drop down box to vary your excess level to reduce or raise your premium. If you're doing a phone quote ask the Budget Direct representative about the variable excess options.
