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Looking for cheap car insurance? Our customers told us they saved on average $183* by switching to Budget Direct.
Get an online quote in just 2 minutes and see how much you could save.
Just because it's compulsory doesn't mean it has to be expensive
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Budget Direct has won Money magazine's Insurer of the Year award again in 2017 (we also won this prestigious award in 2015 & 2010). We are delighted with this win demonstrating that our customers really do get more with Budget Direct.
We’ve been awarded the CANSTAR Outstanding Value Car Insurance award for a record-breaking 11 years in a row – the only brand in any category to win a CANSTAR award 11 years running. Find out more about this award and other awards we’ve won.
Our very own hailstorm tracker will send you a text message if there’s hail heading your way, ideally giving you at least ten minutes to get your car under cover. That means fewer repair bills for us, and lower premiums and less hassle for you. Learn more about Hail Hero
At Budget Direct we work tirelessly to improve the way we provide insurance to our customers. We've combined more than 30 years of innovation from our group around the world with 14 years of homegrown Australian excellence to offer you Simply Smarter Insurance. Here’s an extended list of our simply smarter innovations.
A lifetime guarantee on authorised repairs for as long as you own the car.
A 21-day money back guarantee if you change your mind and haven't made a claim.
Full 24/7 Claims Service - Your choice of phone or online.
Customers rate us 
4.5 | 9,067 Reviews°°
Budget Direct's Car Insurance has won CANSTAR's award for Outstanding Value Car Insurance for a record-breaking 11 years in a row, from 2007 to 2017. In fact, we're the only Australian insurer in any category to have won a CANSTAR 5-Star Rating award every year since the awards began in 2007.
By asking smarter questions about your insurance needs and driving history when you get a quote for car insurance, we’re able to identify better drivers, which means that when our premiums are calculated, we’re able to offer cheaper prices to good drivers like you.
To help our customers reduce the risk of their car being damaged we also offer innovative services like Hail Hero, which is free to all Budget Direct Car Insurance customers in Australia. Hail Hero is our award-winning early warning system that helps drivers to avoid approaching hailstorms through timely SMS text warnings. Since launching Hail Hero in 2012 we have sent more than 1.7 million text messages to customers across Australia warning them about hailstorms approaching their area.
If you are involved in an accident or your car is stolen, you’ll have the peace of mind of knowing our 24/7 Claims Helpline will be there to help you lodge a claim and get you back on the road as soon as possible.
To help you find the right insurance policy for you, Budget Direct offers different types of car insurance, levels of cover and a range of options and additional benefits that let you tailor your policy to give you the protection you need at a price you can afford.
You can find more details of our different types of Car Insurance below.
Our Comprehensive Car Insurance covers you for the cost of the repair or replacement of your vehicle following an accident – regardless of who’s at fault – malicious damage, fire, bad weather and theft. It also covers accidental damage caused by your vehicle to other people’s property (e.g. their car or home).
We’ll also cover the loss or damage to your personal effects, replacement keys, trailer and the cost of emergency transport and accommodation (limits apply).
Our Comprehensive Car Insurance also comes with a whole range of other popular features as standard, like New-for-Old replacement if your car is written off within the earlier of the first 2 years or 40,000 kms# and No Claim Discount protection if a third party is identified and at fault.
And the best part is that you’ll get a ##% discount off your premium if you get a quote for Car Insurance online.
Find out more about Budget Direct Comprehensive Car Insurance or
Choose from Third Party Property insurance, which covers you for accidental damage caused to other people’s property, or Third Party, Fire and Theft, which adds cover if your car catches fire or is stolen, and includes a hire car after a theft.
Please note: Conditions, limits and exclusions apply. Please read the PDS for full details.
Find out more about Budget Direct Third Party Car Insurance or
New South Wales’ Road Traffic Act allows car owners in the state to choose their own provider for Compulsory Third Party, or “Green Slip,” insurance. And just like all our other types of car insurance at Budget Direct, our aim is to help you save on your CTP premiums.
Find out more about Budget Direct Green Slip CTP Insurance or
Beyond the great range of standard benefits available with Budget Direct Car Insurance, we also offer a variety of optional policy benefits that you can choose to tailor your insurance cover.
These optional benefits include:
We also offer Roadside Assistance, either as an optional add-on to your car insurance policy, or as a standalone service. Find out more about Budget Direct Roadside Assistance here.
Please note: Some of these optional benefits apply only to comprehensive car insurance policies. Please read the PDS for full details of available cover and optional benefits, or view this comparison of Budget Direct car insurance policy benefits.
Choose a payment schedule that suits you, with options to pay your annual premium fortnightly, monthly or once a year, with multiple payment methods available, including Direct Debit, Credit Card and PayPal.
When you buy car insurance from Budget Direct you get a Budget Direct Buddy code you can give to your friends. And if they use it to buy a Budget Direct insurance policy, you both get a $50 VISA card.**
Customers who switched to Budget Direct Car Insurance told us they saved an average of $###*** compared to their previous insurers. You can use our Comparitron™ tool to compare car insurance savings from across Australia.
See how much customer's told us they saved in your state:
If you do ever need to make a claim on your Budget Direct Car insurance you can call our 24/7 Claims Helpline or lodge your claim online using our self-service Online Policy Manager.
Click here for contact details and more information about making a car insurance claim.
Get a quote and buy our Car Insurance online to save ##%^
If you’d prefer to have someone talk you through the process, you can get a quote online and then buy through our customer service centre and you’ll still get the same ##% discount.
There are several factors you can change when getting a car insurance quote which may help to reduce the cost of the premium you pay:
An excess is the fixed amount you pay towards a claim you make on your car insurance policy.
For example, if you were deemed at fault for the damage and your excess was $600 and your damage bill $3000, you would pay $600 and we would pay $2400. If the damage was $600 or less, you would pay the entire bill.
If your vehicle was written off, the excess would be deducted from the final settlement amount paid to you.
A no-claims discount (NCD) is a discount you receive on your Comprehensive Car Insurance premium for every year you go without making a claim. (It’s also known as a no-claims bonus.)
The more years you remain claim-free, the lower your premium. The discount is typically capped at a certain number of years or a percentage of your premium.
* A 21-day money back guarantee if you change your mind and haven't made a claim.
** Conditions Apply. Excludes household members.
# The earlier of 2 years or 40,000 kilometres from original registration in your name. Conditions apply, please see PDS for full details.
°°Based on Budget Direct Car Insurance customers surveyed between February 10th 2015 and February 28th 2017. See www.budgetdirectreviews.com.au for details.
***
This insurance is arranged by Auto & General Services Pty Ltd (ABN 61 003 617 909, AFSL 241 411, Registered Office: 13/9 Sherwood Rd, Toowong 4066) on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 5 86 353, AFSL 285 571). Because we don’t know your financial needs, we can’t advise if this insurance will suit you. You should consider your needs and read the PDS before making a decision to buy insurance. Click to view or download a copy of our Product Disclosure Statement or Financial Services Guide. ^Online Discount Terms & Conditions apply. Car insurance not available in NT.
