Save by restricting your policy to drivers over a certain age: 21+, 25+, 30+, 40+, 50+ – the biggest age range of any major insurer.
A lifetime guarantee on authorised repairs for as long as you own the car.
New car replacement
If your brand-new car is written off within two years or 40,000km of the original registration (whichever comes first), we’ll replace it with a new one (Gold Comprehensive).
You can lodge a claim over the phone or online at any time of the day or night, 365 days a year.
Winner of Canstar’s Outstanding Value Car Insurance award for a record 16 years in a row (2007 to 2022).
Highly rated claims
A 4.2 out of 5 stars claims service, based on nearly 5,000 customer reviews collected by Bazaarvoice, a leading independent ratings provider.
If your car is involved in an accident and can't be safely driven, we will pay the reasonable cost of towing your car.
Hire car following a no fault accident or theft
If we accept your claim for a no fault accident or theft of your car, you'll be eligible for a hire car.
Choose your cover
Comprehensive Car Insurance
Covers loss or damage to your vehicle due to an accident, theft, severe weather, malicious damage, and fire; and your liability for accidental damage your car causes to other people’s property.
Third Party Property Only Insurance
Third Party Property, Fire and Theft Insurance
Upgrade your cover
For an additional premium, you can customise your comprehensive car insurance by adding one or more of these optional benefits to your policy:
Accident hire car
Get a hire car for up to 14 days, while your car is being repaired, if it is damaged in an at fault accident. Hire car following a no fault accident or theft are already covered as standard benefits.
Reduced window glass excess
Reduce your excess for damage to your vehicle’s window glass, including windscreen, to just $40.
Choice of repairer
If you have a claim with us you can nominate your preferred repairer.
How do I add an optional benefit to my policy?
(Note that you can reduce your window-glass excess only within 21 days of buying your policy, renewing it, or transferring it to a replacement vehicle.)
For just $89.95 a year – less than $1.75 a week – you can take advantage of our 24/7 nationwide Roadside Assistance service.
It can be purchased with or without a Budget Direct car insurance policy.
With our Australian network of more than 2,500 contractors, you’re never too far from help.
If you’re a Budget Direct customer, we’ll warn you via SMS of hail storms approaching the address where your car is normally kept.
Hail Hero is exclusive to customers throughout Australia.
Compare car insurance savings
In comparison to their previous insurers’ premiums, customers across Australia who switched to Budget Direct Comprehensive Car Insurance told us they saved an average of
Award-winning Australian car insurance
After comparing over 48,000 quotes, comparing 54 Comprehensive Policies offered by 44 insurance providers, across 42 Consumer profiles, Canstar proclaimed Budget Direct winners of the National Outstanding Value Car Insurance Award for 2022. In the process, Budget Direct became the only brand in any category to win a Canstar National Outstanding Value Award 16 years in a row.
We also won Money magazine's Best of the Best 2022 winner for Best-Value Car Insurance 4 years in a row (2019-22); and a Mozo Experts Choice 2021 award for Exceptional Value Car Insurance.
We were also rated 5 stars by LMI ClaimsComparison for our Motor & Home & Contents service. The rating is based on both quantitative and subjective data, as well as policy features that are deemed by LMI ClaimsComparison as important to a positive claims experience.
Find out more
The information on this page is a summary only. For more details about Budget Direct car insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement (PDS)
Frequently asked questions
What are the different types of car insurance?
Budget Direct offers three types of car insurance:
- Comprehensive covers the loss of, or damage to, your vehicle due to an accident (regardless of who’s at fault), vandalism, fire, weather, and theft. It also covers damage caused by your vehicle to other people’s property (e.g. their car and home).
- Third Party Property covers damage caused by your vehicle to other people’s property (e.g. their car and home). It does not cover damage to your vehicle (unless it’s damaged in a no-fault accident with an uninsured driver, in which case you have limited cover).
- Third Party, Fire and Theft provides the same protection as Third Party Property plus cover for loss or damage to your vehicle if it’s stolen or catches fire.
The type of cover you have is shown on your car insurance certificate.
How can I get cheaper car insurance?
By not insuring unsafe drivers, we can keep our car insurance premiums low for safer drivers like you.
Depending on the type of car insurance you choose, there are a number of ways you can reduce your premium even further, namely:
- Select the right level of cover. Do you need comprehensive cover for your car, or would third party property insurance be enough?
- Set a driver-age restriction. You can get a lower premium by restricting your policy to drivers over a certain age (21+, 25+, 30+, 40+, 50+).
- Increase your excess. If you’re comprehensively insured and you increase your Basic Excess, we’ll reduce your premium.
- Maintain a good driving record. For each claim-free year, you’ll receive a no claim discount (NCD) on your premium; the NCD is capped at 5+ years, at which point we’ll give you a Rating 1.
How much can I insure my car for?
With Budget Direct, you can insure your car for its market value or, in some cases, for an agreed value.
Market value is the reasonable cost to replace your car with one of the same make, model, age, mileage and overall condition.
To get an idea of what your car may be worth, search for it in the Red Book or on car sales websites.
Please note that the prices provided by these sites are only meant to be a guide. Your car's market value will be determined by us at the time of the loss or damage.
Agreed value is the amount we agree to insure your car for. We may offer you an agreed value, provided:
- your car is less than 10 years old; and
- your car has not been converted to LPG; and
- the car has no pre-existing damage; and
- the agreed value is within an acceptable range of the market value.
The value for which your car is covered is shown on your insurance certificate and in your online account.
Which drivers must be listed on my policy?
You must list any household members (including learner, provisional and occasional drivers) who may drive the car. Unlisted household members won’t be covered.
Any non-household members who drive the car are automatically covered. If you list them on your policy, you’ll avoid having to pay the unlisted driver excess (other excesses may apply).
What is a car insurance excess?
A car insurance excess is the fixed amount you pay towards a claim.
Depending on the circumstances of the incident that led to your claim, you may have to pay more than one excess: your Basic Excess plus any additional excesses that apply.
For example, if someone under the age of 21 causes an accident while driving your car, you’ll have to pay your Basic Excess (let’s assume it’s $600) plus an additional excess of $600 due to the driver’s age.
It means that, if the damage bill was $5,000, say, you would pay $1,200 and we would pay $3,800.
Your Basic Excess and the additional excesses are shown on your insurance certificate.
If you make a claim, we’ll tell you which excesses apply and when and how to pay them.
You won’t have to pay an excess if the accident is deemed a no-fault accident.
Car Insurance Knowledge Base
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