Budget Direct has insured motorists in the Australian Capital Territory since 2000.

Whether you live in the Bush Capital or simply in the bush, we've got a wide range of car insurance for you to choose from.

Switch and save

In comparison to their previous insurers' premiums, our ACT car insurance customers told us they saved an average of $### by switching to Budget Direct.

It explains why Canstar has awarded us their national Outstanding Value Car Insurance award for a record 13 years in a row, from 2007 to 2019.

View Canstar's award winners and ratings methodology

CANSTAR's Outstanding Value Car Insurance Australia 2007-2019

Use our Comparitron™ tool to compare car insurance savings reported by our customers throughout Australia.

Choose your cover

With Budget Direct, you can select one of three types of car insurance:

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.
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Third Party Property Insurance

Covers your liability for accidental damage your car causes to other people’s property, including their vehicles.
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Third Party, Fire and Theft Insurance

Provides the same cover as Third Party Property, with extra protection against loss or damage to your vehicle due to fire and theft.
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Highly rated claims


Assessments and repairs

In the ACT, you can get your vehicle’s damage assessed by:

  • one of our network repairers, or
  • a local repairer (if there isn’t a network repairer near you).

For your convenience, after your car’s damage has been assessed, and if we authorise the repairs, we may appoint a repairer and manage the whole repair process on your behalf.

Alternatively, you may be able to nominate your preferred repairer.

Roadside Assistance

For $79.95 a year – about $1.60 a week – you can take advantage of our 24/7, nationwide Roadside Assistance service. 

Whether you run into trouble around Lake Burley Griffin or while driving along the Federal Highway, our ACT network of roadside contractors means you’re never too far from help.

Compulsory Third Party (CTP) insurance

All vehicles in Australia must have CTP cover before they can be registered and legally driven on the road; motorists pay for this cover either as part of their vehicle registration fee or separately.

In some states and territories, there is only one approved provider of CTP insurance; ACT is one of the jurisdictions in which motorists can choose a provider.

For more information, visit the ACT Government’s compulsory third party insurance web page.

*Based on customers in the Australian Capital Territory who have made a claim on Budget Direct Car Insurance, and who were surveyed between 10 February 2015 and 31 December 2018. Visit www.budgetdirectreviews.com.au for more details.

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