Compare our car insurance policies

Compare the benefits, features, claim limits and optional extras of our different levels of car insurance.

Benefits and features

Included benefits
Optional benefits
Other features
Excesses
Included benefits Gold Comprehensive Third Party Property, Fire & Theft Third Party Property Only
Loss or damage to your vehicle Yes Fire and theft only No
New car replacement 2 years / 40,000 km No No
Damage to someone else’s car or other property (legal liability) Up to $20 million Up to $20 million Up to $20 million
Damage caused by an uninsured driver Yes Up to your car’s market value or $5,000 (whichever is lesser) Up to your car’s market value or $5,000 (whichever is lesser)
Towing Yes Fire and theft only No
Hire car following theft Up to $1,000
(limit 14 days)
Up to $1,000
(limit 14 days)
No
Hire car following a no fault accident Up to 14 days No No
Replacement of stolen keys / remote Up to $1,000 No No
Damage to your caravan or trailer in a collision Up to $1,000
(caravan and trailer)
No No
Emergency transport and accommodation $100 a day
($850 in total)
No No
Damage or theft of personal effects in your car Up to $500
(theft and damage)
No No
Damage or theft of child seat/baby capsule in your car Up to $500 No No
Debris removal Yes Yes Yes
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For an additional premium, you can add one or more of the following optional benefits to your policy:

Optional benefits Gold Comprehensive Third Party Property, Fire & Theft Third Party Property Only
Accident hire car Yes No No

Reduced window-glass excess

Yes No No
Choice of repairer Yes No No
No-claim discount protection Yes No No
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How do I add an optional benefit to my policy?

You can add one or more of these optional benefits when you get a quote and buy a policy or – if you’ve already bought one – by calling us on 1300 306 560 or logging into your online account and editing your policy.

Other features Gold Comprehensive Third Party Property, Fire & Theft Third Party Property Only
Restricted driver age discount Yes Yes Yes
No excess payable when identified third party is at fault Yes Yes Yes
Repairs guaranteed for as long as you own the car Yes Repairs to damage caused by an uninsured driver only
(limits apply)
Repairs to damage caused by an uninsured driver only
(limits apply)
Higher excess to reduce premium Yes No No
No-claim discount preserved when identified third party is at fault Yes No No
Fortnightly, monthly or yearly premium payments Yes Yes Yes
24/7 online and phone claims service

Yes

Yes Yes
Online discount 15% 15% 15%
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If you make a claim on your car insurance policy, you’re required to pay the following excess/es – unless you have a no-fault accident:

You’re required to pay a…
Basic Excess Varies by state/territory and vehicle value1
…as well as any additional excesses that apply…
Driver is under 21 years of age $600
Driver is 21 to 24 years of age inclusive $500
Driver has not held a full Australian licence for at least two years $500
Driver is not the regular driver or is not listed on your insurance certificate2 $600
Vehicle has exceeded the mileage limit3 $2,000

1. For an additional premium, you may be able to reduce your Basic Excess (or vice-versa); the excess amount is shown on your insurance certificate and in your online account.
2. Any household members (i.e. people who live with you) who may drive your car must be listed, otherwise your car will not be covered while they are driving it.
3. Applies only to ‘low-kilometres’ policies.

Compare our car insurance prices

You know how our policies stack up against one another, but how do our premiums compare to other car insurers’? Find out how much customers in your state told us they saved by switching to Budget Direct.

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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.

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You can buy a membership with or without a Budget Direct car insurance policy.

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