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 Gold Low Kilometres Comprehensive Third Party Property, Fire & Theft Third Party Property Only
Loss or damage to your vehicle Yes Yes Fire and theft only No
New car replacement 2 years / 40,000 km 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 Up to $20 million
Damage caused by an uninsured driver Yes Yes Up to $5,000 (including recovery, towing and storage costs) Up to $5,000 (including recovery, towing and storage costs)
Towing Yes Yes Fire and theft only No
Hire car following theft Up to $1,000
(limit 14 days)
Up to $1,000
(limit 14 days)
Up to $1,000
(limit 14 days)
No
Hire car following a no fault accident Yes Yes No No
Replacement of stolen keys / remote Up to $1,000 Up to $1,000 No No
Damage to your caravan or trailer in a collision Up to $1,000
(caravan and trailer)
Up to $1,000
(caravan and trailer)
No No
Emergency transport and accommodation $200 a day
($1,000 in total)
$200 a day
($1,000 in total)
No No
Damage or theft of personal effects in your car Up to $500
(theft and damage)
Up to $500
(theft and damage)
No No
Damage or theft of child seat/baby capsule in your car Up to $500 Up to $500 No No
Debris removal Yes Yes Yes Yes

For an additional premium, you can add one or more of the following optional benefits to your policy:

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

Reduced window-glass excess

Yes Yes No No
Choice of repairer Yes Yes No No

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 Gold Low Kilometres Comprehensive Third Party Property, Fire & Theft Third Party Property Only
Restricted driver age discount Yes Yes Yes Yes
No excess payable when identified third party is at fault Yes Yes Yes Yes
Repairs guaranteed for as long as you own the car Yes 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 Yes No No
No-claim discount preserved when identified third party is at fault Yes Yes No No
Fortnightly, monthly or yearly premium payments Yes Yes Yes Yes
24/7 online and phone claims service Yes Yes Yes Yes
Online discount 15% 15% 15% 15%
Unless you have a no-fault accident, when you make a claim you’re required to pay a…
Basic Excess As shown on your insurance certificate1
…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 or open Australian licence for 2 or more years $500
Driver is not the regular driver or is not listed on your insurance certificate2 $600
Car has exceeded the kilometres per year selected, no odometer reading was provided or an invalid odometer reading was provided3 $1,000
If you make a windshield-only claim, you’re required to pay a…
Window glass-only excess As shown on your insurance certificate4

1. For an additional premium, you may be able to reduce your Basic Excess (or vice-versa). As well as your insurance certificate, the excess amount is shown 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 Gold Low Kilometres Comprehensive policies.
4. As well as your insurance certificate, the excess amount is shown in your online account. For an additional premium, you can add the optional ‘Reduced window glass excess’ benefit to your comprehensive policy. Your standard window glass-only excess will be reduced to just $40. You can add this option only within 21 days of buying your policy, renewing it, or transferring it to a replacement vehicle.

Compare our car insurance prices

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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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