Find out how much you could save by switching to us

By not insuring unsafe drivers, we can keep our car insurance premiums low for safer drivers like you.

Compared to their previous insurers' premiums, our customers told us they saved an average of $### by switching to us.

Here are some examples of their self-reported savings:

Customers who switched from… Told us they saved an average of…
AAMI $###
Allianz $###
Coles Insurance $###
NRMA $###
Suncorp $###
Youi $###

Award-winning Australian car insurance

After comparing the cost and features of 47 comprehensive policies offered by 37 insurers, Canstar awarded us one of only two national awards for Outstanding Value Car Insurance in 2019 – a record 13th year in a row we've won the award.

We also won Money magazine's Best of the Best 2019 title for Car Insurance; and a Mozo Experts Choice 2018 Exceptional Value Car Insurance award.

To cap it off, the Australian public voted us the Silver Winner in the Car Insurance category of the 2019 Reader's Digest Quality Service Awards survey.

CANSTAR's Outstanding Value Car Insurance Australia 2007-2019
Money Magazine's Cheapest Car Insurance 2019
Money Magazine's Insurer of the Year 2019
MOZO's Experts Choice 2018 - Exceptional Value Car Insurance
Reader's Digest - Quality Service Award 2019 - Silver

More ways to save

Depending on the type of Budget Direct car insurance you choose, there are a number of ways you can reduce your premium even further:

Select the right level of cover

Do you need comprehensive cover for your car, or would third party property insurance be enough?

Buy your policy online

If you get a quote and buy your policy online, you’ll receive a 15% discount on your premium.

Set a driver-age restriction

You could save by restricting your policy to drivers over a certain age: 21+, 25+, 30+, 40+, 50+ – the biggest age range of any major insurer§.

Increase your excess

If you’re comprehensively insured and you increase your Basic Excess, we’ll reduce your premium.

Get a ‘low kilometres’ policy

If you drive 12,000km or less per year, you can take out a ‘low kilometres’ policy, which attracts a lower premium.

Pay your premium annually

By paying annually instead of in instalments (i.e. fortnightly or monthly), you’ll pay a lower premium by avoiding administration fees.

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 to switch

Switching to Budget Direct car insurance from your current insurer is quick and easy:



Compare different insurers' products and get quotes. 



If you get a quote and buy a Budget Direct comprehensive or third party policy online, you'll save 15%.



Once you’re covered by us, contact your previous insurer to decline their renewal offer or cancel your other policy mid-term.

If you cancel mid-term, your previous insurer may refund the unused portion of your premium; however, they may charge you a cancellation fee.

Get a quote online and save 15%^

Get a quote online — it's quick and easy. If you buy online, you’ll receive a 15% discount on your Gold Comprehensive or third party insurance premium.

Types of car insurance

Among other things, the price of your car insurance — your premium — depends on your level of cover; the stronger your cover, the more it costs. We offer four levels of cover:

Comprehensive Insurance

Covers loss or damage to your vehicle due to an accident (regardless of who’s at fault), theft, severe weather, fire, and vandalism. It also covers your liability for accidental damage your vehicle causes to other people’s property (e.g. their car and home).

Read more

Third Party Property Insurance

Covers your liability for accidental damage your vehicle causes 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 your car has limited cover).

Read more

Third Party, Fire and Theft Insurance

Provides the same protection as Third Party Property plus cover for loss or damage to your vehicle if it’s stolen or catches fire – but not if it’s damaged in a crash.

Read more

Compulsory Third Party Insurance

Covers claims made against you for injuring or killing someone in an accident. CTP does not cover damage to your vehicle or other people’s property (e.g. their car and home). 

Read more

Quick car insurance comparison

What’s covered Damage to your car Damage to other people’s property Theft of your car Injuries or death to other people
Comprehensive Yes Yes Yes No
Third Party Property No Yes No No
Third Party, Fire and Theft Yes1 Yes Yes No
Compulsory Third Party No No No Yes

1 Damage to your car caused by fire and/or theft only – not by a crash.

Praise for Budget Direct

“The trick is to keep insurance costs low but get all the necessary features tailored to your needs, with a few bells and whistles. This year’s winner, Budget Direct…does the job.”

2017 Money Magazine Insurer of the Year award citation.

“Budget Direct [has] got the balance right between having a feature-rich comprehensive car insurance policy and ensuring that it is priced competitively, with their average premiums among the top quartile of providers in all states.”

CANSTAR research team, May 2019

^ Online discount only. Terms and conditions apply.
‡ Your car would not be covered while it was being driven by someone under the restricted age.
§ The 50+ age bracket applies only to policies purchased on or after 2 July 2017.

Get a car insurance quote online