What is Comprehensive Car Insurance?
Comprehensive car insurance covers the cost of repairing or replacing your vehicle if it’s stolen or damaged by collision, bad weather, fire, attempted theft and malicious damage.
It also provides up to $20 million of legal liability cover in case you accidentally damage someone else’s property, including their car or home.
Standard benefits include a hire car following theft, replacement keys or remotes, and emergency travel and accommodation expenses; you can also add optional extras to your cover, including no claim discount protection.
Our Comprehensive Car Insurance gives you our highest level of protection and entitles you to our maximum benefit limits:
|Comprehensive Car Insurance covers
|Cost of repairing or replacing your vehicle following an accident, regardless of who’s at fault
|Accidental damage you cause to other people’s property, including their car and home (legal liability cover)
||up to $20 million per incident
|Damage to your car as a result of storms, floods, hail, attempted theft or a malicious act
|Loss of or damage to your vehicle due to fire or theft
|* New-for-old replacement if your car is written off within the earlier of the first two years or 40,000km #
|** Reimbursement of your hire-car costs following the theft of your vehicle
||up to 14 days or $1,000
|Damage to your trailer (but not its contents)
||up to $1000
|Replacement of your keys and/or remote locking device if they are stolen
||up to $1,000
|Emergency transport home or, if there’s none available, temporary accommodation
||$100 per day, up to $850
|Damage to personal effects in the car at the time of the collision
||up to $500
|Damage to child seats or capsules in the car at the time of the collision
||up to $500
|Reasonable cost of recovery, towing and storage if your car’s unsafe to drive
Upgrade your cover
You can customise your comprehensive car insurance by adding these optional extras to your cover when you get a quote:
No claim discount protection
Make one at-fault accident claim in one year without affecting your no claim discount (NCD). If ‘Rating 1 for Life’ is shown on your insurance certificate, you can keep your maximum discount for life, as long as you continue to take out NCD protection.
Hire car following an accident
Get your hire-car costs reimbursed not only if your car is stolen (a standard benefit), but also if your vehicle is damaged in an accident, up to 14 days or $1,000.
Windscreen Excess Reduction
Choose to reduce your windscreen excess by varying your premium.
We also offer Roadside Assistance, either as an optional add-on to your car insurance policy, or as a standalone service. Find out more about Budget Direct Roadside Assistance here.
Find out more
The information on this page is a summary only. For more details about Budget Direct’s comprehensive car insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement.
Get a quote
Because we don’t insure unsafe drivers – like Captain Risky – we can keep our car insurance premiums low for safer drivers.
Get a car insurance quote online or call us on 1800 700 027.
Get a Quote
If you buy Comprehensive Car Insurance online, you’ll receive a 15% discount on your annual premium.
More ways to save
You can select one or more of the following options to reduce your comprehensive car insurance premium even further:
Low kilometres policy
If your car travels less than a certain number of kilometres per year, you can get a lower premium by taking out a ‘low kilometres policy’.
If you have a good claims history, you may wish to reduce your premium by increasing your Basic Excess.
Restricted driver age
By restricting your policy to drivers of a certain age or older (21+, 25+, 30+, 40+ or 50+)+, you can get a lower premium. (Your car would not be covered while it was being driven by someone under the restricted age.)
How to Make a Claim
If your car’s been damaged or stolen and you need to make an insurance claim, we’re here to help get you back on the road as quickly and smoothly as possible.
Make a claim on your comprehensive car insurance policy
Frequently asked questions
What’s the difference between Third Party and Comprehensive Car Insurance?
Third Party Car Insurance covers the costs for damages to other people’s vehicles or property, but not your own car, if you have an at fault accident. Third Party Fire & Theft adds cover for damage to your car if it is stolen or catches fire, but also doesn’t cover damage to your car in an accident.
Comprehensive Car Insurance offers similar cover for third parties, but also covers the costs to repair or replace your own car if it is damaged or written off in an accident where you’re at fault.
To help you decide if a comprehensive policy is the best car insurance option for you, we’ve created a third party and comprehensive car insurance comparison table.
How much can I insure my car for?
With Budget Direct, you have the option of insuring your car for its market value or an agreed value.
Which drivers need to 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, however an additional excess of $600 applies.
See all car insurance FAQs
Other types of cover
As well as comprehensive car insurance, Budget Direct provides:
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+Optional Driver Age Restriction range as at 2 July 2017. Full age range options only available for new policies initiated on or after this date.
#The earlier of 2 years or 40,000 kilometres from original registration in your name. Conditions apply, please see PDS for full details.
° Based on Budget Direct customers surveyed since February 10th 2015, see www.budgetdirectreviews.com.au for details.
°° Based on customers who have made a claim on Budget Direct Comprehensive Car Insurance, surveyed between February 10th 2015 and May 31st 2017. See www.budgetdirectreviews.com.au for details.