Comprehensive Car Insurance
Insurer of the Year

Money magazine’s Insurer of the Year 2017

Budget Direct has won Money magazine's Insurer of the Year award again in 2017 (we also won this prestigious award in 2015 & 2010). We are delighted with this win demonstrating that our customers really do get more with Budget Direct.

Cheaper Prices
By switching to Budget Direct our Car Insurance Customers told us on average they saved
See what this figure is based on

We’ve been awarded the CANSTAR Outstanding Value Car Insurance award for a record-breaking 11 years in a row – the only brand in any category to win a CANSTAR award 11 years running. Find out more about this award and other awards we’ve won.

Hail Hero

Hail Hero

Our very own hailstorm tracker will send you a text message if there’s hail heading your way, ideally giving you at least ten minutes to get your car under cover. That means fewer repair bills for us, and lower premiums and less hassle for you. Learn more about Hail Hero

More Reasons

More Reasons We're Simply Smarter

At Budget Direct we work tirelessly to improve the way we provide insurance to our customers. We've combined more than 30 years of innovation from our group around the world with 14 years of homegrown Australian excellence to offer you Simply Smarter Insurance. Here’s an extended list of our simply smarter innovations.

Customers rate our Comprehensive Car Insurance claims service 4.3 out of 5 Stars 4.3 | 2,759 Reviews°°

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.

What’s covered

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 Yes
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 Yes
Loss of or damage to your vehicle due to fire or theft Yes
* New-for-old replacement if your car is written off within the earlier of the first two years or 40,000km # Yes
** 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 Yes

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.

Roadside Assistance

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’.

Higher excess

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:

Get a Quote

+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 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 for details.