Customers rate our Comprehensive Car Insurance claims service

4.2 out of 5 Stars
4.2 out of 5 Stars

4.2 | 5,537 Reviews*

What’s covered by Comprehensive Car Insurance?

Loss or damage to your vehicle

Cost of repairing or replacing your vehicle due to collision or crash, malicious acts, theft, attempted theft, fire, storm, hail, and floods.

New-for-old replacement

If your new car is written off within two years or 40,000km (Gold) or one year or 20,000km (standard) of the original registration (whichever comes first), we’ll replace it with a new one.

Damage to other people’s property

Up to $20 million of legal liability cover for the accidental damage your car causes to other people’s vehicles and other property.

Hire car following a no fault accident or theft

If we agree to pay your claim for a no fault accident or theft of your car, we will provide you with a hire car for up to 14 days.


Reasonable costs of recovery, towing and storage if your car’s stolen or unsafe to drive following an accident.

Personal items

Belongings damaged in a collision or stolen from your car, up to $500 (Gold; theft and damage) or $250 (standard; damage only).

Replacement keys

Replacement of your car keys and/or remote locking device if they’re stolen, up to $1,000.

Caravan and/or trailer

Damage to your trailer and caravan (Gold, up to $1,000) or trailer (standard, up to $500) following a collision (but not their contents).

Emergency costs

Transport for the driver and passengers if your damaged car is undriveable or, if transport is unavailable, temporary accommodation – $100 a day, up to a total of $850 (Gold) or $300 (standard).

Upgrade your Comprehensive cover

For an additional premium, you can customise your comprehensive car insurance by adding one or more of these optional benefits to your policy:

No-claim discount protection

Make one claim per year or two claims in a three-year period without affecting your no-claim discount – even if the accident was your fault.

Accident hire car

Get a hire car for up to 14 days, while your car is being repaired, if it is damaged in an at fault accident. Hire car following a no fault accident or theft are already covered as standard policy benefits.

Reduced window glass excess

Reduce your excess for damage to your vehicle’s window glass, including windscreen, to just $40.

Choice of repairer

If you have a claim with us you can nominate your preferred repairer.

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 contacting us or logging into your online account and editing your policy.

Get a quote

Because we don’t insure unsafe drivers, we can keep our premiums low for safer drivers like you.

Get a comprehensive car insurance quote and buy a policy online and you’ll receive a 15% discount; or call us on 1800 700 027.

Find out more

The information on this page is a summary only. For more details about Budget Direct Comprehensive car insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement (PDS)

How to make a claim

If you need to make a claim, we’re here to help you get back on the road as quickly and smoothly as possible. Make a claim on your Comprehensive car insurance policy.

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.

Budget Direct has also won Money  magazine's Insurer of the Year title the last three years in a row (2017, 2018 and 2019).

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

Here are some ways you can reduce your comprehensive car insurance premium even further:

Driver-age restriction

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

‘Low kilometres’ policy

You can get a lower premium if your car travels less than 12,000km a year.

Higher excess

If you increase your Basic Excess, we’ll reduce your premium.

No-claim discount

For each claim-free year, you’ll receive a no-claim discount (NCD) on your premium (capped at 5+ years).

How can I get these savings?

You can select your driver-age restriction, kilometres travelled and/or Basic Excess when you get a quote and buy a policy or – if you’ve already bought one – by contacting us or logging into your online account and editing your policy.

More reasons to choose us

24/7 claims

Lodge a claim over the phone or online at any time of the day or night, 365 days a year.

Reliable repairs

Get a lifetime guarantee on authorised repairs to your car for as long as you own it.

Change of vehicle

If you replace your Budget Direct-insured car with a similar one, we’ll automatically provide the same level of cover for your replacement car for 14 days from the purchase date – even if you don’t contact us.

Flexible payments

Pay your premium fortnightly, monthly or yearly, the last of which is the most economical.

Roadside Assistance

For just $79.95 a year – less than $1.60 a week – you can take advantage of our 24/7 nationwide Roadside Assistance service. 

It can be purchased with or without a Budget Direct car insurance policy. 

With our Australian network of more than 2,500 contractors, you’re never too far from help.

Frequently asked questions

Do I have to pay an excess if the accident was not my fault?

No – you do not have to pay an excess if you have a no-fault accident with another vehicle.

A no-fault accident is one that meets the following criteria:

  • we decide the driver of another vehicle (or another person) was entirely at fault, and
  • you tell us the at-fault driver’s full name, address, and vehicle registration number.
I use my car for business – can I get cover?

Yes – we’ll cover a car you use for your business or occupation, as long as:

  • you select ‘business use’ when you buy your policy; and
  • it’s not used for any of the following:
    • carrying passengers or other people’s goods for payment
    • driving tuition for payment
    • hiring the car to other people.
Can I transfer my no-claim bonus or driver rating from my current insurer to Budget Direct?

Yes – as long as you supply us with proof of your current no-claim bonus (or no-claim discount, as we call it) or driver rating.

For example, you may have a renewal notice from your current insurer that shows your no-claim bonus or rating.

We’ll factor in the rating when we calculate your premium.

How can I see my policy details?

You can view and manage many of your car insurance policy details – including your contact details, payment preferences, drivers, excesses and optional benefits – through your online account.

(You can also see some of this information on your certificate of insurance.)

I’m selling my car – what do I need to do?

If you’re selling your vehicle and buying another one, you can quickly and easily transfer your Budget Direct car insurance to your new car. Simply follow these steps:

  1. Log into your online account.
  2. View your car policy.
  3. Click or tap on the ‘Change’ button on your dashboard.
  4. Answer some questions about your new vehicle.
  5. Select the policy options you want to add.
  6. View the details of your updated policy, including the new premium.
  7. Pay any additional premium that may be due.

If you don’t intend to replace the car, you can cancel your insurance policy by calling us on 1300 306 560.

^Online discount terms and conditions apply.
*Based on customers who have made a claim on Budget Direct Comprehensive Car Insurance, and who were surveyed between 10 February 2015 and 31 May 2019. Visit for more details.
‡ 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.
# Click here to read Canstar's award report and rating methodology.

Get a comprehensive car insurance quote online