Comprehensive Car Insurance
Highly Recommended


of our customers


Budget Direct to a friend°

Highly Recommended

Based on actual reviews, 94% of Budget Direct Customers recommend us to a friend°.These reviews have been provided by customers who've made a claim or bought a Car or Home & Contents insurance policy from Budget Direct. See what our customers have to say

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 recordbreaking 10 years in a row – the only brand in any category to win a CANSTAR award 10 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 claims service 4.3 out of 5 Stars 4.3 | 2,463 Reviews°°

What is Comprehensive Car Insurance?

Comprehensive Car Insurance covers the cost of repairing damage to not only your car, but also the other vehicles when you’re deemed to be at fault. Compare our comprehensive car insurance and get a quick online quote today to see how much you could save.

Standard Benefits on our Comprehensive Policy

If this happens We will
You write off your car in the first 2 years/40,000 kms  Replace it with a new one
You need emergency transport and/or overnight accommodation Give you $100 a day (up to $850 in total)
Your car is stolen Give you a hire car to drive (up to $1,000/14 days)
Any personal effects in your car are damaged or stolen when your car is stolen Repair/replace them (up to $500)
Your trailer or caravan is damaged in a collision Pay for the damage  (up to $1,000)
The third party is identified and at fault Waive the excess fee and preserve your No Claim Discount
The child seats/capsules in your car are damaged or stolen Replace them (up to $500)
There’s debris on the road from the collision Pay to have it removed (up to $500)
Your car’s keys or remote locking device are stolen and not recovered Pay up to $1,000 to replace your keys and re-code the locks (after you've reported the theft to police)

Is a comprehensive policy the best car insurance option for you? To help you decide we've created a third party and comprehensive car insurance comparison table.

Optional Benefits

As well as our standard policy benefits, we also offer smart policy options so you can tailor your comprehensive car insurance policy to suit your needs and your budget.

Restricted driver discounts

No-one under 25 driving your car? Let us know and we can give you a lower premium. You can restrict the youngest driver age to 21, 25, 30 or even 40.

Maximum No Claim Discount (NCD) Protection

This lets you make one claim a year (or two claims in three years) without affecting your Maximum No Claim Discount (a.k.a. Rating 1).

Roadside Assistance

If you don’t want a breakdown, flat tyre, flat battery or anything else leaving you stranded, our Roadside Assistance may be just what you need.

Agreed Value or Market Value

You can insure your car for either its current market value or another value we agree on.

Windscreen Excess reduction

Choose to reduce your windscreen excess by varying your premium.

Accident Hire Car Benefit

We know how important it is to have a set of wheels. So we can arrange to make a hire car available while yours is being repaired.

Variable excess to reduce premium

If you’re pretty sure you won’t be in an accident you can raise your excess, which will lower your premium.

Low prices for good drivers

Hey, you’re a good driver. So why should you have to pay higher premiums to subsidise those “higher-risk” drivers? We don’t think it’s fair. So we filter out those high-risk drivers who’d push your premiums up, and simply don’t insure them. The result? Lower premiums for you. Just as it should be.

How does Budget Direct compare to other insurers?

Just how low are our prices? Use the Budget Direct Comparitron™ to see how much our customers told us they saved when switching from other car insurance companies to us. In two minutes you can also get a comprehensive car insurance quote online and see for yourself what our prices look like. And if you're thinking that cheap car insurance can't also be the best insurance, then take a look at our past and recent awards or browse through our reviews page to see what others think - and form your own opinion.

Flexible options to suit your needs and your budget

You chose the car that’s perfect for you. So why not choose the car insurance that’s just as perfect? Our flexible options let you tailor your insurance to suit both your needs and your budget including optional benefits and a range of payment options including Direct Debit, Credit Card and PayPal.

Product Disclosure Statement

To find out exactly what’s covered and what your options are, check out the Product Disclosure Statement.

° 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 February 28th 2017. See for details.