Customers rate our Comprehensive Car Insurance claims service

4.2 out of 5 Stars
4.2 out of 5 Stars

4.2 | 4,934 Reviews*

What’s covered?

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 damage your car causes to other people’s vehicles and other property.

Hire car following theft

If your vehicle is stolen, we’ll supply you with a hire car similar to yours, up to $1,000, 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 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.

Hire car following an accident

Get a hire car not only if your vehicle is stolen (a standard benefit), but also if it’s damaged in an accident – up to $1,000, up to 14 days.

Reduced window glass excess

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

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 calling us on 1300 306 560 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 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 over 60 comprehensive policies offered by more than 50 insurers, Canstar selected us the National award winner for Outstanding Value Car Insurance in 2018 — a record 12th 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 2007-2018
Money Magazine's Cheapest Car Insurance 2019
Money Magazine's Insurer of the Year 2018
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 calling us on 1300 306 560 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 fortnighly, 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 – as long as:

  • we decide the driver of another vehicle was entirely at fault, and
  • you tell us the at-fault driver’s full name, address, and vehicle registration, and
  • the amount of your claim is more than your Basic Excess.
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 December 2018. 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.

Get a comprehensive car insurance quote online