Comprehensive Car Insurance

Lifetime Repair Guarantee

You get a lifetime guarantee on authorised repairs to your car as long as you own it. When repairing, we will return the car to the condition it was in before it received damage.

New Car Replacement

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

Damage to Other People’s Property

You are covered for up to $20 million of legal liability cover for any accidental damage your car causes to someone else’s car and property.

Hire Car Following a No Fault Accident or Theft

If we accept your claim for the theft of your car or an accident where someone else is entirely at fault and they can be identified, you'll be eligible for a hire car.

Towing Your Car

We will pay the cost of recovery, towing, and storing your car at the closest repairer or recommended storage facility if your car is stolen or unsafe to drive following an accident.

Your Personal Effects

We will pay up to $500 for loss or damage to your personal items that were in the car at the time of a collision, theft or forced entry into the car (for example, a carjacking).

Emergency Transport and Accommodation Costs

If your car is damaged, we will pay to transport the driver and passengers to where the car is normally kept. If there isn't any transport available, we will pay for the cost of temporary accommodation for $200 per day and up to $1,000 in total.

Damaged Child Seats or Baby Capsules

We will pay up to $500 for loss or damage to child seats or capsules that were in your car at the time of a collision, theft or forced entry into the car.

Damage to Caravan or Trailer in Collision

We will cover the damage to your caravan or trailer in a collision while it is being towed by your car, excluding contents of the trailer or caravan.

Replacement Keys

If your keys or remote locking devices are stolen, and not recovered, we will pay to replace them and recode the locks.

Loss or Accidental Damage to Your Car

This includes storm, flood, hail, fire, collision and attempted theft or a malicious act.

Damage Caused by Uninsured Vehicle

If your car is involved in an accident with an uninsured vehicle, the policy covers loss or damage to the car up to its insured value.

Accident Hire Car

If we’ve accepted a claim for an at fault accident, we’ll cover a hire car for up to 21 days while your car’s being repaired.

Reduced Window Glass Excess

Reduce the amount you pay for damage to your vehicle’s window glass, including its windscreen and rear and side windows, to just $40.

Note that you can reduce your window glass excess only within 21 days of buying your policy, renewing it, or transferring it to a replacement vehicle.

Choice of Repairer

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

Roadside Assistance

For just $89.95 a year you can take advantage of our 24/7 nationwide Roadside Assistance service.

With our Australian network of more than 2,700 contractors, you’re never too far from help.

Get Roadside Assistance

‘Low Kilometres’ Policy

If you drive 10,000 km or less per year, you can take out a Gold Low Kilometres Comprehensive policy, which attracts a lower cover cost.

Driver Age Restriction‡

With five age ranges to choose from during the quote process, there’s no need to worry about inexperienced drivers; and you can cut down your premium!

Higher Excess

By increasing your out-of-pocket amount when claiming, you may be able to reduce your premium.

Flexible Payments

Pay your premium fortnightly, monthly or yearly, the last of which is the lowest price.

Manage Your Policy Online

As a Budget Direct customer you can make a view and edit your policies, make a claim, and buy more insurance online.

Log into Policy Manager

24/7 Claims

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

Make a Claim