^ Online Discount and Combined Discount Terms and Conditions

Effective for new policies quoted on or after 20 August 2026.

Online Discount

  • An online discount of 15% for the first year applies to the premium for a new policy that is purchased or Quoted Online (Online Discount).
  • ‘Quoted Online’: The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.

  • The Online Discount is available for the following types of policies:

    • Car insurance: Comprehensive, Third Party Property Only, Third Party Property, Fire and Theft
    • Home insurance: Combined Home and Contents, Home Building, Contents
    • Motorcycle insurance: Comprehensive, Third Party Property Only, Third Party Property, Fire and Theft
    • Pet insurance
    • Travel insurance
  • If a customer makes amendments to their policy during the first year requiring a recalculation of the premium payable, the Online Discount may not apply from the date of any such amendments.
  • The Online Discount does not apply to our Roadside Assistance product where that product is purchased in conjunction with car insurance.

Combined Discount

  • A discount of up to 15% for the first year applies to the premium for a new combined Home and Contents policy if purchased in a single transaction (as opposed to purchasing separate policies for each) (Combined Discount).
  • The Combined Discount does not apply if a customer purchases a standalone Home Building only or Contents only policy and later adds the other cover type in a subsequent transaction.
  • If any amendment is made to a combined Home and Contents insurance policy (other than the cancellation of either the Home Building or Contents cover) in the first year, the Combined Discount percentage that will be applied to calculate the amended premium will be the same as the Combined Discount percentage that was applied at policy inception.
  • If either the Home Building or Contents cover is cancelled during the first year, the Combined Discount will no longer apply to the premium on the remaining cover for the balance of the first year.
  • The application of the Combined Discount cannot take the premium for a combined Home and Contents policy below the premium, plus $5, that would apply to the Home Building insurance or Contents insurance policies if purchased separately.
  • A customer purchasing combined Home and Contents insurance can obtain the benefit of both the Online Discount and Combined Discount if the terms and conditions for both those discounts are satisfied.

Conditions

  • Discounts are for the first year of a new policy only. They do not apply on renewal. Existing customers are not eligible for the discounts if they seek to take out a new policy for an item that is already insured with us rather than renewing their existing policy.
  • Discounts only apply to the insurance portion of the premium. They do not apply to government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted.
  • For some of our products there are minimum premiums that apply. Any discount a customer may be eligible for may be reduced if it would have the effect of reducing the final premium to below any applicable minimum premium level.
  • In some cases, rounding processes might mean that the actual discount that is applied is 1c more or less than the exact percentage that is represented.
  • Discounts may be withdrawn or changed, or the terms and conditions on which they apply varied, without notice. Any such withdrawal, change or variation will not impact policyholders who have already purchased their policy.

§ Life Insurance $100 eGift card Terms and Conditions

§Subject to the Terms and Conditions, the Promoter will provide each Eligible Customer with one (1) $100 eGift Card when they obtain a quote for one or more Budget Direct branded life insurance policies (Eligible Policy/Policies) during the Promotion Period and purchase one or more Eligible Policies based on that quote. To qualify, the Eligible Policy or Eligible Policies must have a total annualised premium of at least $400 at the time of issue. Where more than one Eligible Policy is issued under the same quote or application, the combined annualised premium of those policies may be used to meet the $400 threshold.

This offer is limited to one (1) eGift Card per Eligible Customer, regardless of the number of Eligible Policies held. The Promotion commences at 12:01am (AEST) 8 July 2026 and ends at 11:59pm (AEST) 31 December 2026 (Promotion Period).

To qualify, the Eligible Policy or Eligible Policies must be held continuously for 90 days from the date of issue, with premiums equivalent to at least three months’ cover paid in full with no amounts outstanding. The annualised premium must not decrease below $400 during the 90-day period.

Each Eligible Customer will receive an email containing a link to select a retailer and download their digital eGift Card within 60 days of meeting the Eligibility Criteria. This offer cannot be used in conjunction with any other offer.

The Promotion is not open to customers who renew, amend, or cancel and replace an existing policy for the purpose of participating in the Promotion. The Promotion is also not open to officers or directors of NobleOak or Auto & General or any of their Related Entities or Related Bodies Corporate, employees who are directly involved in administering, marketing or approving the Promotion, or immediate family members. See full Terms and Conditions. Promoted by NobleOak Life Limited ABN 85 087 648 708, AFSL 247302. eGift Cards fulfilled by Auto & General Services Pty Ltd ABN 61 003 617 909, AFSL 241 411.

‡ Standalone Roadside Assistance Online Discount Terms and Conditions

  • A 15% discount applies to the first year's membership fee paid for a new Standalone Roadside Assistance membership purchased or Quoted Online (Standalone Roadside Assistance Online Discount).
  • ‘Quoted Online’: The Standalone Roadside Assistance Online Discount is available to customers who obtain a quote online but purchase the membership via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.
  • This offer does not apply to Roadside Assistance that is added to, or purchased in conjunction with, a Car Insurance Policy.
  • The Standalone Roadside Assistance Online Discount offer may be withdrawn or changed, or the terms and conditions on which it is applied varied, without notice. Any such withdrawal, change or variation will not impact members who have already purchased Roadside Assistance.

Which cars have ISOFIX in Australia?

ISOFIX anchor in a car
Anna C Madrigal

Anna C Madrigal

Content Writer

22 October 2026 | See disclaimer

Today, the majority of new cars on the market have ISOFIX but if you are looking at buying a used car, ISOFIX is not a guaranteed feature and fitment can vary based on the car’s specific manufacturing date, series, badge, or even trim level. So how can you identify ISOFIX (International Standards Organisational Fix) anchorage points on your car?

Since Australia came (late) to the ISOFIX party in 2012, manufacturers have gradually included the feature on their cars but even today it is not a mandatory feature for all new vehicles. So what is ISOFIX and does your car have it?

While Europe and the US have used ISOFIX since the early 2000s, ISOFIX legislation in Australia lagged behind the rest of the world with the adoption of the technology only coming under Australian/New Zealand Standards 1754, with manufacturers given the option of when (or if) to incorporate it in new models from late 2012, though ISOFIX specific child car seats were not available to buy in Australia until late-2014.

ISOFIX Australian standards

The ISOFIX symbol on an ISOFIX anchor point inside

ISOFIX is a universal product standard used for safely attaching child safety seats in cars.

In Australia, all ISOFIX-compatible seats must meet the AS/NZS 1754 standards, and be up to date with AS/NZS 1754:2024, the most recent version published on 30 September 2024, as explained by ChildCarSeats. Some of these new changes include new detailed provisions for children with disabilities, ISOFIX weight limit increases and mandating lap-belt positioning devices. While America and Europe have adjacent ISOFIX child seat guidelines, it is illegal to use imported ISOFIX car seats in Australia.

How do I know my car is ISOFIX compatible?

There are a number of ways you can check ISOFIX compatibility in your car:

  1. Check your car manual: Your user manual should specify whether the vehicle has ISOFIX fittings.

  2. Find the ISOFIX symbol: Look for the ISOFIX symbol on your back seats. Different manufactures approach the aesthetics of concealing (or not) the small metal bar which is the ISOFIX anchor point, so if you don’t immediately see the symbol, it might be hidden behind a plastic cap or cloth flap.

  3. Search for the anchor points: Look for the anchorage points (a small round bar mounted horizontally) usually found at the base of the back seat where the seat back and the lower cushion meet.

  4. Contact your car manufacturer: Transport Victoria recommends contacting your car manufacturer or car dealer to ask if an ISOFIX car seat will be compatible with your vehicle.

What are the benefits of ISOFIX?

There are several benefits associated with ISOFIX seats:

  • Consumer Choice: The rigid bottom connectors and top tether strap allow for less movement. While ChildCarSeats emphasises that ISOFIX seats are just as safe as traditional child car seats which use adult seat belts in the installation, they provide parents with greater choice on the kinds of seats they can use for their child.

  • Easier to install: ISOFIX uses a click-in and click-out system, making it easier to correctly install and adjust your children’s car seats and switch the child seat between different vehicles.

  • Reduced installation errors: The ISOFIX connectors attach directly to anchor points in your car, meaning there’s less room for error during installation. Lower installation errors means a higher likelihood of your child being adequately protected in the event of a collision.

Why road safety matters the most

Keep your kids safe on the road with an ISOFIX-compatible car seat. Here’s how you can choose, install and adjust your children’s car seats.

Safety information for child car seats

All child safety seats sold in Australia must follow the standards set out in AS/NZS 1754.

All national child car seat laws and regulations must be followed in all states and territories across Australia

Top tether strap

Top tether straps are mandatory Australian Design Rule items for child car seats including ISOFIX compatible child car seats.

A top tether strap stops the car seat from rolling forward in a crash, separate from ISOFIX low anchorages or vehicle seatbelts, as explained by ChildCarSeats.

ISOFIX low anchor points

Low ISOFIX anchor points and a seatbelt sit inside a modern car

The lower anchor points in a vehicle’s ISOFIX system are designed to connect to the child seat’s lower attachment points. These connectors can be either rigid or flexible, depending on the model of the ISOFIX car seat, according to ChildCarSeats.

Child car seats are integral to ensuring your child’s safety, but can cost hundreds to buy and replace. That’s why Budget Direct customers under our Gold Comprehensive can get their child seats replaced for up to $500 in the event it is lost or damaged after a car collision, theft, or forced entry. Get an online Comprehensive Insurance quote today and save 15%^ off your first year’s premium.

See More Road Safety Guides

Disclaimer

This information is general in nature only. While Auto & General Services Pty Ltd, ABN 61 003 617 909, AFSL 241411 (AGS) trading as Budget Direct has endeavoured to ensure the information we've relied on is accurate and current (at the date of publication), AGS does not guarantee it. Information has been prepared in reliance of the information outlined in the references. AGS accepts no liability for this information.

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