What is a low kilometres car insurance policy?
If you drive less, why not pay less on your car insurance?
With our Low Kilometres Comprehensive Car Insurance policy, you can save on your premium simply for driving less than 10,000 km per year.
Make the switch and you'll get the same comprehensive cover for a cheaper premium if you drive no more than the agreed number of kilometres during your policy period.
How to Get a Low Kilometre Comprehensive Car Insurance Policy
Insuring your car with Budget Direct's Low Kilometres Car Insurance is quick and easy:
Get a quote
Get a quote for a Comprehensive Car Insurance policy with Budget Direct and let us know if you drive less than 10,000 km per year.
Make the switch
Make the switch to our Gold Low Kilometres Comprehensive policy.
Tell us your odometer reading
Tell us your start odometer reading within 21 days of your policy's start date and an updated reading within 21 days each time your policy renews as well as each time you make a claim.
Get cover for less
Get the same cover for less.
Get a Quote Online and Save 15%^
Get a Car Insurance quote online and you'll receive a 15% discount on your first year's premium.
Why Choose Budget Direct Car Insurance?
If you choose Budget Direct Car Insurance, we'll make sure you and your car are protected with our range of benefits including:
24/7 Claims
Lodge a claim online or over the phone at any time day or night, 365 days a year.
Lifetime Repair Guarantee
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.
More Ways to Save on Comprehensive Car Insurance
Here are some ways you can reduce your Car Insurance premium even further:
You can restrict your policy to drivers over a certain age: 21+, 25+, 30+, 40+, 50+ — the biggest age range of any major insurer.
By increasing your Basic Excess, you may be able to reduce your premium.
You will receive a No Claim Discount (NCD) on your premium for each year you don't make an at fault claim (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.
Award-Winning Australian Car Insurance
After comparing over 54,000 quotes, comparing 51 Comprehensive Policies offered by 42 insurance providers, across 42 Consumer profiles, Canstar proclaimed Budget Direct winners of the National Outstanding Value Car Insurance Award for 2024. In the process, Budget Direct became the only brand in any category to win a Canstar National Outstanding Value Award 18 years in a row.
We also won Money magazine's Best of the Best 2024 winner for Best-Value Car Insurance 6 years in a row (2019-24); Mozo Experts Choice 2023 award for Exceptional Value Car Insurance; and Finder's 2024 Best Car Insurance - Value award.
If you need to make a claim, we’re here to help you get back on the road as quickly and smoothly as possible.
24/7 Claims
With Budget Direct, you can conveniently make a claim online or over the phone at any time of the day or night, 365 days a year.
Budget Direct customers can make a claim, view and edit their Car Insurance policies, and buy more insurance online.
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).
Low Km Car Insurance FAQs
If you drive more than your agreed kilometres per year, an additional excess will apply.
You may also have to pay an additional excess if you don't give us an odometer reading within 21 days, or if you provide us with an invalid odometer reading that is either higher or lower than the actual reading at the time.
Yes, you can increase your agreed kilometres per year. If you think you're going to exceed your agreed kilometres limit, you'll need to contact us to update your policy.
Increasing your kilometres per year might result in an additional car insurance premium being applied, or you may no longer be eligible for a Low Kilometre Policy.
If you're driving less than the agreed kilometres per year, you can reduce your limit when you renew your policy. You'll need to contact our team to update your policy.
If your driving habits change you can contact our team to switch to a regular comprehensive car insurance policy or explore our other car insurance options at any time.
Switching car insurance policies may result in an additional premium being applied.
