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.
Get a QuoteInsuring your car with Budget Direct's Low Kilometres Car Insurance is quick and easy:
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.
Get a QuoteMake the switch to our Gold Low Kilometres Comprehensive policy.
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 the same cover for less.
Get a Car Insurance quote online and you'll receive a 15% discount on your first year's premium.
Get a Quote
If you choose Budget Direct Car Insurance, we'll make sure you and your car are protected with our range of benefits including:
Lodge a claim online or over the phone at any time day or night, 365 days a year.
Get a lifetime guarantee on authorised repairs to your car for as long as you own it.
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.
Pay your premium fortnightly, monthly or yearly, the last of which is the most economical.
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 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.
After comparing over 65,000 quotes, comparing 51 Comprehensive Policies offered by 43 insurance providers, across 42 Consumer profiles, Canstar proclaimed Budget Direct winners of the National Outstanding Value Car Insurance Award for 2025. In the process, Budget Direct became the only brand in any category to win a Canstar National Outstanding Value Award 19 years in a row. We have also won Canstar's Insurer of the Year award 5 years running (2022-2026).
We also won Money magazine's Best of the Best 2026 award for Best-Value Car Insurance 8 years in a row (2019-26); Finder's Insurer of the Year 2026 award, and WeMoney's Best for Value Car Insurance award for 2025.
If you need to make a claim, we’re here to help you get back on the road as quickly and smoothly as possible.
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.
Make a ClaimBudget Direct customers can make a claim, view and edit their Car Insurance policies, and buy more insurance online.
Login to Policy ManagerThe 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).
Product Disclosure StatementIf 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.