^ Online Discounts Terms & Conditions

  1. Discounts apply to the premium paid for a new Budget Direct Home & Contents, Home only, Contents only, Comprehensive, Third Party Property Only or Third Party Property, Fire & Theft Car Insurance policy, initiated online on or after 29 March 2017, and for a new Budget Direct Comprehensive, Third Party Property, Fire & Theft & Third Party Property only Motorcycle Insurance policy, initiated online on or after 4 June 2020 and for a new Pet Insurance policy, initiated online on or after 18 February 2021. This online discount does not apply to Roadside Assistance that is added to a Budget Direct Car Insurance policy.
  2. The new policy discount amount varies by product: 30% discount on combined Home & Contents Insurance (consisting of 15% discount for combining Home & Contents covers and 15% discount for policies initiated online), 15% for Home only or Contents only policies, 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car or Motorcycle Insurance and 15% discount on Pet Insurance.
  3. A 15% discount applies to the premium paid for a new Budget Direct Travel Insurance policy initiated and purchased online on or after 22 February 2023.
  4. Discounts do not apply to any renewal offer of insurance.
  5. Discounts only apply to the insurance portion of the premium. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted.
  6. We reserve the right to change the offer without notice.

§ 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, 15% Online Discount Offer Terms & Conditions

  1. The 15% discount applies to the first year's membership fee paid for a new Budget Direct Standalone Roadside Assistance membership purchased online only, using the promotional code SOLVED15.
  2. This offer does not apply to Roadside Assistance that is added to a Budget Direct Car Insurance Policy.
  3. Offer is valid from 1 July 2021 and cannot be used in conjunction with any other offer.
  4. The 15% online discount does not apply to any renewal offer of membership.
  5. We reserve the right to change the offer without notice.

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.

Get a Quote

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:

1. 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.

Get a Quote

2. Make the switch

Make the switch to our Gold Low Kilometres Comprehensive policy.

3. 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.

4. 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.

Get a Quote

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:

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.

Higher Excess

By increasing your Basic Excess, you may be able to reduce your premium.

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

We've 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 2026. Plus, we have won the coveted Money magazine Insurer of the Year title ten years running (2017-2026), and Canstar's Insurer of the Year the past 5 years (2022-2026).

Money Magazine - Insurer of the Year
Money magazine - Best-Value Car Insurance
Canstar's Insurer of the Year 2026
WeMoney - Best for Value Car Insurance
Finder Insurer of the Year 2026

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.

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.

Make a Claim

Manage Your Car Insurance Policy Online

Budget Direct customers can make a claim, view and edit their Car Insurance policies, and buy more insurance online.

Login to Policy Manager

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).

Product Disclosure Statement

Low Km Car Insurance FAQs

What happens if I drive more than my agreed kilometres per year?

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.

Can I increase my agreed kilometres per year?

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.

Can I reduce my agreed kilometres per year if I'm driving less?

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.

Can I switch to a regular comprehensive car insurance policy at any time?

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.

See All Car Insurance FAQs