Money magazine's Insurer of the Year (5 years in a row) is proud to now offer Territorians award-winning car insurance.

Whether you live in Darwin, Tennant Creek, or Alice Springs, or anywhere in between, we’ve got a wide range of car insurance for you to choose from.

Switch and save

Compared to their previous insurers’ premiums, customers across Australia who switched to Budget Direct Comprehensive Car Insurance told us they saved an average of $223.

†See what this figure is based on

It helps explain why Canstar has awarded us their national Outstanding Value Car Insurance award for a record 15 years in a row, from 2007 to 2021.

View Canstar's award winners and ratings methodology

CANSTAR's Outstanding Value Car Insurance Australia 2007–2021

Choose your cover

With Budget Direct, you can select one of three types of car insurance:

Comprehensive Car Insurance

Covers loss or damage to your vehicle due to an accident, theft, severe weather, malicious damage, and fire; and your liability for accidental damage your car causes to other people’s property.

Read more about Comprehensive Car Insurance


Third Party Property Only Insurance

Covers your liability for accidental damage your car causes to other people’s property, including their vehicles.

Read more about Third Party Property Only Insurance


Third Party Property, Fire and Theft Insurance

Provides the same cover as Third Party Property Only, with extra protection against loss or damage to your vehicle due to fire and theft.

Read more about Third Party Property, Fire and Theft Insurance

Highly rated claims

Based on reviews collected by Bazaarvoice, an independent ratings provider, our customers scored our car insurance claims service:


Assessments and repairs

If your damaged vehicle is driveable, we’ll ask you to take it to one of the following to be assessed and fixed:

  • one of our network repairers
  • a local repairer (if there isn’t a network repairer near you).

If your damaged car is not driveable, call us on 1300 885 996 and we’ll arrange for it to be towed.

After assessing your vehicle’s damage and authorising the repairs, we can appoint a repairer and manage the whole repair process on your behalf.

Our repairs are guaranteed for as long as you own the car.

Alternatively, you may be able to nominate your preferred repairer.

Roadside Assistance

For $89.95 a year — about $1.75 a week — you can take advantage of our 24/7, nationwide Roadside Assistance service.

Whether your car conks out in Darwin or Palmerston, our NT network of roadside contractors means you’re never too far from help.

Compulsory Third Party (CTP) insurance

All vehicles in Australia must have CTP cover before they can be registered and legally driven on the road; Territorians pay for this cover as part of their vehicle registration fee.

In the Northern Territory, CTP insurance is administered by the Motor Accidents Compensation Commission (MACC).

For more information, visit the MACC website.

*Based on customers who have made a claim on Budget Direct Car Insurance, and who were surveyed between 10 February 2015 and 31 May 2019. Visit for more details.

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