Money magazine's Insurer of the Year (6 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 Outstanding Value Car Insurance Award for the Northern Territory in 2022. And, why we're the only insurer to have won their National Outstanding Value Car Insurance Award for a record 17 years in a row (2007-23).

View Canstar's award winners and ratings methodology

CANSTAR's Outstanding Value Car Insurance Australia 2007–2023
Finder Awards 2022 Winner, Car Insurance — Value

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

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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

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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:

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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.

Frequently asked questions

How can I get cheaper car insurance?

By not insuring unsafe drivers, we can keep our car insurance premiums low for safer drivers.

Depending on the type of car insurance you choose, there are a number of ways you can reduce your premium even further, namely:

  • Select the right level of cover. Do you need comprehensive cover for your car, or would third party property insurance be enough?
  • Set a driver-age restriction. You can get a lower premium by restricting your policy to drivers over a certain age (21+, 25+, 30+, 40+, 50+).
  • Increase your excess. If you’re comprehensively insured and you increase your Basic Excess, your premium may be reduced.
  • Maintain a good driving record. For each claim-free year, you’ll receive a No Claim Discount (NCD) on your premium; the NCD is capped at 5+ years, at which point we’ll give you a Rating 1.
What does car insurance cover?

The things your car insurance covers depends on the type of cover you have; in Australia, there are three broad types of car insurance:

  • Comprehensive Car Insurance, which covers loss or damage to your car, as well as your liability for the damage it causes to other people’s property, including their vehicles. Read more
  • Third Party Property Only Car Insurance, which generally only covers your liability for the damage your car causes to other people’s property, including their vehicles. Read more
  • Compulsory Third Party (CTP) Insurance, which covers compensation claims made against you for injuring or killing someone in an accident.
Can I choose my own repairer?

You can nominate your preferred repairer as long as your policy includes the ‘choice of repairer’ policy option.

If you nominate your preferred repairer, and they are not a repairer from our repair network, we’ll ask you to provide us with the repairer’s quotation for the repairs so we can determine whether:

  • the quotation is competitive, and
  • the proposed repair method is satisfactory.

If either of these criteria is not met, we may decide not to authorise the repairs, and instead offer you the option of:

  • having your car repaired by an alternative repairer chosen by us, or
  • paying you the reasonable cost to satisfactorily repair your car.

If the car is unsafe to drive, we will pay the cost to tow the car to your preferred repairer up to a maximum of 100 kilometres.

Note that, if we authorise your nominated repairer to undertake the repairs, we’ll guarantee the quality of the repairs but not the time it takes to complete them.

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*Based on customers who have made a claim on Budget Direct Car Insurance, and who were surveyed between 10 February 2015 and 31 August 2023. Visit www.budgetdirectreviews.com.au for more details.

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