get more with Budget Direct Car Insurance

Age discount

Restrict the age of the drivers on your policy to 21+, 25+, 30+, 40+, or 50+§; the older the drivers, the lower your premium.

Highly rated claims

A 4.3 out of 5 stars claims service, based on more than 3,000 customer reviews collected by Bazaarvoice, a leading independent ratings provider.

Lifetime guarantee

Get a lifetime guarantee on authorised repairs for as long as you own the car.

No-claim discount

For every year you go without making a claim, we’ll reduce your premium (capped at 5 years).

Compare our prices

As a senior, your driving skills have been honed over many years and you tend to take less risks behind the wheel than young drivers do.

It’s because we insure relatively safe drivers like you – as opposed to daredevils like Captain Risky – that we can keep our premiums low.

Compared to their previous insurers' premiums, customers across Australia who switched to Budget Direct told us they saved an average of

$###

Use our Comparitron™ tool to compare car insurance savings against other insurers.

Choose your cover

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

Comprehensive Car Insurance

Comprehensive Car Insurance

Covers loss or damage to your vehicle due to an accident – regardless of who’s at fault – severe weather, fire, malicious damage, and theft; and your liability for damage your car causes to other people’s property.
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Third Party Property Insurance,,

Third Party Property Insurance

Covers your liability for damage your car causes to other people’s property, including their vehicle and home.
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Third Party, Fire and Theft Insurance,,,Third Party, Fire and Theft Insurance,,

Third Party, Fire and Theft Insurance

Provides the same cover as Third Party Property Insurance, with extra protection against loss or damage to your vehicle due to fire and theft.
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Award-winning Australian car insurance

After comparing the cost and features of over 60 comprehensive policies offered by more than 50 insurance providers, Canstar awarded us one of two national awards for Outstanding Value Car Insurance in 2017 – a record 11th year in a row we've won the award.

We also won Mozo's 2017 Experts Choice Award (Exceptional Value) for comprehensive car insurance.

CANSTAR's Outstanding Value Car Insurance 2017
MOZO's Experts Choice 2017 - Exceptional Value Car Insurance

“Budget Direct’s consistent winning position is driven by the fact that it is truly an insurer for all Australian motorists, with competitive pricing for everyone from young drivers to families with L-platers to senior drivers.”

– CANSTAR research team, June 2017

More ways to save

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

Select the right level of cover

Do you need comprehensive cover for your car, or would third party insurance be enough?

Buy your policy online

If you get a quote and buy a Gold Comprehensive or third party insurance policy online, you’ll receive a 15% discount on your premium.

Increase your excess

If you’re comprehensively insured and you increase your Basic Excess, we’ll reduce your premium.

Pay your premium annually

By paying annually instead of in instalments (i.e. fortnightly or monthly), you’ll pay a lower premium and avoid administration fees.

Speak with a real person

While all of our customers can manage their policies online if they wish, we know a lot of people, including seniors, prefer talking to someone.

The good news is you can call us on 1300 139 591 (claims) or 1300 306 560 (customer service) at any time – 24 hours a day, 365 days a year.

Rest assured you’ll be in good hands: At the 2017 Auscontact Association awards, our Queensland call centres, who service our customers nationwide, won three titles, including Best Centre Team.

Auscontact Association awards Best Centre Team 2017

Licensing of older drivers

There’s obviously no point in having car insurance unless you’re licensed to drive. So what are the rules and regulations surrounding older drivers in your state or territory?

Drivers 75 years or older
Are required each year to get a doctor to certify they’re fit to drive Are encouraged to self-assess their driving ability and, if necessary, have a medical check-up to confirm they’re fit to drive

Australian Capital Territory

New South Wales

Queensland

Western Australia (80 years or older)

South Australia

Tasmania

Victoria

In addition:

  • In NSW, drivers 85 or older who wish to keep their unrestricted licence are required to pass a practical driving test every two years; or else they can take out a modified licence.
  • In WA, drivers 85 or older must pass a practical driving test if a health professional recommends one.

Note: This information was current on 20 December 2017.

Get a quote online and save 15%

If you get a quote and buy online, you’ll receive a 15% discount on your Gold Comprehensive or third party car insurance premium.

Frequently asked questions

Can I transfer my no-claim bonus or driver rating from my current insurer to Budget Direct?

Yes – as long as you supply us with proof of your current no-claim bonus (or no-claim discount, as we call it) or driver rating.

For example, you may have a renewal notice from your current insurer that shows your no-claim bonus or rating.

We’ll factor in the rating when we calculate your premium.

How much can I insure my car for?

With Budget Direct, you can insure your car for its market value or, in some cases, for an agreed value.

Market value is the reasonable cost to replace your vehicle with one of the same make, model, age, mileage and overall condition.

To get an idea of what your car may be worth, search for it in the Red Book or on car sales websites.

Please note that the prices provided by these sites are only meant to be a guide. Your car's market value will be determined by us at the time of the loss or damage.

Agreed value is the amount we agree to insure your car for. We may offer you an agreed value, provided:

  • your car is less than 10 years old; and
  • your vehicle has not been converted to LPG; and
  • the agreed value is within an acceptable range of the market value.

The value for which your car is covered is shown on your insurance certificate and in your online account.

Will I need to get a cover note?

Budget Direct doesn’t issue cover notes, which are temporary documents insurers historically provided to cover policyholders until they received their formal insurance documents.

Instead, when you buy a policy from us, we’ll give you a policy number – confirmation your car is covered.

Are caravans covered?

Gold Comprehensive Car Insurance includes cover for your caravan if it’s damaged in a collision while being towed by your Budget Direct-insured car, up to $1,000. Please note that your caravan’s contents are not covered.

Is my vehicle covered for off-road driving?

Yes – as long as all reasonable steps are taken to prevent any loss or damage, and the vehicle’s not being used for racing, trials, tests, contests or rallies.

Useful links

^ Online discount applies to new policies only. Terms and conditions apply.
† Figure represents average saving based on data provided to us by new customers who switched online to Budget Direct’s comprehensive car insurance between 1 September 2016 and 28 February 2017. Individual circumstances and policy terms may vary. Please compare for yourself.
‡ Your car would not be covered while it was being driven by someone under the restricted age.
§ The 50+ age bracket applies only to policies purchased on or after 2 July 2017.

Get a car insurance quote online