Budget Direct Third Party Car Insurance, not to be confused with compulsory third party insurance (CTP), has two levels of cover - Third Party Property Only and Third Party Property, Fire and Theft.
You will receive liability cover (including legal costs) up to $20 million for damage your car causes to other people's property.
If you are involved in a no-fault accident with an uninsured driver, we'll cover any loss or damage to your car up to a maximum of $5,000 (including recovery, towing and storage costs).
What’s Covered By Third Party Car Insurance?
You can choose between two levels of Third Party Car Insurance cover:
Benefits |
Third Party Property Only |
Third Party Property, Fire and Theft |
|---|---|---|
Damage to other people’s property, including their vehicles, for which you’re liable |
Up to $20 million |
Up to $20 million |
Legal costs |
|
|
Damage caused by an uninsured driver |
Up to $5,000 (including recovery, towing and storage costs). |
Up to $5,000 (including recovery, towing and storage costs). |
Fire damage |
|
|
Theft |
|
|
Towing |
|
|
Hire car following theft |
|
Up to $1,000 up to 14 days |
Terms, conditions, limits and exclusions apply.
For full details, please read the Product Disclosure Statement.
Do you need more cover for your car?
If you already have Budget Direct Third Party Car Insurance, then you might want to consider a policy with more cover.
With Budget Direct Comprehensive Car Insurance, you'll get cover for loss or damage to your car, on top of any accidental damage your car causes to other people's property (including their vehicles).
You can get 15%^ off your first year's premium when you buy a new policy online.
More Ways to Save on Third Party Car Insurance
Here are some ways you can reduce your Third Party 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 paying annually instead of in instalments (i.e. fortnightly or monthly), you’ll pay a lower premium and avoid instalment processing fees.
How can I get these savings?
You can select your driver-age restriction and payment preferences 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
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 also won Money magazine's Best of the Best 2025 award for Best-Value Car Insurance 7 years in a row (2019-25); Mozo’s Experts Choice 2024 award for Australia's Best Value Car Insurer; and Finder's 2024 Best Car Insurance - Value award.
More Reasons to Choose
Budget Direct Car Insurance
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.
Roadside Assistance
For just $89.95 a year – less than $1.75 a week – you can take advantage of our 24/7 nationwide Roadside Assistance service.
With our Australian network of more than 2,700 contractors, you’re never too far from help.
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.
Budget Direct customers can make a claim, view and edit their Car Insurance policies, and buy more insurance online.
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).
Third Party Car Insurance FAQs
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
- Third Party Property, Fire and Theft Car Insurance provides the same protection as Third Party Property Only, plus cover for loss or damage to your car if it’s stolen or catches fire. Read more
- Compulsory Third Party (CTP) Insurance, which covers compensation claims made against you for injuring or killing someone in an accident.
Third party property insurance, which is voluntary, covers your legal liability for damage your car causes to other people’s property, including their car. (It’s also known as third party property damage insurance.)
CTP insurance, which is compulsory, covers your legal liability for injuring or killing someone else in a motor accident.
If you’re a Comprehensive Car Insurance or Third Party Car Insurance policy holder, we’ll cover your liability for the damage your car causes to other people’s property, including their cars and homes.
If you’re a Comprehensive or Third Party Property, Fire and Theft policyholder, we’ll pay you the amount for which your car is covered if it’s stolen and not found.
You’ll need to report the theft to the police as soon as possible.
No – that level of protection is provided by comprehensive car insurance
