Customers rate our Third Party Car Insurance claims service

4.2 out of 5 Stars
4.2 out of 5 Stars

4.2 | 266 Reviews*

What’s covered by third party car insurance?

Third party car insurance offers basic protection; you can choose one of two levels of cover:

Benefit 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    
Hire car following theft   Up to $1,000, up to 14 days
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Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Third party property insurance, which is not mandatory, should not be confused with compulsory third party (CTP) insurance.

Get a quote online and save 15%^

Because we don’t insure unsafe drivers, we can keep our premiums low for safer drivers like you.

Get a comprehensive, third party or third party fire and theft car insurance quote and buy a policy online and you’ll receive a 15%^ discount on your first year's premium.

Find out more

The information on this page is a summary only. For more details about Budget Direct third party car insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement (PDS)

How to make a claim

If you need to make a claim, we’re here to help. Make a claim on your third party car insurance policy.

More ways to save

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.

Annual premium payments

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 47,000 quotes, comparing 50 Comprehensive Policies offered by 41 insurance providers, across 42 Consumer profiles, Canstar proclaimed Budget Direct winners of the National Outstanding Value Car Insurance Award for 2023. In the process, Budget Direct became the only brand in any category to win a Canstar National Outstanding Value Award 17 years in a row.

We also won Money magazine's Best of the Best 2024 winner for Best-Value Car Insurance 6 years in a row (2019-24); Mozo Experts Choice 2023 award for Exceptional Value Car Insurance; and Finder's 2024 Best Car Insurance - Value award.

We were also rated 5 stars by LMI ClaimsComparison for our Motor and Home & Contents Insurance product. The rating is based on both quantitative and subjective data, as well as policy features that are deemed by LMI ClaimsComparison as important to a positive claims experience.

LMI Claims Comparison - Claims Service Rating - Private Motor 2021-23
Money Magazine's Best of the Best Car Insurance 2024
CANSTAR's Insurer of the Year 2024
CANSTAR's Outstanding Value Car Insurance Australia 2007–2023
Mozo Experts Choice 2023 - Exceptional Value Car Insurance
Finder Awards 2024 Winner, Car Insurance — Value

More reasons to choose us

24/7 claims

Lodge a claim over the phone or online at any time day or night, 365 days a year.

Reliable repairs

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.

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 2,500 contractors, you’re never too far from help.

Want more cover?

Third party car insurance does not cover loss or damage to your vehicle due to:

Crash or collision No
Severe weather (e.g. hail or flood) No
Malicious acts No

Comprehensive car insurance is the type of insurance which covers these events.

Frequently asked questions

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.
What's the difference between third party property and compulsory third party (CTP) insurance?

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.

Am I covered for the damage my car causes to other people's vehicles?

If you’re a Comprehensive Car Insurance or Third Party Property Only Car Insurance policyholder, we’ll cover your liability for the damage your car causes to other people’s property, including their cars and homes.

Does car insurance cover theft of my car?

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.

Car Insurance Knowledge Base

Your questions about insurance all
answered in one place.

*Based on customers who have made a claim on Budget Direct Third Party Car Insurance, and who were surveyed between 10 February 2015 and 31 March 2024. Visit for more details.

§ Your car would not be covered while it was being driven by someone under the restricted age.

Get a third party car insurance quote online