Budget Direct paid out over $1.5 billion on car + home insurance claims in the last 12 months.
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.
With Third Party Property Only Insurance, you will receive liability cover (including legal costs) up to $20 million for damage your car causes to other people's property. Also, if you are involved in a no-fault accident with an uninsured driver, we'll cover loss or damage to your car up to a maximum of $5,000 (including recovery, towing and storage costs).
Third Party Property, Fire and Theft includes the same cover with the addition of loss or damage to your vehicle in the event of fire and theft.
If you are looking for broader coverage than third party insurance, 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 car insurance policy online.
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.
What’s Not Covered By Third Party Car Insurance?
Third Party Car Insurance includes coverage for damage to other people’s property and, in some circumstances, fire and theft.
There are some things that aren’t included in Third Party Car Insurance. This includes:
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Accidental damage to your car.
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Damage caused by the attempted theft of your car.
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Emergency transport and temporary accommodation.
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Essential repairs.
-
New car replacement.
-
Hire car following a no fault accident.
-
Personal effects.
For Budget Direct’s top level of protection, consider Comprehensive Car Insurance.
Why Choose Budget Direct Third Party Insurance
Pay your premium fortnightly, monthly or yearly, with yearly being the cheapest.
You can restrict your policy to drivers over a certain age that may help to reduce your premium!
Lodge a claim online or over the phone no matter the time or day!
Get a lifetime guarantee on authorised repairs to your car for as long as you own it.
If the car is involved in a no fault accident with an uninsured vehicle, we will cover your loss or damage to the car, up to $5,000.
For just $89.95 a year – less than $1.75 a week – you can take advantage of our 24/7 nationwide Roadside Assistance service.
Find Out More
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
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 have a Third Party Property, Fire and Theft policy, 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
