^ Online Discounts Terms & Conditions

  1. Discounts apply to the premium paid for a new Budget Direct Home & Contents, Home only, Contents only, Comprehensive, Third Party Property Only or Third Party Property, Fire & Theft Car Insurance policy, initiated online on or after 29 March 2017, and for a new Budget Direct Comprehensive, Third Party Property, Fire & Theft & Third Party Property only Motorcycle Insurance policy, initiated online on or after 4 June 2020 and for a new Pet Insurance policy, initiated online on or after 18 February 2021. This online discount does not apply to Roadside Assistance that is added to a Budget Direct Car Insurance policy.
  2. The new policy discount amount varies by product: 30% discount on combined Home & Contents Insurance (consisting of 15% discount for combining Home & Contents covers and 15% discount for policies initiated online), 15% for Home only or Contents only policies, 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car or Motorcycle Insurance and 15% discount on Pet Insurance.
  3. A 15% discount applies to the premium paid for a new Budget Direct Travel Insurance policy initiated and purchased online on or after 22 February 2023.
  4. Discounts do not apply to any renewal offer of insurance.
  5. Discounts only apply to the insurance portion of the premium. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted.
  6. We reserve the right to change the offer without notice.

§ Life Insurance $100 eGift card Terms and Conditions

§Subject to the Terms and Conditions, the Promoter will provide each Eligible Customer with one (1) $100 eGift Card when they obtain a quote for one or more Budget Direct branded life insurance policies (Eligible Policy/Policies) during the Promotion Period and purchase one or more Eligible Policies based on that quote. To qualify, the Eligible Policy or Eligible Policies must have a total annualised premium of at least $400 at the time of issue. Where more than one Eligible Policy is issued under the same quote or application, the combined annualised premium of those policies may be used to meet the $400 threshold.

This offer is limited to one (1) eGift Card per Eligible Customer, regardless of the number of Eligible Policies held. The Promotion commences at 12:01am (AEST) 8 July 2026 and ends at 11:59pm (AEST) 31 December 2026 (Promotion Period).

To qualify, the Eligible Policy or Eligible Policies must be held continuously for 90 days from the date of issue, with premiums equivalent to at least three months’ cover paid in full with no amounts outstanding. The annualised premium must not decrease below $400 during the 90-day period.

Each Eligible Customer will receive an email containing a link to select a retailer and download their digital eGift Card within 60 days of meeting the Eligibility Criteria. This offer cannot be used in conjunction with any other offer.

The Promotion is not open to customers who renew, amend, or cancel and replace an existing policy for the purpose of participating in the Promotion. The Promotion is also not open to officers or directors of NobleOak or Auto & General or any of their Related Entities or Related Bodies Corporate, employees who are directly involved in administering, marketing or approving the Promotion, or immediate family members. See full Terms and Conditions. Promoted by NobleOak Life Limited ABN 85 087 648 708, AFSL 247302. eGift Cards fulfilled by Auto & General Services Pty Ltd ABN 61 003 617 909, AFSL 241 411.

‡ Standalone Roadside Assistance, 15% Online Discount Offer Terms & Conditions

  1. The 15% discount applies to the first year's membership fee paid for a new Budget Direct Standalone Roadside Assistance membership purchased online only, using the promotional code SOLVED15.
  2. This offer does not apply to Roadside Assistance that is added to a Budget Direct Car Insurance Policy.
  3. Offer is valid from 1 July 2021 and cannot be used in conjunction with any other offer.
  4. The 15% online discount does not apply to any renewal offer of membership.
  5. We reserve the right to change the offer without notice.

Where you should take your car for its damage assessment and repairs and what to do if it can’t be driven.

Is my car driveable?

You should not drive your car if:

  • Any of the airbags have deployed
  • Any fluid (including petrol or radiator fluid) is leaking from the car
  • Any of the doors, bonnet or boot need to be secured to remain closed
  • The steering has been affected, meaning you're unable to steer your car straight or around a corner.
  • You think it's unsafe to drive.

If you make a claim and your car is drivable, we'll book a convenient time to have the damage assessed. Assessments allow us to determine the size and scope of the damage, if the car is repairable, and the most suitable repair method. Assessments are usually completed in person and take 15 to 30 minutes to complete.

We’ll ask you to take your car to one of the following for an assessment and/or repairs:

  • One of our network repairers
  • An assessment centre
  • A partner repairer

We'll keep you updated on the progress of the assessment of your car.

However, if your car is not driveable, you can call us on 1300 885 996 and we’ll arrange for it to be towed to a safe location to be assessed. You should remove any valuables or personal belongings from your car before the car is towed, as long as it's safe to do so.

Residents of Melbourne, Mornington Peninsula, Geelong and Adelaide are required by law to call an ‘allocation centre’ or ‘centralised operator’, who will arrange to get their car towed.

Our Repairers

Our extensive network of repairers can assess and repair your car’s damage.

If you're booked in with a repairer they will either:

  • Complete the assessment and start repairs straight away - You'll need to leave your car with them and organise transport to your next destination (including picking up your hire car if it's included in your policy).
  • Complete an initial inspection of the damage and send us a quote - You won't need to leave your car there. Once we've assessed your car's damage and approved the repair quote, your repairs can start.

Each repair job is different and depending on the severity of the damage and availability of parts the timeline for your car’s repair may vary too.

The repairer will give you an estimate of how long the job is likely to take, and keep you up to date as it progresses. We guarantee all repairs we’ve authorised for as long as you own the vehicle.

Assessment Centres

We have dedicated assessment centres in Brisbane, Melbourne and Sydney. If you're visiting one of our centres, a qualified assessor will talk to you about your next steps.

Locations

Brisbane

Enoggera

Underwood

Melbourne

Alphington

Sunshine

Mulgrave

Sydney

Alexandria

Lidcombe

Partner Repairers

If there isn’t a network repairer or assessment centre near you, we’ll ask you to take your car to one of our partner repairers so that they can provide a quote for the repairs.

Once they send us photos of your vehicle’s damage and a repair quote, one of our qualified assessors can carry out an assessment.

After the car's been assessed and we’ve authorised the repairs, we’ll be able to book your car for the repairs.

The repairer will let you know how long the repairs are likely to take.

Frequently Asked Questions

How do I make a claim on my car insurance?

If your car’s been damaged or stolen and you need to make a claim, we’re here to help get you back on the road as quickly and smoothly as possible.

Make a claim on your Budget Direct car insurance policy

How quickly can I expect my car to be repaired?

Each repair job is different, so it’s difficult to say for certain how long each job will take. Some can take a few days, others up to two weeks or more, depending on the severity of the damage.

The repairer will give you an estimate of how long the job is likely to take and keep you informed of progress.

Do you guarantee repairs to my car?

Yes – repairs authorised by us are guaranteed for as long as you own the car.

My car's a total loss or write-off - what happens now?

If we decide your car is a write-off, we’ll negotiate with you to either:

  • pay you the amount your car is insured for (market or agreed value); or
  • replace your car with a new one of the same make, model and specification if you purchased the car new or as a demo model and it becomes a total loss:
    • Within two years or 40,000km (whichever comes first) of the original registration (Gold Comprehensive Car Insurance)

If a new replacement car is:

  • not available in Australia within 90 days, we will pay you the amount it would cost you to replace the car with a new one of the same make, model and specification, or
  • no longer available in Australia, we will pay you the amount you originally paid for the car.

If your car is financed, we’re obliged to pay the finance company any money you still owe them first. We’ll then pay you any residual from the insured amount.

We’ll also arrange and pay for your written-off car to be towed away from the repair shop and disposed of.

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, 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.

See all Car Insurance FAQs

Contact Us

No matter whether it’s online or over the phone, you can contact us 24/7.

Claim Online

You can notify us of your claim online and we'll call you if we need further information.

Claim online now

Chat With a Team Member

Chat with a member from our claims team on Monday-Friday from 7am - 8pm AEST and on weekends from 7am - 4pm AEST.

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Call Us on 1300 139 591

A friendly member of our claims team will assist you over the phone.

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