Budget Direct has insured motorists in The Garden State since 2000.
Whether you live in Melbourne or Geelong, Ballarat or Bendigo, or anywhere in between, we've got a wide range of car insurance for you to choose from.
Switch and save
In comparison to their previous insurers' premiums, our Victorian car insurance customers told us they saved an average of $###† by switching to Budget Direct.
Here’s an insurer-by-insurer breakdown of our customers’ self-reported savings:
|Victorians who switched from…||Told us they saved an average of…|
Award-winning Victorian car insurance
After comparing our comprehensive cover with that offered by other insurers in the state, Canstar has awarded us their (one and only) Outstanding Value Car Insurance Victoria award for 10 years running, from 2010 to 2019.
Choose your cover
With Budget Direct, you can select one of three types of car insurance:
Third Party Property Only Insurance
Covers your liability for accidental damage your car causes to other people’s property, including their vehicles.
Third Party Property, Fire and Theft Insurance
Provides the same cover as Third Party Property Only, with extra protection against loss or damage to your vehicle due to fire and theft.
Highly rated claims
Assessments and repairs
If your damaged vehicle is driveable, we’ll get you to take it to one of our network repairers for an assessment and repairs.
Alternatively, we may ask you to take your car to one of our three assessment centres, in Melbourne:
The assessments generally take about 15 minutes and we can even help find a repairer for you.
If there isn’t a network repairer or assessment centre near you, we’ll ask you to get your car assessed by a local repairer.
For your convenience, after your car’s damage has been assessed, and if we authorise the repairs, we may appoint a repairer and manage the whole repair process on your behalf.
Alternatively, you may be able to nominate your preferred repairer.
Compulsory Third Party (CTP) insurance
All vehicles in Australia must have CTP cover before they can be registered and legally driven on the road; motorists pay for this cover either as part of their vehicle registration fee or separately.
In Victoria, CTP insurance is provided by the Transport Accident Commission (TAC), which levies a ‘transport accident charge’.
The charge appears on VicRoads registration renewal notices as ‘TAC Charge’ or ‘TAC Premium’.
In most cases, we can arrange for our customers’ undriveable cars to be towed from an accident scene to the tow company’s yard and, in turn, to our motor-vehicle assessors and repairers.
However, residents of Melbourne, Mornington Peninsula and Geelong are required by law to call an ‘allocation centre’, which will arrange the tow on their behalf.
Car Insurance Knowledge Base
Your questions about insurance all
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*Based on customers in Victoria who have made a claim on Budget Direct Car Insurance, and who were surveyed between 10 February 2015 and 31 May 2019. Visit www.budgetdirectreviews.com.au for more details.