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

Compared 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…
AAMI $###
Allianz $###
Bingle $###
Coles Insurance $###
RACV $###
Youi $###

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 five years running, from 2014 to 2018.

CANSTAR's Outstanding Value Car Insurance Victoria 2018

Choose your cover

With Budget Direct, you can select one of three types of car insurance in Victoria:

Comprehensive Car Insurance

Covers loss or damage to your vehicle due to an accident – regardless of who’s at fault – theft, severe weather, malicious damage, and fire; and your liability for damage your car causes to other people’s property.
Read more


Third Party Property Insurance

Covers the accidental damage your car causes to other people’s vehicles and property.
Read more


Third Party, Fire and Theft Insurance

Provides the same cover as Third Party Property, with extra protection against loss or damage to your vehicle due to fire and theft.
Read more

Highly rated claims


Assessments and repairs

In Victoria, you can get your vehicle’s damage assessed at one of our three assessment centres, in Melbourne:

If there isn’t a centre near you, we’ll ask you to get your car assessed by:

  • one of our selected repairers, or 
  • a local repairer (if there isn’t a selected repairer near you).

Afterwards, we’ll – for your convenience – appoint a repairer and manage the whole repair process on your behalf.

(One of our Victorian vehicle assessment centres, Laverton North, doubles as a rapid repair centre.)

Roadside Assistance

For $79.95 a year – about $1.60 a week – you can take advantage of our 24/7, nationwide Roadside Assistance service. 

Whether you’re broken down in Mildura, Melbourne or Mallacoota, our Victorian network of roadside contractors means you’re never too far from help.

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’.   

Read more about the TAC's transport accident charge.

Accident towing

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.

† {comparitron-disclaimer}
*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 2018. Visit www.budgetdirectreviews.com.au for more details.

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