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 premiums for car insurance, our Victorian car insurance customers told us they saved an average of $###† by switching to Budget Direct Comprehensive Car Insurance.
Here’s a brand-by-brand breakdown of our customers’ self-reported savings.
| Victorians who switched from… | Told us they saved an average of… |
|---|---|
| AAMI | $### |
| Allianz | $### |
| APIA | $### |
| Coles Insurance | $### |
| RACV | $### |
| Suncorp | $### |
| Woolworths | $### |
| Youi | $### |
Use our Comparitron™ tool to compare car insurance savings reported by our customers throughout Australia.
Award-winning car insurance
After comparing over 48,000 quotes, comparing 54 Comprehensive Policies offered by 44 insurance providers, across 42 Consumer profiles, Canstar proclaimed Budget Direct winners of the National Outstanding Value Car Insurance Award for 2022. In the process, Budget Direct became the only brand in any category to win a Canstar National Outstanding Value Award 16 years in a row.
Canstar also awarded Budget Direct with the Outstanding Value Car Insurance Award for Victoria in 2022.
Choose your cover
With Budget Direct, you can select one of three types of car insurance:
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.
Read more about Third Party Property, Fire and Theft Insurance
Highly rated claims
Assessments and repairs
If your damaged vehicle is driveable, we’ll ask you to take it to one of the following to be assessed and fixed:
- one of our network repairers
- a local repairer (if there isn't a network repairer near you).
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 your damaged car is not driveable, call us on 1300 885 996 and we’ll arrange for it to be towed.
After assessing your vehicle’s damage and authorising the repairs, we can appoint a repairer and manage the whole repair process on your behalf.
Our repairs are guaranteed for as long as you own the car.
Alternatively, you may be able to nominate your preferred repairer.
Roadside Assistance
For $89.95 a year – about $1.75 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’.
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.
Car Insurance Knowledge Base
Your questions about insurance all
answered in one place.
Useful links
† {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 March 2022. Visit www.budgetdirectreviews.com.au for more details.
