Budget Direct has paid out over $1.5 billion on car + home insurance claims in the last 12 months.
What’s covered by Gold Comprehensive Car Insurance?
You get a lifetime guarantee on authorised repairs to your car as long as you own it. When repairing, we will return the car to the condition it was in before it received damage.
If your new car is written off within two years of the original registration or 40,000km (whichever comes first), we’ll replace it with a brand-new one.
You are covered for up to $20 million of legal liability cover for any accidental damage your car causes to someone else’s car and property.
If we accept your claim for the theft of your car or an accident where someone else is entirely at fault and they can be identified, you'll be eligible for a hire car.
We will pay the cost of recovery, towing, and storing your car at the closest repairer or recommended storage facility if your car is stolen or unsafe to drive following an accident.
We will pay up to $500 for loss or damage to your personal items that were in the car at the time of a collision, theft or forced entry into the car (for example, a carjacking).
If your car is damaged, we will pay to transport the driver and passengers to where the car is normally kept. If there isn't any transport available, we will pay for the cost of temporary accommodation for $200 per day and up to $1,000 in total.
We will pay up to $500 for loss or damage to child seats or capsules that were in your car at the time of a collision, theft or forced entry into the car.
We will cover the damage to your caravan or trailer in a collision while it is being towed by your car, excluding contents of the trailer or caravan.
If your keys or remote locking devices are stolen, and not recovered, we will pay to replace them and recode the locks.
This includes storm, flood, hail, fire, collision and attempted theft or a malicious act.
If your car is involved in an accident with an uninsured vehicle, the policy covers loss or damage to the car up to its insured value.
What's not covered by Comprehensive Car Insurance?
Budget Direct Car Insurance does not cover you for loss or damage for every circumstance. There are exclusions such as:
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Ridesharing or food delivery
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Racing, contests or rallies
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Unlawful use
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Tyre damage (caused by punctures, cuts or bursts)
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General wear and tear
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Unexplained or ongoing mechanical, structural or electrical malfunctions or breakdowns
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Using the wrong fuel
Optional Extras for Motor Cover
For an additional add-on, you can customise your Gold Comprehensive Car Insurance cover when you get a quote and buy a policy or — if you've already bought one — by logging into your online account and editing or adding to your policy.
If we’ve accepted a claim for an at fault accident, we’ll cover a hire car for up to 14 days while your car’s being repaired.
Reduce the amount you pay for damage to your vehicle’s window glass, including its windscreen and rear and side windows, to just $40.
Note that you can reduce your window glass excess only within 21 days of buying your policy, renewing it, or transferring it to a replacement vehicle.
If you have a claim with us, you can nominate your preferred repairer.
For just $89.95 a year you can take advantage of our 24/7 nationwide Roadside Assistance service.
With our Australian network of more than 2,700 contractors, you’re never too far from help.
Get a Quote Online and Save 15%^
Get a quote online and you'll receive a 15% discount on your first year's premium for a new Car Insurance policy.
More Reasons to Choose Budget Direct Comprehensive Car Insurance
If you drive 10,000 km or less per year, you can take out a Gold Low Kilometres Comprehensive policy, which attracts a lower cover cost.
With five age ranges to choose from during the quote process, there’s no need to worry about inexperienced drivers; and you can cut down your premium!
By increasing your out-of-pocket amount when claiming, you may be able to reduce your premium.
Pay your premium fortnightly, monthly or yearly, the last of which is the lowest price.
As a Budget Direct customer you can make a view and edit your policies, make a claim, and buy more insurance online.
Lodge a claim online or over the phone at any time day or night, 365 days a year.
Product Disclosure Statement
The information on this page is a summary only. For more details about Budget Direct Gold Comprehensive Car Insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement (PDS).
Comprehensive Car Insurance FAQs
Budget Direct offers three types of car insurance:
- Comprehensive covers loss or damage to your vehicle due to an accident (regardless of who's at fault), vandalism, fire, weather, and theft. It also covers damage caused by your vehicle to other people's property (e.g. their car and home).
- Third Party Property Only covers damage caused by your vehicle to other people's property (e.g. their car and home). It does not cover damage to your vehicle (unless it's damaged in a no-fault accident with an uninsured driver, in which case you have limited cover).
- Third Party Property, Fire and Theft provides the same protection as Third Party Property Only plus cover for loss or damage to your vehicle if it's stolen or catches fire.
The type of cover you have is shown on your car Insurance Certificate.
Your decision on whether to comprehensively insure your old car will generally depend on:
- its market value; and
- your ability to cover the financial loss on your own if your car was, say, written off in an accident.
If your car has a low market value (e.g. $2,500), you may decide third party car insurance is all you need.
In other words, you may decide it’s not worth paying more for comprehensive car insurance as, over time, it could outweigh the cost of replacing your cheap car.
It’s up to you to do the maths, figuring out whether the lower protection and cheaper premium are a reasonable trade-off in your circumstances.
