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Car Insurance

Car Insurance

15 % off ^

On your first year's premium for a new policy purchased online

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  • Car Insurance
  • Comprehensive Car Insurance
  • Third Party Car Insurance
  • Car Claims HelperFind out how to lodge a claim.
  • Compare Car InsuranceCompare what our customers told us they saved†
  • Compare Car Insurance Benefits and FeaturesFind the right insurance policy for you.
  • Car Insurance ReviewsSee what our customers think of us.
  • Frequently Asked QuestionsGet answers to common questions.
Home Insurance

Home Insurance

Home & Contents Combined

30 % off ^

On your first year's premium for a new policy purchased online (15% combined + 15% online)

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  • Home Insurance
  • Home and Contents Insurance
  • Home Building Insurance
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  • Landlord Insurance
  • Renters Insurance
  • Home Claims HelperFind out how to lodge a claim.
  • Compare Home InsuranceCompare what our customers told us they saved†
  • Compare Benefits and FeaturesFind the right insurance policy for you.
  • Home & Contents Insurance ReviewsSee what our customers think of us.
  • Replacement Cost CalculatorsEstimate your home replacement costs.
  • Frequently Asked QuestionsGet answers to common questions.
Travel InsuranceSpecial Offer

Travel Insurance

15 % off ^

Policies purchased online

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  • Travel Insurance
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  • Annual Multi-Trip
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  • Travel Insurance COVID-19 Benefits
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  • Compare Travel InsuranceFind the right insurance policy for you.
  • Overseas Emergency AssistanceOverseas emergency assistance.
  • Travel insurance FAQsGet answers to common questions.
Pet Insurance

Pet Insurance

15 % off ^

On your first year's premium for a new policy purchased online

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  • Pet Insurance
  • Plus Pet Insurance
  • Comprehensive Pet Insurance
  • Essential Pet Insurance
  • Dog Insurance
  • Cat Insurance
  • Pet Insurance ClaimsFind out how to lodge a claim.
  • Frequently Asked QuestionsGet answers to common questions.
  • How well do you know your BudPet?Take the quiz to discover how your pet's habits, behaviours and environments can impact their lifelong health.
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Motorcycle Insurance

Motorcycle Insurance

15 % off ^

On your first year's premium for a new policy purchased online

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  • Motorcycle Insurance
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  • Scooter Insurance
  • Motorcycle Insurance ClaimsFind out how to lodge a claim.
  • Compare Motorcycle Insurance Benefits and FeaturesFind the right insurance policy for you.
  • Frequently Asked QuestionsGet answers to common questions.
Life Insurance

Life Insurance

1 Month Cover FREE§

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  • Life Insurance
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  • Life Insurance ClaimsFind out how to lodge a claim.
  • Existing CustomersIf you purchased Budget Direct Life Insurance on or before 30 June 2018 Click Here.
  • Life Insurance FAQsGet answers to common questions.
Roadside Assistance

Roadside Assistance

$ 76 .46 /year With Standalone 15%‡ Online Discount full price $89.95/year

On your first year's membership when you purchase online

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  • Standalone Roadside Assistance
  • Immediate Roadside Assistance
  • Broken down?Call 1800 514 448.
  • Frequently Asked QuestionsGet answers to common questions.
Existing Customers

Existing Customers

At Budget Direct we value our customers and pride ourselves on providing great value insurance that you can rely on when you need it most.

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  • Make a ClaimFind out how to lodge a claim.
  • Online DiscountsGet a quote and buy a new car or home and/or contents insurance policy online and you'll save 15% to 30% on your first year's premium.
  • Budget Direct TestimonialsSee what our customers think of us.
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^ 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 1 Month Free Offer Terms and Conditions

Apply for cover and if issued, you’ll not start paying premiums until one month after the commencement date of the cover. This applies to any one or more Budget Direct Premium Life Direct cover types you take out. Offer available once only per new customer and may not be used in conjunction with any other offer. Only available whilst this campaign is current; we reserve the right to withdraw the offer without notice of withdrawal, and to change the offer.

‡ 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.
  • Motorcycle Insurance
  • Guides

Motorcycle Insurance guides

Budget Direct have compiled a collection of the latest Motorcycle Guides to help keep you safe on the road.

Motorcycle safety

5 motorcycle safety gear must haves

How to choose a motorcycle helmet that's right for you

How to Get a Motorbike Licence in Australia

How to prevent motorcycle theft

Motorcycle lane filtering rules explained

Motorcycle road positioning explained

6 Motorcycle maintenance tasks you can do yourself (inc. checklist)

Do you need a licence for a scooter?

Motorcycle buying guides

Motorcycle vs car: 8 reasons to ditch your car for a motorcycle

Buying Your First Motorcycle: A Beginner's Guide

Pros and Cons of Different Types of Motorcycles

The Cost of Owning a Motorcycle

The beginner's guide to purchasing a motorcycle jacket

How to save on Motorcycle Insurance

More guides

8 of the best motorcycle rides in Australia

Mastering your motorcycle ergonomics

Motorcycle Sales Survey & Statistics 2022

Best Motorcycle Tours in the World

Australian Motorcycle Owners Survey and Statistics 2025

Useful links

Buy motorcycle insurance

Motorcycle insurance

Motorcycle insurance FAQs

Car Insurance

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For general enquiries and feedback, Contact Us or Make a Complaint

General Insurance Code of Practice

Insurance (excluding Pet, Life & Travel Insurance) is issued by Auto & General Insurance Company Limited (ABN 42 111 586 353, AFSL 285571) (AGIC) and arranged by Auto & General Services Pty Ltd (ABN 61 003 617 909, AFSL 241411) (AGS) PO Box 342, Toowong QLD 4066.

Budget Direct Pet Insurance is issued by AGIC, administered by Pet Health Insurance Services Pty Ltd (ABN 59 638 910 675) as Authorised Representative (AR no. 1282153) of AGIC and promoted by AGS.

Roadside Assistance is arranged by AGS. Terms & Conditions apply.

Everything on our website, in our call centre, and in our marketing material is general information only. We have not taken into account your specific objectives, financial situation or needs, and we can't advise if our products will suit you. It's important that you read the relevant Product Disclosure Statement, Target Market Determination, Financial Services Guide and Key Facts Sheets, and consider whether the product is appropriate to you, before you decide to buy our product/s. Whether or not we offer you insurance depends on whether you meet our underwriting criteria. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached. Home Insurance products are not offered in NT, North Qld and Northern WA.

Life Insurance

For Budget Direct Life Insurance policies purchased on or after 14 February 2022

The Budget Direct Life Insurance suite of products (Budget Direct Life Insurance) is issued by NobleOak Life Limited (ABN 85 087 648 708, AFSL 247302) (NOL). NOL and its representatives handle all claims. Budget Direct is a brand owned by AGS. AGS receives a commission from NOL for all Budget Direct Life Insurance policies issued by NOL.

AGS does not issue or guarantee the Budget Direct Life Insurance products. Descriptions of product benefits and features are a summary of general information only and is not personal financial advice. The insurer, NobleOak Life Limited, adopts the Life Insurance Code Of Practice. They have information on this on their site here. They have information about support for those experiencing vulnerability or hardship here; about making a complaint here; and about insurance premiums here.

For Budget Direct Life Insurance policies purchased on or before 30 June 2018

This insurance was arranged by AGS on behalf of the insurer, Hannover Life Re of Australasia Ltd (ABN 37 062395 484). It is administered by Genus Life Insurance Services Pty Ltd (ABN 89 631 536 537), an Authorised Representative of NobleOak Services Ltd (AFSL 286798), on behalf of the insurer Hannover Life Re of Australasia Ltd.

Travel Insurance

For Budget Direct Travel Insurance policies purchased on or after April 2023

Budget Direct Travel Insurance is arranged and promoted by AGS, managed and administered by Travel Insurance Partners Pty Limited (ABN 73 144 049 230, AFSL 360138) (TIP) and issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) (Zurich).

For Budget Direct Travel Insurance policies purchased before 2021

Insurance was arranged by AGS on behalf of the insurer AGIC.

^ 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 1 Month Free Offer Terms and Conditions

Apply for cover and if issued, you’ll not start paying premiums until one month after the commencement date of the cover. This applies to any one or more Budget Direct Premium Life Direct cover types you take out. Offer available once only per new customer and may not be used in conjunction with any other offer. Only available whilst this campaign is current; we reserve the right to withdraw the offer without notice of withdrawal, and to change the offer.

‡ 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.

* Reviews

Based on surveys of Budget Direct customers who have made a claim on or bought a Home and/or Contents insurance policy or Motor Insurance policy from Budget Direct between 10 February 2015 and 31 March 2026. The information displayed may be shown by relevant category. Visit www.budgetdirectreviews.com.au for more details regarding the survey results.

† Price Comparison Figures

Figures represent average savings based on data provided by customers who reported they switched online to Budget Direct's Comprehensive Car Insurance or Combined Home & Contents Insurance or Buildings Only Insurance or Contents Only Insurance from comparable policies, between 1 November 2025 - 30 April 2026. Individual circumstances and policy terms may vary. Please compare for yourself.

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