Budget Direct Car Insurance

budget direct car insurance logo

Budget Direct is a provider of car insurance, home insurance, landlord insurance, life insurance, health insurance, travel insurance, and pet insurance.

“At Budget Direct, we don’t insure Captain Risky, to keep prices low.”

Policy Options: What Budget Direct car insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product.  Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering.

Gold Comprehensive

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Covers damage or theft of your car, up to agreed value or market value.
  • New-for-old replacement if your car is written off within its first 2 years or 40,000 kms.
  • Covers emergency transport and/or emergency accommodation, $100/day up to $850 total.
  • Covers a hire car after theft, up to 14 days or $1,000 total cost.
  • Optional hire car after accident.
  • The replacement or repair of personal property in your car is covered for damage or theft, up to $500.
  • Trailer or caravan covered for damage up to $1,000.
  • No claims bonus not affected by an accident with an at-fault, uninsured third party driver.
  • Damage to or theft of baby capsules or child seats in your vehicle are covered up to $500.
  • Removal of debris on the road after an accident, up to $500.
  • Replace car keys and re-code car after theft of keys, if theft was reported to police, up to $1,000.
  • Discount on installation of a security device.
  • Accidental death benefit of up to $5,000.
  • Optional inclusion of roadside assistance.
  • Optional Rating 1 protection: Your Rating 1 status and Maximum No Claims Bonus are not affected by one claim per yearor up to 2 claims in 3 years.
  • The option of reducing your windscreen claim excess by increasing your premium.
  • 25% discount for buying insurance online (at the time of writing).
  • Pay by the month or by the fortnight at no extra cost.

Third Party, Fire and Theft

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Covers your car from theft or damage from fire.
  • Covers damage to your car in a no-fault accident with an uninsured vehicle, up to $3,000.
  • Covers a hire car following theft, up to 14 days or $1,000 total cost.
  • Discount on installation of a security device.
  • Optional inclusion of roadside assistance.
  • Pay by the month or by the fortnight at no extra cost.

Third Party Property Damage

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Damage to your car in a no-fault accident with an uninsured vehicle, up to $3,000.
  • Optional inclusion of roadside assistance.
  • Pay by the month or by the fortnight at no extra cost.

CTP (Compulsory Third Party) / Green Slip

  • Liability cover for the driver for injuries caused to other people.
  • Offered in NSW only.
  • Required by law in all states and territories.

Policy Benefits: Why choose Budget Direct

  • Money back guarantee: 21-day money back guarantee if you change your mind.
  • Online quotes: Get a quote online in 1 minute – even on your mobile phone! At time of writing, you can get a discount of 25% (Gold Comprehensive) if you buy a policy online.
  • Claims process: Budget Direct has a 24/7 telephone helpline.
  • Multi-policy discount: Save on your policy premiums if you have more than one policy with Budget Direct.
  • Buddy up: When you buy car insurance from Budget Direct, you get a Budget Direct Buddy code to give to your friends. If they use the code to buy insurance from Budget Direct, you both get a $50 VISA gift card.
  • Premium cost-reducing measures: You can specify an age restriction on drivers (21 and older, 25 and older, 30 and older, or 40 and older) to reduce your premium. You can also increase your excess to reduce your premium.
  • Payment options: You can pay by the fortnight, by the month, or once per year – and you can pay via direct debit, credit card, or even PayPal.
  • Hail Hero: A text or email is sent to your mobile device to let you know when a hailstorm is on its way to your home, so you have time to get your car under cover before it hits.

About Budget Direct

Budget Direct has insured over 1.5 million Aussies since they were founded in 2000. They are part of the International Budget Insurance group.

Budget Direct is the trusted insurer for over 1.5 million Australian drivers. If you’re with Budget Direct, sign up for the Budget Direct Hail Hero App on the Apple iTunes Store or Google Play for Android so you’ll have enough warning to get your car undercover before a hailstorm hits.

Budget Direct has won the prestigious CANSTAR 5-star rating every year from 2007 to 2015. This is a truly impressive feat.

These days, many people know Budget Direct for their hilarious Captain Risky TV ad series, or the older “Boojay Boojay” TV ad series featuring Michelle and Michael.

How Budget Direct supports the community

  • Protecting kids: Supports Act for Kids to prevent and treat child abuse and neglect.
  • Annual charity events: Budget Direct participates in the Smith Family Christmas Appeal, Day for Daniel, RSPCA Cupcake Day & Goods Collection, Australia’s Biggest Morning Tea, and Movember.

How Budget Direct supports the environment

  • Way back in 2008, Budget Direct was one of the many who advocated for insurance providers to be allowed to present PDS documents electronically rather than in paper form.
  • In 2013, Budget Direct provided a comprehensive infographic summarising pros and cons of the various alternative fuels to support the environment.
  • In 2015, Budget Direct has commented on how economical and environmentally-friendly self-driving cars could be.

Compare Car Insurance with CANSTAR

 Written by: TJ Ryan