Budget Direct Comprehensive Car Insurance

Why Do I Need It?

Every car is different, and so is every driver. So why try to shoehorn everyone into the same Car Insurance policy? Budget Direct has a range of options that let you tailor your Car Insurance policy to give you all the cover you need at a price you can afford.

When Can I Claim?
  • Accidental damage – Collision or crash
  • Theft or attempted theft, vandalism and malicious damage
  • Environmental damage – Storm, flood, hail
What Can I Claim?
  • Baby capsules and child seats
    • o up to $500
  • Damage by an uninsured driver
  • Damage to another person’s vehicle and property
    • Up to $20 million
  • Emergency transport and accommodation
    • up to $850 in costs
  • Fatality Cover
    • Budget Direct will pay $5,000 to your legal representative if your death results within 12 months from injury caused in an accident while driving the car. The maximum payable for any accident is $5,000.
  • Key locks and barrels – replace and recode
    • up to $1,000
  • New for old replacement
    • Insure your brand new car from the time of purchase and if it’s written-off within the first two years (up to 40,000km), Budget Direct will replace it with a new one.
  • No Claim Discount Protection
    • You are entitled to make 1 claim during the current period of insurance, or 2 claims in a 3-year period without affecting your No Claim Discount. For additional claims, your No Claim Discount will be reduced on renewal.
  • Personal items damaged or stolen when your car is stolen will be repaired or replaced
    • up to $500
  • Remove accident debris from the road up to $500
  • Towing a trailer or caravan?
    • That’s covered up to $1,000.
Optional Extras
  • Reduced window glass excess
    • This optional benefit applies only if noted on the Insurance Certificate, and only to front, rear or side windows.
  • Hire car
    • After Budget Direct agree to pay your claim they will arrange for a compact hire car for you to use until your car is fixed or your claim settled, not exceeding 14 days.
  • Driver discount
    • If no one under the age of 25 drives your car, let Budget Direct know and claim a discount.
  • Windscreen excess reduction
    • Choose to reduce your windscreen excess by varying your premium.
  • Maximum no claim discount protection
    • This lets you make one claim a year (or two claims in three years) without affecting your Maximum No Claim Discount (a.k.a. Rating 1)
  • Roadside Assistance
    • If you don’t want a breakdown, flat tyre, flat battery or anything else leaving you stranded, Budget Direct’s Roadside Assistance may be just what you need.
Why Is Budget Direct Different?

Budget Direct also offer a low kilometres policy, which is a discounted rate if your car travels no more than the number of kilometres per year shown on the insurance certificate. This option includes all of their normal cover plus a $5,000 death benefit, which is paid to your legal representative if your death results within 12 months of the incident.

Additional excesses apply if the car is driven by a person is not an excluded driver and who is 24 years or younger, or has not held a driver’s licence for at least two years.

Get a Quote

Happy customer

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Comprehensive Car Insurance Comparison Table

NRMA NRMA Comprehensive + AMMI CGU QBE Budget Direct Just Car Allianz
Colision or Crash
24/7 Roadside Assist Optional ($7/mth) Optional  $89/year
Baby Capsules and child seats (up to this amount)
$500

$500

Replacement cost

$500

$500
Damage by uninsured drivers
$5,000

$5,000

Conditional
Damage to other people’s vehicles or property (value) $20 million $20 million $20 million $30 million As awarded $20 million $20 million $20 million
Emergency repairs to get you home or to a repairer $800 $800 $500 $500 $500 $500
Emergency travel and accommodation if you are more than 100km from home and your car is not safe to drive $500 $500 $1,050 $850 $750
Fatality Cover (up to this amount)
$5,000

$2,500

$5,000

$25,000
Hire car until claim is settled unless otherwise stated Optional – $95/day $95/day Optional (similar value to your car) Optional (14 days) Optional Optional
Keylocks & barrels – replace and recode
$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000
Legal costs for a coronial inquiry (up to this amount)
$5,000
All legal costs
Modifications, options and accessories
Unlimited

Unlimited
New for old replacement (up to age of car)
2 years old

2 years old

2 years old

3 years old

4 years old, 100,000km

2 years old, 40,000km

2 years old
No claim bonus protection Optional
Optional
Optional
Conditional

1 claim/yr

1 claim/yr
No excess windscreen cover Optional Optional Optional Optional Optional Optional
Over 50s discount
Personal items
$500

$500

$500

$500

$500

$500

$750
Remove accident debris from the road (up to the value of this cost)
$500
Repair lifetime guarantee
Storage costs
Taxi service
Third party property insurance over your substitute car
14 days
Tools of trade (business use vehicles) $1,500 $1,500 Optional
Towing
Trailer. Towing a trailer or caravan? (Covered up to the value of this cost)
$1,000

$1,000

$1,000

$1,000

$1,000

$1,000
UberX driver? Optional ($2/day) Optional ($2/day) Optional
Vehicle pick up and return
$500

$500
We pick the repairer
Weather Storm, fire, flood, earthquake, explosion, tsunami Storm, fire, flood, earthquake, explosion, tsunami Hail, storm, flood, fire Fire, flood, storm
Windscreen, sunroof and window glass damage
Theft
Hire car $65/day up to 21 days $65/day up to 21 days
14 days

14 days

14 days

21 days