Founded in 2000, Budget Direct is proud to offer insurance that has helped over 3 million Australians since its inception with its award-winning Insurance products.
Budget Direct is underwritten by Auto & General Insurance Company Limited, an APRA-regulated Australian insurance company, and is part of the international BHL Group. The insurer’s commitment to innovation means you get the features you’d expect in your car insurance, plus:
Budget Direct provides a range of car insurance options for Australians in all states and territories. These products include:
Refer to the Product Disclosure Statement for full terms and conditions.
| Snapshot of Budget Direct’s car insurance benefits | |||
| Benefit | Comprehensive | Third Party Property, Fire and Theft | Third Party Property Only |
| Loss or damage to your car | Yes | Only fire and theft | – |
| New car replacement | 2 years/40,000km | – | – |
| Legal liability for damage to a third party’s car or other property | Up to $20 million | Up to $20 million | Up to $20 million |
| Damage caused by an uninsured driver | Yes | Up to $5,000 (including recovery, towing and storage costs) | Up to $5,000 (including recovery, towing and storage costs) |
| Towing | Yes | Only fire and theft | – |
| Hire car following theft | Up to $1,000 | Up to $1,000 | – |
| Replacement of stolen keys/remote | Up to $1,000 | – | – |
| Damage to your trailer or caravan in a collision | Up to $1,000 | – | – |
| Emergency transport and accommodation | $200 per day ($1,000 in total) | – | – |
| Theft or damage of personal effects in your car | Up to $500 | – | – |
| Theft or damage of child seat/baby capsule in your car | Up to $500 | – | – |
| Debris removal | Yes | Yes | Yes |
| Hire car following a no fault accident | Yes | – | – |
| The information in this table is accurate as at 04/11/2020 Terms, conditions, limits and exclusions apply. For full details, please read the Product Disclosure Statement. | |||
With Budget Direct’s smart cover options, customers can tailor a policy to their individual needs with policy features. The following are examples of some policy features, benefits and options, depending on your level of cover:
Roadside assistance can be purchased with or without a car insurance policy.
N.B. Always carefully review each policy’s Product Disclosure Statement (PDS) for full details on benefits, features, services and terms and conditions before making a decision to purchase.
Before making a claim, it’s essential you gather the following information for faster and easier lodgement:
After you’ve gathered this information, you can head online to lodge your claim and to book an assessment of your car’s damage. If you’d prefer to talk to a team member, you can call Budget Direct at any time, seven days a week.
Within two business days of lodging your claim, Budget Direct will contact you if they require any extra information and will explain the next steps of the process. If your claim is accepted, Budget Direct will either repair, replace or pay you the market or agreed value of your car, depending on your claim and your PDS.
If you’re involved in an accident and the insurer deems you not at fault and the other party is identified, you won’t have to pay any excess. In other instances, you will usually have to pay the basic excess and any other additional excesses that may apply. All excesses will be listed on your Insurance Certificate.
Additional excesses may apply when the person driving your car, who is not an excluded driver but who:
Low Kilometres Policies
Gold Low Kilometres Comprehensive policies may attract a further additional excess when the car is being driven and:
For more detailed information on excess payments, always read your policy’s PDS.
You may cancel your policy at any time. If you cancel your policy within 21 days of the purchase or renewal date (“cooling-off period”) and no claim is made you will receive a full refund of the premium you have paid.
If you cancel outside the cooling-off period, you will be refunded any premium you have paid for the unused portion of your policy, less the early cancellation fee and less any government taxes and charges.
To cancel your Budget Direct car insurance policy, call them directly. If you’re looking to switch insurers, however, try out our car insurance comparison tool to find great-value car insurance from other well-known brands.
This depends on your car’s specifications, whether it’s modified, as well as who the regular driver is, particularly if the classic or vintage car is a high-performance car. Compare Budget Direct car insurance to find out if there is a policy available for your type of car.
Switching car insurance providers is easy, as you have no obligation to stick with your current insurer – simply call up your provider and cancel your policy. To switch over to Budget Direct, or another major brand, take advantage of our free comparison service.
Start by comparing a range of policies; including premiums, features and benefits. Simply enter some relevant details into our comparison tool, as well as the level of cover you’re looking to take out for your car.
It takes only minutes to discover great-value cover that could suit you and your budget.
Note: your insurance company may charge an early cancellation fee.
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