Budget Direct car insurance

Budget Direct
Budget Direct's overall rating for car insurance

(as rated by the Mozo community)

7.4 / 10

based on 1040 reviews

Budget Direct has been offering Aussies peace of mind with its insurance policies since 2000 and have since insured over 3 million people. Its policies are underwritten by Australian based Auto & General Insurance Company Limited.

So if you want a simple, smart option for insuring your wheels, check out the car insurance on offer from Budget Direct.

Budget Direct offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer  

Yes costs extra

Not Published

up to 15%

Optional Extra

Go to site

Yes costs extra

Not Published

up to 15%

Optional Extra

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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Frequently asked questions about Budget Direct car insurance

Should I opt for the low or high excess option?

When you take out just about any kind of insurance, you may have the option to choose a low or high excess, and car insurance is no different.

The excess is the amount you need to pay before you can get any money from your insurance cover, when making a claim. For example, if your excess is $200, and you’re claiming damages worth $600, you’ll pay the first $200 and your insurance company will pay the remaining $400.

With a Budget Direct policy, you can choose the level of your excess - if you go for a low excess, you’ll likely pay a higher premium, and vice versa.

Top tip: You won’t have to pay the excess on any claim when it’s a no-fault accident with another car, and the claim is worth more than the basic excess amount.

How is my premium calculated?

Generally speaking, your premium is calculated on the likelihood of you making a claim - the more likely you are to claim, the higher your premium will be.

But how does an insurer know if you are likely to make a claim? They base it mostly on details about your past as a driver and what kind of car you're insuring. Details that might affect your Budget Direct insurance premium include:

How can I pay my premium?

There are a number of ways to pay for your Budget Direct car insurance. You can choose to pay your premium annually, monthly or fortnightly, and payment methods include by direct debit, credit card or PayPal when you buy online.

What discounts are available?

Discounts can make a huge difference in what you’re paying for your car insurance policy! With Budget Direct, you’ll get a hefty discount when you buy online, and you can also cash in on a no claims discount. How much your no claims discount is worth will depend on which state you live in.

What cover do I have in an emergency?

Your Budget Direct car insurance policy includes cover for alternate transport and accommodation in case of an emergency. But keep in mind that roadside assistance is an extra you would have to opt into, and your cover does not extend to any emergency repairs that you have done without an assessment. So if your car is damaged, make sure you contact Budget Direct before going ahead with any repairs, to be sure the costs will be covered by your insurance.

What optional extras can I add to my car insurance?

As mentioned above, roadside assistance is an optional extra that you can choose to add to your Budget Direct insurance policy. Others include cover for the cost of a rental car after you have an accident, and any special modifications on your car, which are only covered if it’s written in your insurance agreement.

Just remember: all these optional covers will usually mean that you pay a higher premium

How is Budget Direct rated by customers?

Want to know what Aussie drivers think of Budget Direct car insurance? You can find out in our customer review section, where everyday Aussies have rated their Budget Direct experience in terms of things like customer service, trust and convenience. 

How to make a claim

To make a claim on your Budget Direct car insurance, you can either call or go online and lodge a claims form. To make sure the process goes as smoothly as possible, try to have a few key details on hand, including:

If the accident involved another driver, make sure you get their details. It’s also a good idea to get the details of any witnesses if possible. Here’s a checklist of the information you should ask for:

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