Budget Direct Comprehensive Car Insurance

costs extra

Not Published

up to 15%

Budget Direct Comprehensive Car Insurance

costs extra

Not Published

up to 15%

Mozo Review   Budget Direct Comprehensive Car Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 2019 Insurer of the Year

  • Your choice of repairer

  • 15% online discount

  • 2019 Mozo Experts Choice Award

What's not:
  • $600 unlisted driver excess

  • Up to $600 young driver excess

Mozo snapshot:

If you’re after a car insurance policy that has you covered for a range of events and gives you the freedom of being able to  choose your repairer, or whether you want to insure your car at an agreed or market value, then the Comprehensive Car Insurance policy from 2019 Insurer of the Year Budget Direct is definitely worth considering.

The policy was even awarded a 2019 Mozo Experts Choice Award in the Exceptional Value Car Insurance category, so you know you're getting great value for money. 

Key features:

With Budget Direct’s Comprehensive Car Insurance you get quality cover for not only your car but the things that go in it too. If you have any young children, this policy will cover the cost to replace baby seats or capsules as well as any other personal property up to the value of $500 and you can also enjoy the peace of mind that comes with knowing you won’t have to fork out the necessary funds to replace any stolen car keys.

If your car is written off, not only can you enjoy the convenience of a 24/7 claims service but Budget Direct will replace your totalled car with a brand new set of wheels as long as it is less than 2 years old and has less than 40,000kms on the clock. Plus, if you buy Budget Direct Comprehensive Car Insurance online, you’ll be handed a 15% discount on your annual premium.

There are a couple features that don’t come as standard with this policy, however. Roadside assistance is an additional extra and while the costs to hire a rental if your car is stolen comes as standard, you’ll have to elect for rental costs following an accident to be covered as another additional extra.

Who it's good for:

Budget Direct Comprehensive Car Insurance is available across all of Australia, so if you are looking for a comprehensive level of cover at an affordable price tag, this could be the perfect policy for you.

Any catches?

Be aware of a couple of additional excesses when taking out this policy. Firstly, if a driver who isn’t listed on your policy is involved in an accident you’ll have to pay a $600 excess and if that driver is under the age of 25 you’ll have as much as an additional $600 young driver excess to pay out of your own pocket.

Details

Rates and fees information correct as at 18 October 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • costs extra

  • $500 - $1,850

  • $600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers over 24.

  • Not disclosed (NT)
    Not disclosed (WA)
    Not disclosed (VIC)
    Not disclosed (TAS)
    Not disclosed (NSW)
    Not disclosed (SA)
    Not disclosed (QLD)
    Not disclosed (ACT)

  • 5 years

  • up to 15%

  • n/a

  • Maximum no claim discount protection is optional with additional premium

  • n/a

Service features
  • Optional Extra

  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • - within 1 years and 20,000 km of original registration

  • Up to $250 if damaged.

  • Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.

  • Up to $500

  • Reasonable towing costs. Up to $300 travel and accommodation costs (max $100 per day).

  • - Up to 14 days, max $1,000 total.

  • t at fault - Yes. At fault - Optional Extra. Up to 14 days.

  • Yes - legal liability cover when using a substitute vehicle.

  • Up to $500.

  • Up to $1,000 if stolen.

  • Up to $250

  • Covered only if agreed in writing.

(*as voted by the Mozo community)

Customer Reviews

How are Budget Direct car insurance rated by the Mozo community?

Overall customer rating
7.6/10
Value for money
7.8/10
Policy coverage
7.3/10
Customer service
7.7/10
Claims handling
6.9/10
Trust
7.2/10

Latest reviews of Budget Direct Comprehensive Car Insurance

  • Overall
    1/10
    Not great

    They are increasing their pricing every year

    They are increasing their pricing every year

    Value for money
    3/10
    Policy coverage
    1/10
    Customer service
    3/10
    Claims handling
    1/10
    Trust
    2/10

    Doug | New South Wales

    reviewed 8 days ago

  • Overall
    9/10
    Lowest premium

    I just transferred to budget direct because they are the one with the lowest rate.

    I just transferred to budget direct because they are the one with the lowest rate.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    -1/10
    Trust
    8/10

    Roberto | New South Wales

    reviewed 17 days ago

  • Overall
    9/10
    Cheap premiums, good cover & service

    Their premiums are cheap, the cover and service is good.

    Their premiums are cheap, the cover and service is good.

    Value for money
    10/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    -1/10
    Trust
    10/10

    Viktor | South Australia

    reviewed 29 days ago

  • Overall
    8/10
    Competitive premiums

    Good price. Seemingly cover what I required.

    Good price. Seemingly cover what I required.

    Value for money
    9/10
    Policy coverage
    10/10
    Customer service
    9/10
    Claims handling
    -1/10
    Trust
    8/10

    Phillip | Queensland

    reviewed over 1 year ago

  • Overall
    10/10
    Good value for money policy.

    Good service and good fees. Good coverage. Helpful staff.

    Good service and good fees. Good coverage. Helpful staff.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Merv | Queensland

    reviewed over 1 year ago

Budget Direct

About Budget Direct

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