Budget Direct logo Mozo experts choice 2020

Budget Direct Comprehensive Car Insurance

Advertiser disclosure
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
up to 15%
Choice of repairer
Optional Extra
Go to site

Mozo editorial review Budget Direct Comprehensive Car Insurance

Last updated: 1 October 2020.

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What's hot
  • 2020 Value Insurer of the Year
  • Your choice of repairer
  • 15% online discount
  • 2020 Mozo Experts Choice Award
What's not
  • $600 unlisted driver excess
  • Up to $600 young driver excess
Mozo snapshot

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

The policy was even awarded a 2020 Mozo Experts Choice Award in the Exceptional Value Car Insurance category, so you know you're getting great value for money. 

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Key features

With Budget Direct’s Comprehensive Car Insurance you get quality cover for not only your car but also the things inside it. 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. You can also enjoy the peace of mind of having $1,000 up your insurance sleeve to cover stolen or lost 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 under one years old or has less than 20,0000km on the clock since the original registration. Plus, if you buy Budget Direct Comprehensive Car Insurance online, you’ll be be able to receive a 15% discount on your first year's 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.

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Who is it 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.

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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 20 January 2021. 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
  • Yes 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

  • n/a

  • n/a

Service features
  • Optional Extra

  • Optional Extra

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • Yes - 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).

  • Yes - Up to $1,000 total.

  • Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.

  • 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.

  • No

  • No

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).

Customer Reviews

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

Overall
7.3/10
Value for money
7.6/10
Policy coverage
7.2/10
Customer service
7.4/10
Claims handling
6.6/10
Trust
7.0/10

Latest reviews of Budget Direct Comprehensive Car Insurance

  • Overall 1/10
    Hope your car never gets stolen.

    Got my car stolen. Made a claim. They forgot about my car and had to call to see what was happening after a week of not hearing. Miscommunication between insurance and assessor leading to more time without car. Then got told my rating got changed to 3 saying I was at fault because they hadn’t caught the thieves. Renewal time and got told they won’t renew my insurance.

    Read full review

    Got my car stolen. Made a claim. They forgot about my car and had to call to see what was happening after a week of not hearing. Miscommunication between insurance and assessor leading to more time without car. Then got told my rating got changed to 3 saying I was at fault because they hadn’t caught the thieves. Renewal time and got told they won’t renew my insurance.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    3/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Tracey, Queensland reviewed 9 days ago
  • Overall 1/10
    Not able to receive refund for year claim

    If you are to make a claim on your car whether at fault or not you will not receive a refund when cancelling your policy. I was involved in a not at fault accident in which I organised for my car to be fixed through budget direct in which they sent the other insurance company the bill for. Even though at the end of the day they got their money back for fixing the car and I did not have to pay an excess due to not being at fault I am unable to receive any of my money back for the year that I paid for. Will not be going through budget direct again.

    Read full review

    If you are to make a claim on your car whether at fault or not you will not receive a refund when cancelling your policy. I was involved in a not at fault accident in which I organised for my car to be fixed through budget direct in which they sent the other insurance company the bill for. Even though at the end of the day they got their money back for fixing the car and I did not have to pay an excess due to not being at fault I am unable to receive any of my money back for the year that I paid for. Will not be going through budget direct again.

    Value for money
    1/10
    Policy coverage
    3/10
    Customer service
    -1/10
    Claims handling
    3/10
    Trust
    1/10
    Less
    Jade, New South Wales reviewed 28 days ago
  • Overall 9/10
    Best priced.

    Good balance of cover and price. Highly competitive pricing. Found their customer service to be pretty decent, no long wait times and no fiddling around.

    Read full review

    Good balance of cover and price. Highly competitive pricing. Found their customer service to be pretty decent, no long wait times and no fiddling around.

    Value for money
    9/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    8/10
    Trust
    8/10
    Less
    Ivana, New South Wales reviewed about 1 month ago
  • Overall 10/10
    The best known and trusted brands in Australia

    Always the cheapest for our insurance and when we had to claim it was easy and fast no fuss. Would not go anywhere else.

    Read full review

    Always the cheapest for our insurance and when we had to claim it was easy and fast no fuss. Would not go anywhere else.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Frank, Victoria reviewed about 1 month ago
  • Overall 1/10
    Don’t chose Budget Direct, terrible customer care

    They have the cheapest car insurance and I understand why. Wouldn’t recommend Budget Direct to my worst enemy.

    Read full review

    They have the cheapest car insurance and I understand why. Wouldn’t recommend Budget Direct to my worst enemy.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Sheree, Queensland reviewed about 1 month ago
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About Budget Direct

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