Mozo Review Budget Direct Comprehensive Car Insurance Review
Last updated: 26 September 2019.
2019 Insurer of the Year
Your choice of repairer
15% online discount
2019 Mozo Experts Choice Award
$600 unlisted driver excess
Up to $600 young driver excess
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.
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.
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.
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
$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)
up to 15%
Maximum no claim discount protection is optional with additional premium
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)
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