Budget Direct Comprehensive Car Insurance

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Budget Direct

Get award-winning Car Insurance & save 15% just for quoting online

Tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft. Comes with free hail warning app.

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Budget Direct Comprehensive Car Insurance Review

Rates and fees information correct as at 16 October 2018.

Review published: 20 September 2017

What's hot:

  • 2018 Mozo Experts Choice Winner

  • 15% online discount

  • Your choice of repairer

What's not:

  • $600 unlisted driver excess

  • Up to $600 young driver excess

Mozo snapshot:

As one of the most all-encompassing policies at an affordable price, Budget Direct Comprehensive Car Insurance won a Mozo Experts Choice Award for Exceptional Value in 2018. If you’re after a car insurance policy that has you covered for a range of events and gives you a few little freedoms like choosing a repairer or whether you want to insure your car at an agreed or market value than Budget Direct Comprehensive Car Insurance is definitely worth considering.

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.

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

Product Type Overall Rating Price Features Service Claims Handling Trust
7.6

Based on 958
Budget Direct car insurance reviews

7.8 7.3 7.7 7.0 7.2

Read Budget Direct car insurance reviews by the Mozo community

Latest reviews of Budget Direct Comprehensive Car Insurance

Budget Direct

Budget Direct Comprehensive Car Insurance car insurance review

Overall rating   8 / 10

Competitive premiums

Good price. Seemingly cover what I required.

Full review

Good price. Seemingly cover what I required.

    Value for money   9 / 10

    Policy coverage   10 / 10

    Customer service   9 / 10

    Trust   8 / 10

Less

Phillip, Queensland, reviewed 7 months ago

Budget Direct

Budget Direct Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Good value for money policy.

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

Full review

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

Less

Merv, Queensland, reviewed 8 months ago

Budget Direct

Budget Direct Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Satisfied

Totally satisfied

Full review

Totally satisfied

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Estelle, New South Wales, reviewed 9 months ago

Budget Direct

Budget Direct Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Great just a phone call

Great Rates and no stress

Full review

Great Rates and no stress

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   9 / 10

    Claims handling   6 / 10

    Trust   10 / 10

Less

Sue, New South Wales, reviewed 9 months ago

Budget Direct

Budget Direct Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Great car insurer

Really easy to get a quote, .was the cheapest for me and really easy and streamlined to organise coverage!

Full review

Really easy to get a quote, .was the cheapest for me and really easy and streamlined to organise coverage!

    Value for money   10 / 10

Less

Samantha, Queensland, reviewed over 1 year ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Discounts and excesses

  • costs extra

  • $650 - $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

  • 15%

  • none

  • Maximum no claim discount protection is optional with additional premium

  • none

Service features

  • Optional Extra

  • none

  • none

Coverage summary

  • Agreed or Market

  • - within 2 years and 40,000 km of original registration

  • Up to $500 if damaged or stolen.

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

  • Up to $500

  • Reasonable towing costs. Up to $850 travel and accommodation costs (max $100 per day).

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

  • Optional Extra - Up to 14 days.

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

  • Up to $1,000.

  • Up to $1,000 if stolen.

  • Up to $500

  • Covered only if agreed in writing.

  • Up to $5,000 within 12 months of accident.

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).

(*as voted by the Mozo community)

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