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.
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 two years old or has less than 40,0000km 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.
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.
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
Optional Extra
Optional Extra
Yes
n/a
n/a
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
Budget Direct has pretty good customer service and the product is good value for money. It is perfect for people who have standard basic car and don't require extra fancy features on their policy.
Read full reviewBudget Direct has pretty good customer service and the product is good value for money. It is perfect for people who have standard basic car and don't require extra fancy features on their policy.
I had to submit a not-at-fault claim for my car after an accident. The repairer that I had been sent to was terrible - they promised to keep me informed of the process, but I never ever got a call from them. The insurer was just as bad with promised phone calls that I never received. Every time I chased up to get an update I had to explain the situation over and over again. I had been told that my car was being repaired and would be ready soon to be collected. After another promised phone call that I never received I had been told that my car was going to be written off. After getting over the initial shock of being told this, I called back in, explained my situation again, then was told my car was still being repaired and the parts were due for delivery in a couple of days and was promised another phone call. After not receiving the phone call update yet again I called and after insisting several times to speak with a manager (and being hung up on in the process). I finally got a manager who confirmed they would see the process through. I thought I was getting some resolution, however after even more chasing and further promises of my car being repaired I was again advised that my car was being written off and conveniently the manager that I had been speaking with was unavailable and was on leave. When I was told to collect my belongings from my car, I was told that my car would be held by the repairer until I had confirmed that I had done so. When I arrived at the repairer that same day, I was told my car had been sent to the wreckers already. Both the insurer and the repairer blamed each other for confirming to send the car to the wreckers before I could collect any of my belongings.
Read full reviewI had to submit a not-at-fault claim for my car after an accident. The repairer that I had been sent to was terrible - they promised to keep me informed of the process, but I never ever got a call from them. The insurer was just as bad with promised phone calls that I never received. Every time I chased up to get an update I had to explain the situation over and over again. I had been told that my car was being repaired and would be ready soon to be collected. After another promised phone call that I never received I had been told that my car was going to be written off. After getting over the initial shock of being told this, I called back in, explained my situation again, then was told my car was still being repaired and the parts were due for delivery in a couple of days and was promised another phone call. After not receiving the phone call update yet again I called and after insisting several times to speak with a manager (and being hung up on in the process). I finally got a manager who confirmed they would see the process through. I thought I was getting some resolution, however after even more chasing and further promises of my car being repaired I was again advised that my car was being written off and conveniently the manager that I had been speaking with was unavailable and was on leave. When I was told to collect my belongings from my car, I was told that my car would be held by the repairer until I had confirmed that I had done so. When I arrived at the repairer that same day, I was told my car had been sent to the wreckers already. Both the insurer and the repairer blamed each other for confirming to send the car to the wreckers before I could collect any of my belongings.
I would 100% recommend Budget Direct car insurance. They always keep my premiums low, the staff are always very friendly and super helpful, it is also extremely easy to change any details like address on your policy.
Read full reviewI would 100% recommend Budget Direct car insurance. They always keep my premiums low, the staff are always very friendly and super helpful, it is also extremely easy to change any details like address on your policy.
Competitive pricing, thorough insurance coverage, fantastic customer service.
Read full reviewCompetitive pricing, thorough insurance coverage, fantastic customer service.
They are very good value for money. However when I had a claim the claim manager did try push me to see someone really far from my house. I tried to tell them it was too far and they did not care. Once I explained it was going to be a 2 hour drive from my house and I would rather pick my own garage they agreed although warned me it may take a bit longer.
Read full reviewThey are very good value for money. However when I had a claim the claim manager did try push me to see someone really far from my house. I tried to tell them it was too far and they did not care. Once I explained it was going to be a 2 hour drive from my house and I would rather pick my own garage they agreed although warned me it may take a bit longer.
