Budget Direct Comprehensive Car Insurance

costs extra

Not Published

15%

Budget Direct Comprehensive Car Insurance

costs extra

Not Published

15%

Mozo Review   Budget Direct Comprehensive Car Insurance Review

Last updated: 6 September 2018.

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.

Details

Rates and fees information correct as at 21 February 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

  • $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.

(*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
7.0/10
Trust
7.2/10

Latest reviews of Budget Direct Comprehensive Car Insurance

  • 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 11 months 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 about 1 year ago

  • Overall
    10/10
    Satisfied

    Totally satisfied

    Totally satisfied

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

    Estelle | New South Wales

    reviewed about 1 year ago

  • Overall
    10/10
    Great just a phone call

    Great Rates and no stress

    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

    Sue | New South Wales

    reviewed about 1 year ago

  • Overall
    10/10
    Great car insurer

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

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

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

    Samantha | Queensland

    reviewed over 1 year ago

Budget Direct

About Budget Direct

See Budget Direct car insurance

Promoted

Budget Direct

Budget Direct

Comprehensive Car Insurance

No claim|Online discount 15%

2 to 3 minutes

costs extra

Agreed or Market

$650 - $1,850

Promoted

Youi

Youi

Comprehensive Car Insurance

20% discount on Contents Insurance if Youi Car Insurance also held

costs extra

Agreed or Market

$400 - $2,500

Optional Extra

Promoted

Bingle

Bingle

Comprehensive Car Insurance Policy

2 to 3 minutes

costs extra

Market

$650 - $795 as a fixed excess; varying between states

Promoted

Woolworths

Woolworths

Comprehensive Car Insurance

Online discount 5%|5% discount if you exclude drivers under 25|Drive Less Pay Less option to reduce premiums for limited kilometres.

2 to 3 minutes

costs extra

Agreed or Market

$500 - $5,000

Promoted

Virgin Money

Virgin Money

Comprehensive Car Insurance

No claim|Online discount 15%|Restricted Drivers Discount available

2 to 3 minutes

costs extra

Agreed or Market

$650 - $1,850

Promoted

Real Insurance

Real Insurance

Comprehensive Car Insurance

Online discount 5%|Additional 5% discount for people over 25.

6 to 8 minutes

costs extra

Agreed or Market

$500 - $5,000