Thumbnail icon for Budget Direct

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.

binocular icon
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. 

key icon
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.

snapshot
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.

snapshot
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 4 December 2020. 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
7.4/10
Value for money
7.6/10
Policy coverage
7.2/10
Customer service
7.5/10
Claims handling
6.6/10
Trust
7.0/10

Latest reviews of Budget Direct Comprehensive Car Insurance

  • Overall 1/10
    Budget Direct rip off.

    Claimed on a no fault car accident, premium went up $300 next renewal. Recently my son was car jacked, the police caught the thief and charged them, Budget refused to renew his policy but fix the car but only minor scratches. Would only give half of the excess back after a lot of complaining and the threat of legal action. This was my son's only claim. Buyer beware, this company is shonky.

    Read full review

    Claimed on a no fault car accident, premium went up $300 next renewal. Recently my son was car jacked, the police caught the thief and charged them, Budget refused to renew his policy but fix the car but only minor scratches. Would only give half of the excess back after a lot of complaining and the threat of legal action. This was my son's only claim. Buyer beware, this company is shonky.

    Value for money
    1/10
    Policy coverage
    4/10
    Customer service
    3/10
    Claims handling
    5/10
    Trust
    2/10
    Less
    Paul, New South Wales reviewed about 11 hours ago
  • Overall 5/10
    There's nothing budget about budget direct!

    Budget Direct is an ironic insurer for my little tin car, as there seems to be nothing budget about it! I have a little grey Mazda, affectionately known at Tinny, which is not worth much but I seem to pay a lot in insurance! In the few instances I've had to lodge a claim, it has taken the Budget Direct team quite some time to respond to me, as well as dealing with a lot of long lines and red tape! I wouldn't recommend Budget Direct to my friends or colleagues, unless they lower their budget, in which case they'd have to name it something else!

    Read full review

    Budget Direct is an ironic insurer for my little tin car, as there seems to be nothing budget about it! I have a little grey Mazda, affectionately known at Tinny, which is not worth much but I seem to pay a lot in insurance! In the few instances I've had to lodge a claim, it has taken the Budget Direct team quite some time to respond to me, as well as dealing with a lot of long lines and red tape! I wouldn't recommend Budget Direct to my friends or colleagues, unless they lower their budget, in which case they'd have to name it something else!

    Value for money
    5/10
    Policy coverage
    -1/10
    Customer service
    3/10
    Claims handling
    3/10
    Trust
    4/10
    Less
    India, New South Wales reviewed about 12 hours ago
  • Overall 10/10
    Very affordable across all insurance policies

    All my insurance policies are with Budget Direct.

    Read full review

    All my insurance policies are with Budget Direct.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Suzi, New South Wales reviewed 1 day ago
  • Overall 8/10
    Great policy for those looking to save money

    Pros: great coverage, decent price, good customer service Cons: none that I know of as yet!

    Read full review

    Pros: great coverage, decent price, good customer service Cons: none that I know of as yet!

    Value for money
    8/10
    Policy coverage
    7/10
    Customer service
    -1/10
    Claims handling
    -1/10
    Trust
    7/10
    Less
    Dominic, Australian Capital Territory reviewed 7 days ago
  • Overall 8/10
    Budget direct is trustworthy and reliable

    I have always found budget direct to be trustworthy and reliable. They handled my claim with no issues or worries.

    Read full review

    I have always found budget direct to be trustworthy and reliable. They handled my claim with no issues or worries.

    Value for money
    6/10
    Policy coverage
    7/10
    Customer service
    10/10
    Claims handling
    8/10
    Trust
    8/10
    Less
    Zara, New South Wales reviewed 9 days ago
Budget Direct

About Budget Direct

See Budget Direct car insurance