Thumbnail icon for Budget Direct

Budget Direct Comprehensive Car Insurance

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: 10 September 2020.

binocular icon
What's hot
  • 2019 Insurer of the Year
  • Your choice of repairer
  • 15% online discount
  • 2019 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 2019 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  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.

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 21 September 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

  • Maximum no claim discount protection is optional with additional premium

  • 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 14 days, max $1,000 total.

  • Not 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.

  • 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
7.1/10
Customer service
7.5/10
Claims handling
6.6/10
Trust
7.0/10

Latest reviews of Budget Direct Comprehensive Car Insurance

  • Overall 9/10
    Best insurer.

    Budget direct has attended to my needs. They have been comprehensive in ensuring adequate disclosure and in personalising insurance for me. I also have road side assist and have used it four times. Twice because of silliness (my first V8 and they suck a lot of energy with doors opened for some reason; or the alternator problem I went on to have so I have flattened the battery twice.) On the other two occasions my car was accessed and then on a subsequent occasion suitable to me they came out again, towed the car away, and put in a new alternator. I was not charged nor treated foolishly.

    Read full review

    Budget direct has attended to my needs. They have been comprehensive in ensuring adequate disclosure and in personalising insurance for me. I also have road side assist and have used it four times. Twice because of silliness (my first V8 and they suck a lot of energy with doors opened for some reason; or the alternator problem I went on to have so I have flattened the battery twice.) On the other two occasions my car was accessed and then on a subsequent occasion suitable to me they came out again, towed the car away, and put in a new alternator. I was not charged nor treated foolishly.

    Value for money
    9/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    9/10
    Less
    Helen, Victoria reviewed 5 days ago
  • Overall 1/10
    Biggest joke of an insurer

    Tried taking out a new policy for a stock 09 XR6T Ute, after going through 20 mins of questions only to be told it’s “too high powered for someone under 50” and that I don’t meet their criteria despite having no claims/issues ever. If 270kw is high powered then I’ve been driving the wrong cars my entire life.

    Read full review

    Tried taking out a new policy for a stock 09 XR6T Ute, after going through 20 mins of questions only to be told it’s “too high powered for someone under 50” and that I don’t meet their criteria despite having no claims/issues ever. If 270kw is high powered then I’ve been driving the wrong cars my entire life.

    Value for money
    -1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    -1/10
    Trust
    1/10
    Less
    Aarom, Victoria reviewed 11 days ago
  • Overall 1/10
    Very dissapointed with this company

    This would have to be the worst insurance company ever. The assessor that sighted our car was rude and didn't even introduce himself. He questioned why I was taking my car to a certain repairer and claims the accident wasn't consistent. I never smashed the car, someone drove into me, hence the third party. The manager wouldn't call me back, only sent an email. I've now had to go to my own insurance company to get this repaired when I wasn't at fault. Do not use this company.

    Read full review

    This would have to be the worst insurance company ever. The assessor that sighted our car was rude and didn't even introduce himself. He questioned why I was taking my car to a certain repairer and claims the accident wasn't consistent. I never smashed the car, someone drove into me, hence the third party. The manager wouldn't call me back, only sent an email. I've now had to go to my own insurance company to get this repaired when I wasn't at fault. Do not use this company.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Patrizia, New South Wales reviewed 21 days ago
  • Overall 9/10
    Great product and affordable.

    Fast and cheap compared to others.

    Read full review

    Fast and cheap compared to others.

    Value for money
    10/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Yoganand, Western Australia reviewed 26 days ago
  • Overall 9/10
    Good reliability and value for money.

    Good value for money. Always willing to access new policy costs. Also a great reputation for being a good insurer.

    Read full review

    Good value for money. Always willing to access new policy costs. Also a great reputation for being a good insurer.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    9/10
    Less
    Kim, Queensland reviewed 28 days ago
Budget Direct

About Budget Direct

See Budget Direct car insurance