Thumbnail icon for Budget Direct

Budget Direct Comprehensive Car Insurance

Monthly premiums available
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: 14 May 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 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.

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 2 June 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
  • 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

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • - 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).

  • - 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

*as voted by the Mozo community

Customer Reviews

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

Overall customer rating
7.5/10
Value for money
7.7/10
Policy coverage
7.3/10
Customer service
7.6/10
Claims handling
6.8/10
Trust
7.1/10

Latest reviews of Budget Direct Comprehensive Car Insurance

  • Overall 0/10
    Not a great coverage despite comprehensive ins.

    I have never experienced such a disrespectful and unqualified customer service. Two weeks after lodging a claim after an accident (that I didn't cause) in which my car has been written off, I still haven't recovered any money and worse, I have had to contact them repeatedly and have been transferred to so many departments, all for the same result, none. Most of their employees have been unable to explain to me where the claim was and how I could recover any money but worse than just being unhelpful, they have been so unsympathetic and at times ironic. Also, you will note that despite being not at fault and having my car written off, the insurance is now asking me to pay upfront the rest of the year with us, as if my car was still insured. I will never use them ever again.

    Read full review

    I have never experienced such a disrespectful and unqualified customer service. Two weeks after lodging a claim after an accident (that I didn't cause) in which my car has been written off, I still haven't recovered any money and worse, I have had to contact them repeatedly and have been transferred to so many departments, all for the same result, none. Most of their employees have been unable to explain to me where the claim was and how I could recover any money but worse than just being unhelpful, they have been so unsympathetic and at times ironic. Also, you will note that despite being not at fault and having my car written off, the insurance is now asking me to pay upfront the rest of the year with us, as if my car was still insured. I will never use them ever again.

    Value for money
    1/10
    Policy coverage
    3/10
    Customer service
    0/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Nicole, Victoria reviewed 22 days ago
  • Overall 7/10
    Customer service was very smooth and easy

    I randomly chose this provider and asked for a bundle with car and house contents. Was affordable.

    Read full review

    I randomly chose this provider and asked for a bundle with car and house contents. Was affordable.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    7/10
    Claims handling
    -1/10
    Trust
    -1/10
    Less
    Glenn, South Australia reviewed 25 days ago
  • Overall 5/10
    Go somewhere else.

    Seem very sketchy. Tried to get me to pay my excess of $1100 even though I wasn't at fault or even in my car.

    Read full review

    Seem very sketchy. Tried to get me to pay my excess of $1100 even though I wasn't at fault or even in my car.

    Value for money
    4/10
    Policy coverage
    4/10
    Customer service
    9/10
    Claims handling
    3/10
    Trust
    3/10
    Less
    Frankie, Victoria reviewed about 1 month ago
  • Overall 1/10
    They are good if you never have to use insurance.

    Had insurance with them for a couple of years then I had my car stolen (thieves broke into my house at night and stole my car keys then stole my car). I made a claim, all went well, damages repaired etc. (although it did take two months to get the car back after it was located). Then BD refused to renew my insurance policy based on my 'claims history.'

    Read full review

    Had insurance with them for a couple of years then I had my car stolen (thieves broke into my house at night and stole my car keys then stole my car). I made a claim, all went well, damages repaired etc. (although it did take two months to get the car back after it was located). Then BD refused to renew my insurance policy based on my 'claims history.'

    Value for money
    9/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    6/10
    Trust
    1/10
    Less
    Bo b, Queensland reviewed about 1 month ago
  • Overall 0/10
    Overcharging Rip Off!

    These rip off merchants just called me to tell me that there are cancelling my policy due to the type of car I have but now want to charge me over 35% of the cost I have already paid for the privilege of cancelling the policy that has been held for 1 month.

    Read full review

    These rip off merchants just called me to tell me that there are cancelling my policy due to the type of car I have but now want to charge me over 35% of the cost I have already paid for the privilege of cancelling the policy that has been held for 1 month.

    Value for money
    0/10
    Policy coverage
    0/10
    Customer service
    2/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Carl, New South Wales reviewed about 2 months ago
Budget Direct

About Budget Direct

See Budget Direct car insurance