Are you after a car insurance policy that has you covered for a range of events, offers new-for-old car replacement, contents cover and a choice between insuring your ride for agreed or market price? Well then, the Gold Comprehensive Car Insurance policy which was awarded the Mozo Experts Choice Award for Value Insurer of the Year 2020, might just be worth considering.
With Budget Direct’s Gold 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 (up to $500) as well as any other personal property worth another $500. You can also enjoy the peace of mind of knowing that you have $1,000 up your insurance sleeve to cover stolen or lost car keys.
If your car is written-off, Budget Direct will replace it with a brand new set of wheels as long as it's under two years old or has less than 40,0000km on the clock since the original registration. You'll also be set for a hire car for 14 days after a theft and a not-at-fault accident. Just remember you'll have to opt-in for this cover if you're responsible for the damages caused to your vehicle.
There are a couple other features that don’t come as standard with this policy. Roadside assistance is an optional extra, which will cost you an additional $89.95 per year. Other optional extras include reduced-excess windscreen cover (which might be useful if you regularly drive on rough or unsealed roads).
Finally, if you buy Budget Direct Comprehensive Car Insurance online, you'll be able to receive a 15% discount on your first year's premium.
Budget Direct Gold 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 Published | |
| n/a | |
| up to 15% | |
| n/a | |
| n/a | |
| n/a |
| Optional Extra | |
| Optional Extra | |
| Yes | |
| n/a | |
| n/a |
| Agreed or Market | |
| Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first | |
| Up to $500 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 $1,000 travel and accommodation costs (max $200 per day). | |
| Yes - Up to 14 days, max $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 $1,000. | |
| Up to $1,000 if stolen. | |
| Up to $500 | |
| Covered only if agreed in writing. | |
| $5,000 within 12 months of accident. | |
| No |
*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Very low class service more than 25 days still my car not fixed well, just they fixed outer body and say your car is fixed two times I send my car back but they didn't fix well, mechanically they didn't check once, lot of issues but they don't care even it's not my fault just make mistake I have buy insurance from budget direct, really depressed from them. In the last they say fix your car on your own cost. What a service, it's better buy insurance from NRMA or Allianz. So I complain here about my insurance company hopefully AFCA department helps me.
Read full reviewVery low class service more than 25 days still my car not fixed well, just they fixed outer body and say your car is fixed two times I send my car back but they didn't fix well, mechanically they didn't check once, lot of issues but they don't care even it's not my fault just make mistake I have buy insurance from budget direct, really depressed from them. In the last they say fix your car on your own cost. What a service, it's better buy insurance from NRMA or Allianz. So I complain here about my insurance company hopefully AFCA department helps me.
I had been with Budget direct for my car insurance for over 11 years. One minor claim made during this time when I dented one of the doors which was easy to claim online. However, recently I bought a brand new car and contacted them to get a quote. The guys I spoke with (let's call him "D") at 2:58 pm on 31/5/21 took information about the new car in detail. Too much detail. He asked about specs for the car I had no idea about. 23 mins he asked & I answered to the best of my knowledge but once you start talking about motor this engine that suspension stuff I have no idea. I mentioned a few times that I would like the same as my current policy set up when he asked specific questions about mileage etc. He repeatedly said he could not access my existing policy and that I would need to tell him. Then he had to call me back because he needed to check, and I quote, "whether we will cover your car or not". He called back at 4:32pm and started asking more questions. At this point, I repeated that I was only looking for a quote to compare so just make it out to me and send the quote. He said the name of the person currently on my insurance policy. (I thought he didn't have access to my existing policy?) He then gave me false information. He said, and I quote, "anyone living under the same roof must be included in the policy or else we won't cover you". He was becoming argumentative when I asked what if I didn't want anyone else driving my brand new car as yet. Apparently, according to him, it didnt matter and he said it had to be done. At this point, I sternly told D to send me a quote based on the information I have provided thus far and just include me in the policy. I couldn't believe how rude he was and I felt so angry after the call. Later I received email confirmation that a NEW policy has been added to my existing policy, my existing policy was amended and the other person from my existing policy was included in the NEW policy! I had to contact them again to get them to remove the new policy - I had only asked for a quote but instead, D had completed and set up a new policy in my account ready for the first annual payment to occur in a week. There was no apology from the next person who had to correct everything, only saying that it was a system thing.
Read full reviewI had been with Budget direct for my car insurance for over 11 years. One minor claim made during this time when I dented one of the doors which was easy to claim online. However, recently I bought a brand new car and contacted them to get a quote. The guys I spoke with (let's call him "D") at 2:58 pm on 31/5/21 took information about the new car in detail. Too much detail. He asked about specs for the car I had no idea about. 23 mins he asked & I answered to the best of my knowledge but once you start talking about motor this engine that suspension stuff I have no idea. I mentioned a few times that I would like the same as my current policy set up when he asked specific questions about mileage etc. He repeatedly said he could not access my existing policy and that I would need to tell him. Then he had to call me back because he needed to check, and I quote, "whether we will cover your car or not". He called back at 4:32pm and started asking more questions. At this point, I repeated that I was only looking for a quote to compare so just make it out to me and send the quote. He said the name of the person currently on my insurance policy. (I thought he didn't have access to my existing policy?) He then gave me false information. He said, and I quote, "anyone living under the same roof must be included in the policy or else we won't cover you". He was becoming argumentative when I asked what if I didn't want anyone else driving my brand new car as yet. Apparently, according to him, it didnt matter and he said it had to be done. At this point, I sternly told D to send me a quote based on the information I have provided thus far and just include me in the policy. I couldn't believe how rude he was and I felt so angry after the call. Later I received email confirmation that a NEW policy has been added to my existing policy, my existing policy was amended and the other person from my existing policy was included in the NEW policy! I had to contact them again to get them to remove the new policy - I had only asked for a quote but instead, D had completed and set up a new policy in my account ready for the first annual payment to occur in a week. There was no apology from the next person who had to correct everything, only saying that it was a system thing.
Terrible customer service and awful on the two claims we made. Broke down ~5 km from Sydney CBD. Took 4 hours to arrange a tow. Lied to us on several occasions, claimed tow truck broke down on the way to us. Next claim car was totalled by someone rear ending us. Took over a week to get us a rental. Then two weeks to assess damage. We were told we had rental car for 20 days. Then after they assessed the damage we were told we had 24 h to return the rental after less than half of the 20 days we were told we would have the car. We were covered for the claims we made but the delays and awful customer service were almost not worth it.
Read full reviewTerrible customer service and awful on the two claims we made. Broke down ~5 km from Sydney CBD. Took 4 hours to arrange a tow. Lied to us on several occasions, claimed tow truck broke down on the way to us. Next claim car was totalled by someone rear ending us. Took over a week to get us a rental. Then two weeks to assess damage. We were told we had rental car for 20 days. Then after they assessed the damage we were told we had 24 h to return the rental after less than half of the 20 days we were told we would have the car. We were covered for the claims we made but the delays and awful customer service were almost not worth it.
Should have done my research first on Budget. Took out this policy 12 days ago and unfortunately had a no fault accident. Since then I have been treated like a criminal for an accident that was not our fault. Had a no fault accident 3 days ago and as of today, the car is non drivable, sitting in my driveway, claim not approved. Was told the car would be towed away in 48 hours and nothing. Told them there will be more damage with rain and they don’t care. I asked if I could have the car sent to my repairer ASAP but refused because I didn’t pick “repairer of choice”. Well, was the opinion given over the phone?? Only car hire was! Have sent all documents including witness details who have video footage of the accident and still nothing. Rang the complaints and they refused. They don’t realise that what they do affects people’s life and mental health. Never had this problem with Allianz and NRMA. Only went with them because I could afford it.
Read full reviewShould have done my research first on Budget. Took out this policy 12 days ago and unfortunately had a no fault accident. Since then I have been treated like a criminal for an accident that was not our fault. Had a no fault accident 3 days ago and as of today, the car is non drivable, sitting in my driveway, claim not approved. Was told the car would be towed away in 48 hours and nothing. Told them there will be more damage with rain and they don’t care. I asked if I could have the car sent to my repairer ASAP but refused because I didn’t pick “repairer of choice”. Well, was the opinion given over the phone?? Only car hire was! Have sent all documents including witness details who have video footage of the accident and still nothing. Rang the complaints and they refused. They don’t realise that what they do affects people’s life and mental health. Never had this problem with Allianz and NRMA. Only went with them because I could afford it.
So far so good for BD. They were easy to quote and apply online and luckily I haven't had to claim. I like having all my insurance in the one place and it's easy to view and access online.
Read full reviewSo far so good for BD. They were easy to quote and apply online and luckily I haven't had to claim. I like having all my insurance in the one place and it's easy to view and access online.