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 $79.95 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 on the provider's website for further information before making any decisions about an insurance product.
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).
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.
Don’t do it went for the roadside assistance and have been waiting 3 hours to be picked up. Only needed to go 7kms down the road. I could have dragged the car quicker.
Read full reviewDon’t do it went for the roadside assistance and have been waiting 3 hours to be picked up. Only needed to go 7kms down the road. I could have dragged the car quicker.
Just testing to see how this review system works
Read full reviewJust testing to see how this review system works
Great with the flashy emails for gift cards and discounts if you sign up. But then they say you aren’t eligible after the fact.
Read full reviewGreat with the flashy emails for gift cards and discounts if you sign up. But then they say you aren’t eligible after the fact.
