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 from 2021 Value Insurance Provider of the Year, Budget Direct, 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 could cover the cost to replace baby seats or capsules (up to $500) as well as any other personal property worth another up to $500. You can also enjoy the peace of mind of knowing that you have up to $1,000 in your insurance back pocket 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 40,000km 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.
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Yes costs extra |
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$500 - $1,850 |
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$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers over 24. |
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Not Published |
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n/a |
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up to 15% |
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n/a |
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n/a |
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n/a |
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Optional Extra |
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Optional Extra |
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Yes |
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n/a |
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n/a |
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Agreed or Market |
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Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first |
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Up to $500 if damaged. |
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Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium. |
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Up to $500 |
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Reasonable towing costs. Up to $1,000 travel and accommodation costs (max $200 per day). |
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Yes - Up to 14 days, max $1,000 total. |
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Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents. |
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Yes - legal liability cover when using a substitute vehicle. |
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Up to $1,000. |
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Up to $1,000 if stolen. |
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Up to $500 |
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Covered only if agreed in writing. |
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$5,000 within 12 months of accident. |
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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.
I was hit and put a claim through. Thinking this was going to be a long and painful process. I was so wrong! Easy, great communication and got my claim sorted within 48 hours
Read full reviewI was hit and put a claim through. Thinking this was going to be a long and painful process. I was so wrong! Easy, great communication and got my claim sorted within 48 hours
Budget offers great value for money for a person on a budget, someone with a standard family car, or for a young person who's just left home. They provide a simple online process for getting a quote and signing up to their policy. The process for taking photos of the car was straight forward and quick, which was appreciated. I found them to be extremely competitive and did not feel that I was missing out on anything by going with them, despite the significant difference in cost between them and some other insurers. Their roadside cover is very basic and doesn't include enough miles on the towing option for someone like myself who lives regionally - but that's the same with many roadside cover products. I have not had to claim from them yet so cannot comment on how good they are in this department. However when I have phoned them they are fairly quick to answer the call and are helpful and polite - which is always nice!
Read full reviewBudget offers great value for money for a person on a budget, someone with a standard family car, or for a young person who's just left home. They provide a simple online process for getting a quote and signing up to their policy. The process for taking photos of the car was straight forward and quick, which was appreciated. I found them to be extremely competitive and did not feel that I was missing out on anything by going with them, despite the significant difference in cost between them and some other insurers. Their roadside cover is very basic and doesn't include enough miles on the towing option for someone like myself who lives regionally - but that's the same with many roadside cover products. I have not had to claim from them yet so cannot comment on how good they are in this department. However when I have phoned them they are fairly quick to answer the call and are helpful and polite - which is always nice!
No major issues when making a claim, and reasonably prices.
Read full reviewNo major issues when making a claim, and reasonably prices.
Budget direct is fantastic, they are genuinely helpful. The prices are great.
Read full reviewBudget direct is fantastic, they are genuinely helpful. The prices are great.
I’m enjoying my insurance so far. I have not had to use the comprehensive but love having the option and keeping safe.
Read full reviewI’m enjoying my insurance so far. I have not had to use the comprehensive but love having the option and keeping safe.