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 2023 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.
Yes costs extra |
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$550 - $1,900 (varies by state) |
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$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers. |
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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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Yes |
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n/a |
Optional Extra |
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Optional Extra |
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Yes |
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Existing Budget Direct memebers get a $100 eGift Card when you purchase a new Pet Insurance policy with code "ECGIFT" |
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n/a |
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SA VIC TAS NSW ACT QLD WA |
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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Personal effects cover in the event of a collision, theft or forced entry (up to $500) |
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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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Automatic inclusion of up to $1,000 for emergency transport and accommodation (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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Child seat or capsule cover in the event of a collision, theft or forced entry (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.
This is scammers in hail damage about 3 months facing them prove them natural hail damage 50% cover but not fully around 24000 $ cost about my car but paying 5500$ and no car hair until they pass u approved that day all cars in hail after getting unusual question first phase of my life bad experience with this. I prove u
Read full reviewThis is scammers in hail damage about 3 months facing them prove them natural hail damage 50% cover but not fully around 24000 $ cost about my car but paying 5500$ and no car hair until they pass u approved that day all cars in hail after getting unusual question first phase of my life bad experience with this. I prove u
Joining Budget Direct, I was carrying a pretty clean insurance slate well into my late 40s. The feeling of security with a reputable insurance company was reassuring. Then, out of the blue, an evening drive turned into a wildlife encounter that wrote my car off and thrust me into the world of insurance claims. At first, everything ran like clockwork. The initial claim submission was straightforward, and I felt that everything would be sorted out quickly and efficiently. That's the level of service I signed up for, and initially, it seemed like I was going to get just that. But the wheels started to come off when the word 'investigation' was mentioned. It's a strange feeling, the shift from customer to 'person of interest.' I understood the need for due diligence, but I couldn't help but feel a twinge of offense at the suggestion that my claim was anything but genuine. This feeling was further compounded by the drawn-out nature of the investigation. Time ticked by, and with each passing day, my patience and trust in the system began to wane. Communicating with Budget Direct during this period was another sticking point. The sense of being just another number in the queue became palpable as I was shuffled between claims managers. It wasn't just the inconvenience of repeating my story; it was the underlying feeling of inefficiency and impersonality that chipped away at the company's initial good impression. Despite these challenges, I must acknowledge that in the end, my claim was resolved. The final settlement was fair, and for that, they earned back some of the goodwill that was lost during the process. Moreover, receiving an apology for the delay showed a level of accountability that I respect. It was a gesture that, while not undoing the hassle, did provide a sense of closure. To sum up my experience with Budget Direct: it's a mix of efficiency at the outset, frustration in the middle, and eventual relief at the conclusion. The company proved it could deliver, but the journey there was far from the straightforward path I was led to expect. It's a solid 6 out of 10 for me - they came through, but the ride was definitely bumpier than anticipated. I hope my experience is a catalyst for them to streamline their claims process and reinforce the confidence customers place in them at the outset.
Read full reviewJoining Budget Direct, I was carrying a pretty clean insurance slate well into my late 40s. The feeling of security with a reputable insurance company was reassuring. Then, out of the blue, an evening drive turned into a wildlife encounter that wrote my car off and thrust me into the world of insurance claims. At first, everything ran like clockwork. The initial claim submission was straightforward, and I felt that everything would be sorted out quickly and efficiently. That's the level of service I signed up for, and initially, it seemed like I was going to get just that. But the wheels started to come off when the word 'investigation' was mentioned. It's a strange feeling, the shift from customer to 'person of interest.' I understood the need for due diligence, but I couldn't help but feel a twinge of offense at the suggestion that my claim was anything but genuine. This feeling was further compounded by the drawn-out nature of the investigation. Time ticked by, and with each passing day, my patience and trust in the system began to wane. Communicating with Budget Direct during this period was another sticking point. The sense of being just another number in the queue became palpable as I was shuffled between claims managers. It wasn't just the inconvenience of repeating my story; it was the underlying feeling of inefficiency and impersonality that chipped away at the company's initial good impression. Despite these challenges, I must acknowledge that in the end, my claim was resolved. The final settlement was fair, and for that, they earned back some of the goodwill that was lost during the process. Moreover, receiving an apology for the delay showed a level of accountability that I respect. It was a gesture that, while not undoing the hassle, did provide a sense of closure. To sum up my experience with Budget Direct: it's a mix of efficiency at the outset, frustration in the middle, and eventual relief at the conclusion. The company proved it could deliver, but the journey there was far from the straightforward path I was led to expect. It's a solid 6 out of 10 for me - they came through, but the ride was definitely bumpier than anticipated. I hope my experience is a catalyst for them to streamline their claims process and reinforce the confidence customers place in them at the outset.
I HAVE NOT MADE A CLAIM, HOWEVER THE INITIAL INFORMATION AVAILABLE AND EASE OF SIGNING UP WAS ATTRACTIVE
Read full reviewI HAVE NOT MADE A CLAIM, HOWEVER THE INITIAL INFORMATION AVAILABLE AND EASE OF SIGNING UP WAS ATTRACTIVE
Great customer service Easy to deal with Very easy to renew polices Very affordable
Read full reviewGreat customer service Easy to deal with Very easy to renew polices Very affordable
Budget Direct provides a good service for a pretty reasonable price. Compared to other providers, I’ve found Budget Direct to be cheaper but still upholds credibility and professionalism. I switched from another provider to Budget Direct a few years ago and don’t think I’ll be changing again any time soon.
Read full reviewBudget Direct provides a good service for a pretty reasonable price. Compared to other providers, I’ve found Budget Direct to be cheaper but still upholds credibility and professionalism. I switched from another provider to Budget Direct a few years ago and don’t think I’ll be changing again any time soon.