Budget Direct car insurance

3.5
Based on 1,336 Budget Direct car insurance product review.
Fact Checked
Last updated

About Budget Direct car insurance

Budget Direct, part of Auto & General and based in Brisbane, is a well-established Australian insurer known for offering affordable and reliable coverage. With over 3 million policyholders, they provide a broad range of insurance products, including car, home, and travel insurance. Their car insurance options cover everything from Comprehensive to Third Party Fire & Theft.

Recognised for their value, Budget Direct has won multiple Mozo Experts Choice Awards including the prestigious Exceptional Value Insurer of the Year award multiple years in a row, and their user-friendly online platform makes managing policies and claims straightforward. 

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Mozo’s Budget Direct Gold Comprehensive Car Insurance Review

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Gold Comprehensive Car Insurance

Monthly premiums available
Yes costs extra
Agreed or market value
Agreed or Market
Choice of excess
$550 - $1,900 (varies by state)
Choice of repairer
Optional Extra
Go to site
  • Exceptional Value Insurance Provider of the Year for 6 years running

  • Lots of discount opportunities

  • Flexible policy means you pay for only what you need

  • $500 inexperienced driver excess

  • Monthly premium payment costs extra

Our verdict

Budget Direct’s Gold Comprehensive policy has been racking up Mozo Experts Choice Awards for more than half a decade—and with good reason. The flexibility to build your own coverage means you can keep it affordable without cutting out the essentials.

It covers what you'd expect—accidents, theft, vandalism—plus a few extras, like up to $500 for baby seats or personal property and $1,000 for lost keys. If your car is written off, they’ll replace it with a new one (as long as it’s under two years old and has less than 40,000 km). You’ll also get two weeks of hire car cover after a theft or if you weren’t at fault in an accident.

What makes this policy stand out is the optional extras—roadside assistance, excess-free windshield cover, choice of repairer. You can tack them on if you want, or leave them off and save yourself a few bucks.

On top of all that, Budget Direct isn’t just known for being affordable—it’s also highly rated for policy coverage and customer service. If you haven’t grabbed a quote from them yet, it’s worth a look.

Where do I get it? Head to Budget Direct’s website to learn more or apply >>
Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important information on terms, conditions and sub-limits.
Last updated 21 December 2024 Important disclosures

Budget Direct car insurance

  • Gold Comprehensive Car Insurance

    Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.

    Monthly premiums
    Calendar icon
    Yes costs extra
    Choice of repairer
    Tools icon
    Optional Extra
    Choice of excess
    Coins icon
    $550 - $1,900 (varies by state)
    Agreed or market value
    Car coin icon
    Agreed or Market

    Available discounts

    • No claim discount
    • Online discount 15%
    Go to site
    Details

Get the latest news and product updates.

Budget Direct car insurance ratings

Overall customer rating for Budget Direct car insurance

3.5
Based on 1,336 product review.

Customer reviews

Important disclosures

Budget Direct car insurance key features

All Budget Direct car insurance policies—whether Comprehensive, Third Party, or Third Party Fire & Theft—offer the following features:

Budget Direct car insurance FAQs

Does Budget Direct offer choice of excess?

Yes, Budget Direct offers flexible excess options. Its Gold Comprehensive policy allows you to choose an amount between $550 and $1,900 (varies by state) to help adjust your premium. Additional excesses may apply, including $600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, and $500 for inexperienced drivers.

Is there a cooling-off period for Budget Direct car insurance?

Yes, Budget Direct provides a 21-day cooling-off period. If you cancel your policy within 21 days of purchase or renewal, and haven’t made a claim, you’ll receive a full refund.

Are modifications to my car covered under Budget Direct policies?

Budget Direct covers certain modifications, but you’ll need to notify them of any modifications to ensure they are included in your policy. Keep in mind, this may result in a higher premium.

How does Budget Direct determine the value of my car?

Budget Direct offers two options: agreed value (a fixed amount you agree on when purchasing the policy) and market value (the amount your car is worth at the time of the claim based on its age, condition, and local market prices). Market value generally costs less but could result in a lower payout if your car has depreciated.

How do I make a claim with Budget Direct?

You can lodge a claim 24/7 by logging into Budget Direct’s online platform, by phone at 1300 139 591 or via email at customercare@autogeneral.com.au. 

You can also reach chat support during specific hours via Apple Messages, WhatsApp, or email. Find more information on Budget Direct’s chat support here.

Budget Direct products

Car insurance quick links


* 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.

^See information about the Mozo Experts Choice Car Insurance Awards