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.
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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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15% |
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n/a |
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Yes |
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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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SA VIC TAS NSW ACT QLD WA |
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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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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 |
^See information about the Mozo Expert Choice Car Insurance Awards
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.
Budget called me 3 times and said my car was a writeoff , it is a repairable writeoff on a revs check. The lock was damaged on the driver door. To replace my car will cost 12000. They offered me 6000 , towed my car and still havent been paid after 5 weeks. No offer of a rental car. Liars and despicable behaviour. Do not use this unreputable company.
Read full reviewBudget called me 3 times and said my car was a writeoff , it is a repairable writeoff on a revs check. The lock was damaged on the driver door. To replace my car will cost 12000. They offered me 6000 , towed my car and still havent been paid after 5 weeks. No offer of a rental car. Liars and despicable behaviour. Do not use this unreputable company.
Wish I could give ZERO stars! My car that was stationery at a giveway sign, was hit by another vehicle. Budget Direct claimed I was at fault ... when I WAS NOT moving. They did not ask me for any additional information besides what I put in my claim. Their reasoning was because I needed to be 100% in the right for them to not take fault, I could not be even 1% in the wrong. However in my case, Budget Direct does not understand basic road rules including how to turn a corner correctly WITHOUT HITTING ANOTHER CAR. The person who hit me got away with it, and ME who had INSURANCE and PAYS BUDGET DIRECT TO BE MY INSURANCE COMPANY, didn't have to pay a cent.
Read full reviewWish I could give ZERO stars! My car that was stationery at a giveway sign, was hit by another vehicle. Budget Direct claimed I was at fault ... when I WAS NOT moving. They did not ask me for any additional information besides what I put in my claim. Their reasoning was because I needed to be 100% in the right for them to not take fault, I could not be even 1% in the wrong. However in my case, Budget Direct does not understand basic road rules including how to turn a corner correctly WITHOUT HITTING ANOTHER CAR. The person who hit me got away with it, and ME who had INSURANCE and PAYS BUDGET DIRECT TO BE MY INSURANCE COMPANY, didn't have to pay a cent.
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
Aagggghh... they should be called BUGGAR YOU DIRECT.. Budget Direct...HA! DON'T INSURE WITH THESE THIEVES! Been insured with these thieves for all over 5+ years and just like others in various bad review sections. With over 33+ years driving and comprehensive car insurance I've NEVER had an accident and NEVER made a claim. Until the other day, I came out of a funeral to be told by an eyewitness a truck has reversed into the front of my car. A business card left on windscreen (business conveniently didn't have an address listed on card or internet...) surprise surprise, not! Eyewitness took rego plate details for me. I called these insurance thieves the same day this happened gave them all the details. Claim was approved, however, only to be sent a text saying I have to pay excess and my no claim will be stripped through no fault of mine. All these years of loyalty, no claims and paying thousands of $$$$ in comprehensive car insurance to be told because I COULDN'T GIVE THEM AN ADDRESS OF THE AT FAULT IDIOT (as conveniently he had left the scene in a hurry before I got back to my car)...!! I have to foot the excess bill and be stripped of my no claim bonus. YOU HAVE TO BE KIDDING ME... YOU'RE A BUNCH OF THIEVES BUDGET DIRECT.... I'm going to make it a life mission to spread this feedback to anyone who will listen..
Read full reviewAagggghh... they should be called BUGGAR YOU DIRECT.. Budget Direct...HA! DON'T INSURE WITH THESE THIEVES! Been insured with these thieves for all over 5+ years and just like others in various bad review sections. With over 33+ years driving and comprehensive car insurance I've NEVER had an accident and NEVER made a claim. Until the other day, I came out of a funeral to be told by an eyewitness a truck has reversed into the front of my car. A business card left on windscreen (business conveniently didn't have an address listed on card or internet...) surprise surprise, not! Eyewitness took rego plate details for me. I called these insurance thieves the same day this happened gave them all the details. Claim was approved, however, only to be sent a text saying I have to pay excess and my no claim will be stripped through no fault of mine. All these years of loyalty, no claims and paying thousands of $$$$ in comprehensive car insurance to be told because I COULDN'T GIVE THEM AN ADDRESS OF THE AT FAULT IDIOT (as conveniently he had left the scene in a hurry before I got back to my car)...!! I have to foot the excess bill and be stripped of my no claim bonus. YOU HAVE TO BE KIDDING ME... YOU'RE A BUNCH OF THIEVES BUDGET DIRECT.... I'm going to make it a life mission to spread this feedback to anyone who will listen..
I recently changed over to budget as my last insurer went up by $400!! How ridiculous. In the last budget have been very expensive but this year I found them to be reasonable and much cheaper than my last insurer. I’m so glad that the process to change over was very quick and easy!!
Read full reviewI recently changed over to budget as my last insurer went up by $400!! How ridiculous. In the last budget have been very expensive but this year I found them to be reasonable and much cheaper than my last insurer. I’m so glad that the process to change over was very quick and easy!!