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Mini meca 2023

Budget Direct Gold Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
up to 15%
Choice of repairer
Optional Extra
Go to site

Mozo editorial review Budget Direct Gold Comprehensive Car Insurance - last updated: 28 September 2023

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What's hot
  • 2023 Exceptional Value Insurance Provider of the Year
  • Your choice of repairer
  • 15% online discount
What's not
  • $600 unlisted and young driver excess
  • Monthly premium payment costs extra
Mozo snapshot

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.

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Key features

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.

Who is it good for

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.

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Any catches

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.


Cover information and limits in the table below correct as at 14 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes costs extra

$550 - $1,900 (varies by state)

$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers.

Not Published


up to 15%




Service features

Optional Extra

Optional Extra





Coverage summary

Agreed or Market

Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first

Personal effects cover in the event of a collision, theft or forced entry (up to $500)

Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.

Up to $500

Automatic inclusion of up to $1,000 for emergency transport and accommodation (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.

Child seat or capsule cover in the event of a collision, theft or forced entry (up to $500)

Covered only if agreed in writing.

$5,000 within 12 months of accident.


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.

Customer Reviews

How are Budget Direct car insurance rated by the Mozo community?

Value for money
Policy coverage
Customer service
Claims handling
Based on 1328 Budget Direct car insurance reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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