I have been rear ended by other drivers 15 times in 17 years of living on the Gold Coast Australia. Budget Direct have been the most amazing insurance company who have looked after me time and time again. Amazing service, Very affordable and the Customer service is second to none.
Budget direct is much cheaper than any other car insurance, the amount they take from you each year changes and they will deduct (or credit) your card whenever they see a change in your yearly invoice. The call centers when you sign up have a range of people and I was lucky enough to speak with someone who gave me advise to save money within their company.
Had an insurance claim where a person in a stolen car smashed into my parked car. Police report was done and gave them the details. $1000 excess was taken out and my car was repaired. Now they can't find the perpetrators details from the police report and can't recover the money from the third party so I won't be refunded my excess. It's like they just gave up when they couldn't find the convicted person's details from a number plate that was on a stolen car. What is the point of having comprehensive insurance if you have to pay $1000 when it is not your fault. Terrible insurance company, will not be dealing with them again.
I haven't had to make a claim through Budget Direct, so I can't effectively rate the claims process, however sign up was quick and easy, it was the best price I could find for my comprehensive car insurance, and they have multiple options to customize your policy to suit your needs.
You get what ya pay for, no bells or whistles. They wouldn't fix everything so I had to get my own mechanic and fought for me to get the car repaired properly.
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