Is Budget Direct Car Insurance the right policy for you? Receive a 15% discount for comprehensive cover when you purchase online.
One of Australia’s leading car insurance brands, Budget Direct has been offering insurance to Australians for over 15 years. Budget Direct offer a smart yet simple approach to insurance. By avoiding things like high-risk vehicles or high risk takers they keep their prices more affordable for everyone else
This review will provide an overview of Budget Direct and the car insurance policies that they offer.
Choose from three levels of cover and apply securely with Budget Direct
Budget Direct Car Insurance Policy Options
Budget Direct has a range of options that let you tailor your car insurance policy so that it gives you all the cover you need at a price you can afford. To find out exactly what’s covered in each policy, check out the Product Disclosure Statement. Following are the policies that Budget Direct provide:
1. Gold Comprehensive Car Insurance
Some key features of this option include:
- The cost of repairing damage not only to your car, but also to the other vehicles when you’re deemed to be at fault
- Replacement of your car if you write off it off in the first two years or 40,000kms
- $100 a day if you need emergency transport and overnight accommodation ($850 in total)
- A hire car for up to 14 days if your car is stolen (to a maximum of $1,000)
- Repair or replacement of personal effects in your car if they are damaged or stolen (up to $500)
- Collision damage for your trailer or caravan (up to $1,000)
Other benefits include replacing the child seats, keys and remotes for your car if they are stolen and waiving the excess fee and preserving your no claim discount if the third party is identified as being at fault.
Apart from their standard policy benefits, Budget Direct also offer smart policy options so you can tailor your car insurance policy to suit your needs and your budget. These include;
- Restricted driver discounts
- Windscreen excess reduction
- Maximum no claim discount (NCD) protection
- Roadside assistance
- Accident hire car benefit
- Variable excess to reduce the premium
In addition to this you can insure your car for either its current market value or another value that is agreed with the company.
2. Third Party Cover
Third Party Cover will provide protection for:
- Uninsured motorist damage up to $3,000
- Legal liability cover up to $20 million
- 21 day cooling off period (as long as you haven't made a claim)
- Flexible payment options
- After-hours claims helpline
3. Third Party Fire and Theft Cover
Budget Direct also have a Third Party Property cover which includes:
- Legal liability cover to $20 million
- Uninsured motorist damage up to $3,000
- Hire car following theft to a maximum of $1,000 over 14 days
- Loss or damage to car caused by fire or theft
Additional benefits include;
- 21-day money back guarantee (as long as you haven't made a claim)
- Flexible payment options
- After-hours claims helpline
Optional policy benefits to consider
Looking to tailor your cover further? These smart options might spark your interest.
- Restricted driver discounts: Receive a discount on your premium by restricting the youngest driver of your car. You can choose to restrict the youngest driver age to either 21, 25, 30 or 40
- Roadside assistance:
Don't want to be stranded on the side of the road with a flat battery or tyre? You might want to take out roadside assistance with Budget Direct
Apart from their standard policy benefits. Budget Direct also offer smart policy options, which include restricted driver discounts and roadside assistance.
Back to topBudget Direct Cover Benefits
This section will discuss the different benefits available on Budget Direct Car Insurance policies.
Cover for your car
The following cover will be provided under the comprehensive policy
- Damage to the car. If your car is accidentally damaged, Budget Direct will pay up to the maximum amount stated on the insurance certificate. Budget Direct will also pay the reasonable cost of recovery, towing and storage of the car if it was unsafe to drive as a result of the damage.
- Personal effects. In the event of a collision involving the car, Budget Direct will pay for damage to personal effects which were in the car at the time of the collision.
- Trailer. In the event of a collision where the car is towing a trailer that belongs to you, Budget Direct will pay for damage to the trailer but will not cover the contents within the trailer.
- Emergency transport and accommodation. If Budget Direct pay a claim for damage to the car, Budget Direct will also pay for the driver and occupants to be transported to the address where the car is normally kept at night or, where transport is unavailable, Budget Direct will pay for the cost of temporary accommodation.
- New car replacement. If you purchased a new car and it becomes a total loss in the earlier of 2 years or 40,000 km, Budget Direct will replace it with a new car of the same make, model and specification if available locally. Budget Direct will also pay the first 12 months registration and compulsory third party insurance.
Damage to other people’s property
You are covered for the following events for all types of cover including third party property only.
- Budget Direct will cover your legal liability for accidental damage caused by use of the car, substitute car, or a trailer or caravan attached to it. The maximum Budget Direct will pay for the total of all liability claims against them arising from one event is $20 million.
- Budget Direct will extend this cover to other licensed drivers permitted by this policy and using the car with your consent, to any passenger in the car, and to your employer, principal or business partner if you are insured for business use.
- The company will also pay for legal costs if Budget Direct agree to pay your liability claim and instruct its lawyers to act in connection with the claim.
Fire and theft cover for your car
This section applies only if the type of cover shown on your insurance certificate is
‘comprehensive’ or ‘third party fire and theft’. You are covered for the following events:
- Loss or damage to the car. If the car is stolen or catches fire, Budget Direct will pay the maximum of the amount shown on the insurance certificate. Budget Direct will also pay the reasonable cost of recovery, towing and storage of the car if it was unsafe to drive as a result of the damage.
- Hire car after theft. If Budget Direct pay a claim for theft of the car, it will also reimburse your reasonable cost of hiring a similar car until the car is recovered, your claim is paid, or for a maximum period of 14 days, whichever occurs first.
Uninsured motorist damage
This section applies only if the type of cover shown on your insurance certificate is third party property only or third party fire and theft.
In this event, if the car is involved in a no fault accident with an uninsured vehicle, the company will cover your damage up to $3,000 or the market value of the car, whichever is the lesser, but only if you report the accident to the police and provide evidence that the other vehicle is uninsured.
It is critical to note that conditions will apply for each of the cover points listed above.
Back to topBudget Direct Company Background
Budget Direct is one of the leading general insurance brand in Australia. The company is a division of the Budget Insurance group, which was established in the 1970s. Its headquarters are in Brisbane, Australia. Its car and home insurance are underwritten by Auto and General Insurance Company Ltd, which is an Australian insurance company and is a member of the Insurance Council of Australia. Budget Direct are part of the international Budget Insurance group, which provides insurance solutions for millions of policyholders worldwide. The group includes one of the largest direct personal lines insurers in South Africa, and one of the largest personal lines insurance intermediaries in the United Kingdom.
Budget Direct provides its customers with great deals on a number of different types of cover. Over three million policies are held globally and the company has a wide range of insurance products which comprise car, home and contents, travel, life, personal accident and pet insurance. Budget Direct also provides standalone roadside assistance.
Back to topKey Reasons to Choose Budget Direct
- 15% discount for existing Budget direct customers that add a new comprehsnisive car policy only using the Budget Direct policy manager
- 15% discount if you purchase a Gold Comprehensive Car Insurance policy online
- 24-hour claim helpline to help you with your claim
- 21-day money back guarantee
- Lifetime guarantee on repairs as long as you own the car
- Choose fortnightly, monthly or annual payments
- Direct Debit, Credit Card and PayPal payment options available
- New-for-Old replacement policy available. Receive a brand new car for up to two years on the Gold policy
