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Budget Direct vs Bingle Car Insurance

A side by side comparison of Budget Direct and Bingle car insurance including expert analysis of pricing, features, complaints and reviews.

Bingle is consistently the cheapest comprehensive car insurer in our Finder Awards research. If you're happy to pay a little more for comprehensive coverage, Budget Direct could be a better option.

Budget Direct vs Bingle car insurance — compare key features

We've compared the comprehensive car insurance policies on offer from Budget Direct car insurance and Bingle car insurance. See further below for other types of car insurance offered by these providers.

Budget Direct Comprehensive image
Budget Direct Comprehensive
Bingle Comprehensive image
Bingle Comprehensive
Underwriter Auto & General Insurance Company Ltd AAI Limited
Accidental Damage
Damage to other people's car

Bonuses 15% online discount No
Roadside assistance Optional No
Agreed or market value Agreed or Market
Market
Choice of repairer Optional
Legal liability Yes - $20,000,000 Yes - $20,000,000
Fire and theft
Storm
Flood
Hire car after theft
Up to $1,000 - Up to 14 days
Optional
Up to $50 per day - Until claim is completed
Hire car after no fault accident Optional
Up to $75 per day - Up to 14 days
Optional
Up to $50 per day - Until claim is completed
Hire car after at fault accident
Up to $75 per day
Optional
Up to $50 per day - Until claim is completed
Emergency repairs
Up to $500

Limit not disclosed
Emergency travel and accommodation costs
Up to $1,000 - Up to $200 per day

Limit not disclosed
New car replacement
If your car is written off in the first 2 years or 40,000 km
Optional
If your car is written off in the first 3 years
Personal effects/property
Up to $500

Locks and keys replacement
Up to $1,000

Towing
Trailer cover
Up to $1,000

Important Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.
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Budget Direct vs Bingle car insurance prices compared

As part of our 2024 Finder car insurance awards, we collected over 1,800 comprehensive quotes from 30 car insurance providers, using a range of driver profiles across different states, ages and genders.

On average, Bingle typically offers cheaper car insurance than Budget Direct. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.

Provider NSWQLDSATASVICWAAus average
Budget Direct$1,148$941$978$829$1,180$880$992
Bingle$935$872$724$726$1,156$761$862

These quotes are formed based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.

About our car insurance methodology

Car insurance policies on offer

Budget Direct offers 4 levels of car insurance cover:

  • Gold Comprehensive
  • Gold Comprehensive Low Kilometeres
  • Third Party Property Damage
  • Third Party Fire & Theft

Customer reviews

Budget Direct has a good rating on popular review sites and scored 4.32/5 in the Finder Customer Satisfaction awards. Bingle has less positive reviews but it also has significantly fewer reviews and couldn't be rated in the Customer Satisfaction awards because of eligibility.

Budget Direct and Bingle car insurance complaints information

Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Budget Direct (Auto & General Insurance) and Bingle (AAI) have received and resolved.

UnderwriterComplaints received Complaints resolved at registration & referral Referral resolution rate
AAI2231137061.43%
Auto & General Services Pty Ltd 143172350.56%

Finder's verdict

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2 Responses

    Default Gravatar
    DavidJuly 8, 2023

    What is the cheapest ctp insurance

      AvatarFinder
      JamesJuly 10, 2023Finder

      Hi David,

      It isn’t possible to say as premiums will vary depending on where you live and your driving record (among other factors). You can visit our guide to CTP insurance if you’d like to learn more.

      Best wishes,

      James

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