Comprehensive Car Insurance Quote

Comprehensive Car Insurance Quote 

Covers loss or damage to your car and the damage it causes to other people’s vehicles and property.

15 %^OFF

On your first year’s premium for a new policy purchased online

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^Conditions Apply

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Customers rate our Comprehensive Car Insurance claims service

4.2 out of 5 Stars

4.2 out of 5 Stars

4.2 | 8,575 Reviews*

Comprehensive Car Insurance Quote

What’s covered by Comprehensive Car Insurance?

Loss or damage to your vehicle

Cost of repairing or replacing your vehicle due to collision or crash, malicious acts, theft, attempted theft, fire, storm, hail, and floods.

 Comprehensive Car Insurance Quote

New car replacement

If your new car is written off within two years or 40,000km (Gold Car Insurance policy) of the original registration (whichever comes first), we’ll replace it with a brand-new one.

 

Damage to other people’s property

Up to $20 million of legal liability cover for the accidental damage your car causes to other people’s vehicles and other property.

 Comprehensive Car Insurance Quote

Hire car following a no fault accident or theft

If we accept your claim for a no fault accident or theft of your car, you'll be eligible for a hire car.

Show more benefits

Comprehensive Car Insurance Quote

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Upgrade your Comprehensive cover

For an additional premium, you can customise your comprehensive car insurance by adding one or more of these optional benefits to your policy:

Accident hire car

If we accept your at fault claim, we'll arrange a hire car for you to use for up to 14 days.

 

Reduced window glass excess

Reduce your excess for damage to your vehicle’s window glass, including its windscreen and rear and side windows, to just $40.

 Comprehensive Car Insurance Quote

Choice of repairer

If you have a claim with us, you can nominate your preferred repairer.

How do I add an optional benefit to my policy?

You can add one or more of these benefits when you get a quote and buy a policy or — if you’ve already bought one — by contacting us or logging into your online account and editing your policy.

(Note that you can reduce your window-glass excess only within 21 days of buying your policy, renewing it, or transferring it to a replacement vehicle.)

Get a quote online and save 15%^

Because we don’t insure unsafe drivers, we can keep our premiums low for safer drivers like you.

Comprehensive Car Insurance Quote

Get a comprehensive car insurance quote and buy a policy online and you’ll receive a 15%^ discount on your first year's premium.

Get a quote

^Conditions Apply

Find out more

The information on this page is a summary only. For more details about Budget Direct Comprehensive car insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement (PDS)

How to make a claim

If you need to make a claim, we’re here to help you get back on the road as quickly and smoothly as possible. Make a claim on your Comprehensive car insurance policy.

Comprehensive Car Insurance Quote

Award-winning  car insurance

After comparing over 48,000 quotes, comparing 54 Comprehensive Policies offered by 44 insurance providers, across 42 Consumer profiles, Canstar proclaimed Budget Direct winners of the National Outstanding Value Car Insurance Award for 2022. In the process, Budget Direct became the only brand in any category to win a Canstar National Outstanding Value Award 16 years in a row.

We also won Money magazine's Best of the Best 2022 winner for Best-Value Car Insurance 4 years in a row (2019-22); and a Mozo Experts Choice 2022 award for Exceptional Value Car Insurance.

We were also rated 5 stars by LMI ClaimsComparison for our Motor & Home & Contents service. The rating is based on both quantitative and subjective data, as well as policy features that are deemed by LMI ClaimsComparison as important to a positive claims experience.

Comprehensive Car Insurance Quote

LMI Claims Comparison - Claims Service Rating - Private Motor 2022

Money Magazine's Best-Value Car Insurance 2022

CANSTAR's Insurer of the Year 2022

CANSTAR's Outstanding Value Car Insurance Australia 2007–2022

Mozo Experts Choice 2022 - Exceptional Value Car Insurance

Mozo Experts Choice 2022 - Value Insurance Provider of the Year

More ways to save

Here are some ways you can reduce your comprehensive car insurance premium even further:

Driver-age restriction‡

You can restrict your policy to drivers over a certain age: 21+, 25+, 30+, 40+, 50+ — the biggest age range of any major insurer.

 Comprehensive Car Insurance Quote

‘Low kilometres’ policy

If you drive 10,000km or less per year, you can take out a Gold Low Kilometres Comprehensive policy, which attracts a lower premium.

 

Higher excess

By increasing your Basic Excess, you may be able to reduce your premium.

Comprehensive Car Insurance Quote

 

No-claim discount

For each claim-free year, you’ll receive a no-claim discount (NCD) on your premium (capped at 5+ years).

How can I get these savings?

You can select your driver-age restriction, kilometres travelled and/or Basic Excess when you get a quote and buy a policy or — if you’ve already bought one – by contacting us or logging into your online account and editing your policy.

More reasons to choose us

24/7 claims

Lodge a claim over the phone or online at at any time day or night, 365 days a year.

 

Reliable repairs

Get a lifetime guarantee on authorised repairs to your car for as long as you own it.

 

Change of vehicle

If you replace your Budget Direct-insured car with a similar one, we’ll automatically provide the same level of cover for your replacement car for 14 days from the purchase date – even if you don’t contact us.

Comprehensive Car Insurance Quote

 

Flexible payments

Pay your premium fortnightly, monthly or yearly, the last of which is the most economical.

Roadside Assistance

For just $89.95 a year – less than $1.75 a week – you can take advantage of our 24/7 nationwide Roadside Assistance service. 

With our Australian network of more than 2,500 contractors, you’re never too far from help.

Frequently asked questions

What are the different types of car insurance?

Budget Direct offers three types of car insurance:

Comprehensive Car Insurance Quote

Comprehensive covers the loss of, or damage to, your vehicle due to an accident (regardless of who’s at fault), vandalism, fire, weather, and theft. It also covers damage caused by your vehicle to other people’s property (e.g. their car and home).

Third Party Property covers damage caused by your vehicle to other people’s property (e.g. their car and home). It does not cover damage to your vehicle (unless it’s damaged in a no-fault accident with an uninsured driver, in which case you have limited cover).

Third Party, Fire and Theft provides the same protection as Third Party Property plus cover for loss or damage to your vehicle if it’s stolen or catches fire.

The type of cover you have is shown on your car insurance certificate. 

How can I get cheaper car insurance?

By not insuring unsafe drivers, we can keep our car insurance premiums low for safer drivers like you.

Depending on the type of car insurance you choose, there are a number of ways you can reduce your premium even further, namely:

Select the right level of cover. Do you need comprehensive cover for your car, or would third party property insurance be enough?

Set a driver-age restriction. You can get a lower premium by restricting your policy to drivers over a certain age (21+, 25+, 30+, 40+, 50+).

Increase your excess. If you’re comprehensively insured and you increase your Basic Excess, we’ll reduce your premium.

Maintain a good driving record. For each claim-free year, you’ll receive a no claim discount (NCD) on your premium; the NCD is capped at 5+ years, at which point we’ll give you a Rating 1.

Is it worth having fully comprehensive insurance on an old car?

Your decision on whether to comprehensively insure your old car will generally depend on:

its market value; and 

your ability to cover the financial loss on your own if your car was, say, written off in an accident.

If your car has a low market value (e.g. $2,500), you may decide third party car insurance is all you need.

In other words, you may decide it’s not worth paying more for comprehensive car insurance as, over time, it could outweigh the cost of replacing your cheap car.

It’s up to you to do the maths: Figure out whether the lower protection and cheaper premium are a reasonable trade-off in your circumstances.

What is ‘Gold Comprehensive Car Insurance’?

Budget Direct Gold Comprehensive Car Insurance is the highest level of protection we offer for your car.

It is one of two types of comprehensive cover we sell; the other is standard comprehensive car insurance.

Whereas the Gold Car Insurance policy can be bought online for a discount, the standard one can be purchased only over the phone.

Find out how our Gold and standard car insurance policies differ

Can I choose my own repairer?

You can nominate your preferred repairer as long as your policy includes the ‘choice of repairer’ benefit.

If you nominate your preferred repairer, we’ll ask you to provide us with the repairer’s quotation for the repairs so we can determine whether:

the quotation is competitive, and

the proposed repair method is satisfactory.

If either of these criteria is not met, we may decide not to authorise the repairs, and instead offer you the option of:

having your car repaired by an alternative repairer chosen by us, or

paying you the reasonable cost to satisfactorily repair your car.

If the car is unsafe to drive, we will pay the cost to tow the car to your preferred repairer up to a maximum of 100 kilometres.

Note that, if we authorise your nominated repairer to undertake the repairs, we’ll guarantee the quality of the repairs but not the time it takes to complete them.

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*Based on customers who have made a claim on Budget Direct Comprehensive Car Insurance, and who were surveyed between 10 February 2015 and 30 September 2022. Visit www.budgetdirectreviews.com.au for more details. ‡ Your car would not be covered while it was being driven by someone under the restricted age.

# Click here to read Canstar's award report and rating methodology.

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General Insurance Code of Practice

Insurance is arranged by Auto & General Services Pty Ltd (ABN 61 003 617 909, AFSL 241 411, Registered Office: 13/9 Sherwood Rd, Toowong 4066) on behalf of the insurer, Auto & General Insurance Company Limited ABN 42 111 5 86 353.

Because we don’t know your financial needs, we can’t advise if this insurance will suit you. Please consider your needs, the Financial Services Guide, the Product Disclosure Statement, and the Target Market Determination when deciding to buy insurance. Subject to meeting underwriting criteria.

Budget Direct offers Roadside Assistance which is arranged by Auto & General Services Pty Limited (ACN 003 617 909). Roadside Assistance Terms & Conditions.

^Online Discounts Terms & Conditions

Discounts apply to the premium paid for a new Budget Direct Home & Contents, Home only, Contents only, Comprehensive, Third Party Property Only or Third Party Property, Fire & Theft Car Insurance policy, initiated online on or after 29 March 2017, and for a new Budget Direct Comprehensive, Third Party Property, Fire & Theft & Third Party Property only Motorcycle Insurance policy, initiated online on or after 4 June 2020 and for a new Pet Insurance policy, initiated online on or after 18 February 2021. This online discount does not apply to Roadside Assistance that is added to a Budget Direct Car Insurance policy.

The new policy discount amount varies by product: 30% discount on combined Home & Contents Insurance (consisting of 15% discount for combining Home & Contents covers and 15% discount for policies initiated online),15% for Home only or Contents only policies, 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car or Motorcycle Insurance and 15% discount on Pet Insurance.

A 15% discount applies to the premium paid for a new Budget Direct Travel Insurance policy initiated and purchased online on or after 7 September 2018 and cannot be used in conjunction with any other offer.

Discounts do not apply to any renewal offer of insurance.

Discounts only apply to the insurance portion of the premium. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted.

We reserve the right to change the offer without notice.

†Price Comparison Figures

Figures represent average savings based on data provided by customers who reported they switched online to Budget Direct's, Comprehensive Car Insurance or Combined Home & Contents Insurance or Buildings Only Insurance or Contents Only Insurance from comparable policies, between 1 March 2022 and 31 August 2022. Individual circumstances and policy terms may vary. Please compare for yourself.

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