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Compare Policy Benefits

When it comes to car insurance policies, there’s no such thing as ‘one size fits all’.

That’s why Budget Direct offers different types of cover and a range of optional extras – so you can tailor your insurance to get the cover you need at a price that suits you.

When weighing up your options, consider the amount of protection you need, including the value of your car and how you use it.

Benefits

The following table shows the standard and optional benefits and features that apply to our different types of car insurance policies: 

Standard benefits Gold Third Party Gold Third Party Fire & Theft Gold Comprehensive

Loss of or damage to your vehicle

No Fire and theft only Yes
New car replacement No No 24 months/
40,000kms
Damage to someone else’s vehicle Yes Yes Yes
Legal liability Up to $20 million Up to $20 million Up to $20 million
Damage by an uninsured driver Up to $3,000 Up to $3,000 Yes
Damage to your caravan or trailer in a collision No No Up to $1,000
Hire car following theft No Up to $1,000
(limit 14 days)
Up to $1,000
(limit 14 days)
Replacement keys/remote No No Up to $1,000
Emergency transport and overnight accommodation No No $100 a day ($850 in total)
Theft of or damage to personal effects in car No No Up to $500
Damage to or theft of child seats/baby capsule in your car No No Up to $500
Accident clean-up Up to $500 Up to $500 Up to $500
Death benefit Up to $5,000 Up to $5,000 Up to $5,000
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Optional benefits Gold Third Party Gold Third Party Fire & Theft Gold Comprehensive

Hire car following accident

No No Yes
Reduced window glass excess No No Yes
No claim discount protection No No Yes
Higher excess to reduce premium No No Yes
Restricted driver discount Yes Yes Yes
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Other features Gold Third Party Gold Third Party Fire & Theft Gold Comprehensive

No excess payable when third party is identified and at fault

Yes Yes Yes
No claim discount preserved when third party is identified and at fault No No Yes
Repairs guaranteed for as long as you own the car Yes Yes Yes
Security device discount (approved system) No Yes Yes
Fortnightly, monthly or yearly premium payments Yes Yes Yes
24/7 claims service Yes Yes Yes
Online discount No No ##%
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Find out more

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

Get a quote

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

Get a car insurance quote online or call us on 1800 700 027.

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54.158.25.146
54.158.25.146
54.158.25.146