Compare our car insurance policies
Compare the benefits, features, claim limits and optional extras of our different levels of car insurance.
Benefits and features
| Included benefits | Gold Comprehensive | Gold Low Kilometres Comprehensive | Third Party Property, Fire & Theft | Third Party Property Only |
|---|---|---|---|---|
| Loss or damage to your vehicle | Yes | Yes | Fire and theft only | No |
| New car replacement | 2 years / 40,000 km | 2 years / 40,000 km | No | No |
| Damage to someone else’s car or other property (legal liability) | Up to $20 million | Up to $20 million | Up to $20 million | Up to $20 million |
| Damage caused by an uninsured driver | Yes | Yes | Up to $5,000 (including recovery, towing and storage costs) | Up to $5,000 (including recovery, towing and storage costs) |
| Towing | Yes | Yes | Fire and theft only | No |
| Hire car following theft | Up to $1,000 (limit 14 days) |
Up to $1,000 (limit 14 days) |
Up to $1,000 (limit 14 days) |
No |
| Hire car following a no fault accident | Yes | Yes | No | No |
| Replacement of stolen keys / remote | Up to $1,000 | Up to $1,000 | No | No |
| Damage to your caravan or trailer in a collision | Up to $1,000 (caravan and trailer) |
Up to $1,000 (caravan and trailer) |
No | No |
| Emergency transport and accommodation | $200 a day ($1,000 in total) |
$200 a day ($1,000 in total) |
No | No |
| Damage or theft of personal effects in your car | Up to $500 (theft and damage) |
Up to $500 (theft and damage) |
No | No |
| Damage or theft of child seat/baby capsule in your car | Up to $500 | Up to $500 | No | No |
| Debris removal | Yes | Yes | Yes | Yes |
For an additional premium, you can add one or more of the following optional benefits to your policy:
| Optional benefits | Gold Comprehensive | Gold Low Kilometres Comprehensive | Third Party Property, Fire & Theft | Third Party Property Only |
|---|---|---|---|---|
| Accident hire car | Yes | Yes | No | No |
Reduced window-glass excess |
Yes | Yes | No | No |
| Choice of repairer | Yes | Yes | No | No |
How do I add an optional benefit to my policy?
You can add one or more of these optional benefits when you get a quote and buy a policy or – if you’ve already bought one – by calling us on 1300 306 560 or logging into your online account and editing your policy.
| Other features | Gold Comprehensive | Gold Low Kilometres Comprehensive | Third Party Property, Fire & Theft | Third Party Property Only |
|---|---|---|---|---|
| Restricted driver age discount | Yes | Yes | Yes | Yes |
| No excess payable when identified third party is at fault | Yes | Yes | Yes | Yes |
| Repairs guaranteed for as long as you own the car | Yes | Yes | Repairs to damage caused by an uninsured driver only (limits apply) |
Repairs to damage caused by an uninsured driver only (limits apply) |
| Higher excess to reduce premium | Yes | Yes | No | No |
| No-claim discount preserved when identified third party is at fault | Yes | Yes | No | No |
| Fortnightly, monthly or yearly premium payments | Yes | Yes | Yes | Yes |
| 24/7 online and phone claims service | Yes | Yes | Yes | Yes |
| Online discount | 15% | 15% | 15% | 15% |
| Unless you have a no-fault accident, when you make a claim you’re required to pay a… | |
|---|---|
| Basic Excess | As shown on your insurance certificate1 |
| …as well as any additional excesses that apply… | |
| Driver is under 21 years of age | $600 |
| Driver is 21 to 24 years of age inclusive | $500 |
| Driver has not held a full or open Australian licence for 2 or more years | $500 |
| Driver is not the regular driver or is not listed on your insurance certificate2 | $600 |
| Car has exceeded the kilometres per year selected, no odometer reading was provided or an invalid odometer reading was provided3 | $1,000 |
| If you make a windshield-only claim, you’re required to pay a… | |
| Window glass-only excess | As shown on your insurance certificate4 |
1. For an additional premium, you may be able to reduce your Basic Excess (or vice-versa). As well as your insurance certificate, the excess amount is shown in your online account.
2. Any household members (i.e. people who live with you) who may drive your car must be listed, otherwise your car will not be covered while they are driving it.
3. Applies only to Gold Low Kilometres Comprehensive policies.
4. As well as your insurance certificate, the excess amount is shown in your online account. For an additional premium, you can add the optional ‘Reduced window glass excess’ benefit to your comprehensive policy. Your standard window glass-only excess will be reduced to just $40. You can add this option only within 21 days of buying your policy, renewing it, or transferring it to a replacement vehicle.
Compare our car insurance prices
You know how our policies stack up against one another, but how do our premiums compare to other car insurers’? Find out how much customers in your state told us they saved by switching online to Budget Direct.
Find out more
The information on this page is a summary only. For more details about Budget Direct car insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement.
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