Budget Direct Car Insurance Review 2019

The policy you can get from Budget Direct Car Insurance is one of the best you can get on the market. It has won multiple awards highlighting exactly why they are the best in the business. They’ve won Canstar’s Outstanding Value Car award 12 years in a row and Money Direct’s Insurer of the year 2010, 2015, 2017 and 2018. It’s no accident that they’re on top and stays on top.

Budget Direct offers value products further adjusted to reward better drivers with a lower premium. With some of their customers reportedly, saving up to $215, it’s definitely worth checking out.

There are mainly 3 types of car insurance offered throughout Australia. These are Comprehensive, Third Party Property, and Third Party Fire and Theft car insurance. Compulsory Third Party (CTP) is an additional product only offered in NSW.

It can be tempting to pick the more complete and expensive plan, but that might not be the best.

Budget Direct Car Insurance with the Most Benefits

This policy covers loss or accidental damage to your car no matter who caused it. This also protects you from weather damage, fire, theft, and vandalism. Additionally, accidental damage your car causes to other’s property is covered by this insurance.

It provides the most features and benefits for your vehicle, so it is the most expensive choice. Selecting this gets you the benefit of a replacement car and a hire car following a no-fault accident. Choose this for the peace of mind of very secure coverage. You spend more on it, but you definitely get what you’re paying for.

Third-Party Property Car Insurance

This offers a little less coverage as the previous policy. You are covered when your car causes accidental damage to property, but not your own vehicle in most cases. This plan has many fewer features than a comprehensive plan but is more budget-friendly.

Budget Direct Car Insurance finds ways to reward more careful drivers. A prudent planner is aware of the condition of their car and the environment they drive-in. Safeguard yourself from conditions that could set fire to your car. At the same time, know the risks of parking your car. Are you in a safe neighborhood? Is there a high chance of car theft?

People planning ahead can definitely make the most out of this product. So this is definitely a good choice for prudent drivers looking to save.

Additionally, it is probably not wise about pursuing a more expensive premium if you know that your car has a low market value. Regular payments may eventually surpass the cost of getting a new car after damaged from an accident.

Third-Party, Fire and Theft Car Policy

The coverage included in this policy mostly has the same conditions as Third Party Property Insurance. You get the added benefit of protection from fire damage or theft. You still don’t get cover for damage in a crash!

It is a good mid-range offer if you want slightly more coverage than third-party property car insurance. Fire and theft are very real risks to protect yourself against. But, it is also important to remember that this does not cover theft of items in the car.

You should think of choosing this option for a little more security.

Budget Direct Car Insurance Discounts

Budget Direct car insurance also provides a way to save on your premium by adding some restrictions to your policy. Each of the insurance types gives the option of Driver-age Restriction for a discount. It means that you may limit the age of people driving your car to 21+, 25+, 30+, 40+, or 50+. No other car insurance provider makes this available to customers.

You can also pursue a Low Kilometre discount. It just means that you can get a discount on your premium if your car travels less than 12,000 km a year. Obviously quite good if you don’t drive so often.

Lastly, increasing your basic excess and not making a claim for a year can give you further discounts. You can receive a no-claim discount that stacks for up to five years of making no claims. Just remember that you can only get these discounts if you’ve taken the comprehensive plan.

Availing these discounts can also be done even when you have already started your policy with Budget Direct Car Insurance. It’s easy to see how being a more responsible driver rewards you.

CTP Car Insurance

Compulsory Third Party Car Insurance is exactly that. The law requires that all vehicles in Australia are covered for the liability of injuring or killing another person. You can’t drive on the road or register your car if you don’t have this. Budget Direct Car Insurance is only able to provide this plan in NSW and you can learn more about it on their website.

Budget Direct Car Insurance Exclusions

Remember that car insurance isn’t mainly about protecting your car, but protecting you from liability. You can read on and on about the many benefits of comprehensive car insurance, but extra features are not always worth it. Be a responsible driver. Study the fine print and know your coverage with certainty.

Be aware of who drives your vehicle and include them in your coverage. If you allow someone who’s not covered by your insurance to drive your car, then you’ve just set yourself up for a fall. While a comprehensive package gives protection from most accidents, you forfeit the claim if you’ve been irresponsible with your car.


There isn’t much left to say about how good Budget Direct is. Before selecting a plan that is best suited for you, manage your expectations. Going for a more expensive comprehensive plan with additional benefits fits a person with an expensive car to protect.

At the same time, you should not quickly choose the cheapest plan available when you know that you have bigger needs. Getting into an accident that you share responsibility in does not mean your plan covers repairs to your vehicle. Manage your expectations and make a reasonable choice. Rest assured, that you will be in good hands.

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