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If you purchased Budget Direct Life Insurance on or before 30 June 2018 Click Here

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1 Month Cover FREE§

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WITH 15%‡ ONLINE DISCOUNT

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Insurance discounts

Get a quote and buy a new car or home and/or contents insurance policy online and you'll save 15% to 30% on your first year's premium.

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eGift card offer

Purchase a new Pet Insurance policy and get a $100 eGift Card.*

Use Code: ECGIFT

Existing Customers

At Budget Direct we value our customers and pride ourselves on providing great value insurance that you can rely on when you need it most.

Car Insurance for Seniors

Get rewarded for your maturity and driving experience with cheaper car insurance packed with benefits and features.

Seniors Car Insurance Solved® with Budget Direct

Restrict the age of the drivers on your policy to 21+, 25+, 30+, 40+, or 50+; the biggest age range of any major insurer.

A 4.3 out of 5 stars claims service, based on more than 3,000 customer reviews collected by Bazaarvoice, a leading independent ratings provider.

Get a lifetime guarantee on authorised repairs for as long as you own the car.

For every year you go without making a claim, we’ll reduce your premium (capped at 5 years).

Compare our prices

As a senior, your driving skills have been honed over many years and you tend to take less risks behind the wheel than young drivers do.

It’s because we insure relatively safe drivers like you – as opposed to unsafe drivers – that we can keep our premiums low.

Compared to their previous insurers' premiums, customers across Australia who switched to Budget Direct Comprehensive Car Insurance told us they saved an average of

$### †

Use our Comparitron™ tool to compare car insurance savings against other insurers.

†See what this figure is based on

Find out more about what cover we offer in your state

Choose your cover

With Budget Direct, you can select one of three types of car insurance:

Comprehensive Car Insurance

Covers loss or damage to your vehicle due to an accident – regardless of who’s at fault – severe weather, fire, malicious damage, and theft; and your liability for damage your car causes to other people’s property. Read more

Third Party Property Only Insurance

Covers your liability for damage your car causes to other people’s property, including their vehicle and home. Read more

Third Party Property, Fire and Theft Insurance

Provides the same cover as Third Party Property Only Insurance, with extra protection against loss or damage to your vehicle due to fire and theft. Read more

Award-Winning Australian car insurance

After comparing over 47,000 quotes, comparing 50 Comprehensive Policies offered by 41 insurance providers, across 42 Consumer profiles, Canstar proclaimed Budget Direct winners of the National Outstanding Value Car Insurance Award for 2023. In the process, Budget Direct became the only brand in any category to win a Canstar National Outstanding Value Award 17 years in a row.

We also won Money magazine's Best of the Best 2024 winner for Best-Value Car Insurance 6 years in a row (2019–24); Mozo Experts Choice 2023 award for Exceptional Value Car Insurance; and Finder's 2024 Best Car Insurance - Value award.

We were also rated 5 stars by LMI ClaimsComparison for our Motor and Home & Contents Insurance product. 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.

More ways to save

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

Do you need comprehensive cover for your car, or would third party insurance be enough?

If you get a quote and buy a Gold Comprehensive or third party insurance policy online, you’ll receive a 15%^ discount on your first year's premium. ^Conditions Apply

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

By paying annually instead of in instalments (i.e. fortnightly or monthly), you’ll pay a lower premium and avoid instalment processing fees.

Speak with a real person

While all of our customers can manage their policies online if they wish, we know a lot of people, including seniors, prefer talking to someone.

The good news is you can call us on 1300 139 591 (claims) or 1300 306 560 (customer service) at any time - 24 hours a day, 365 days a year.

Rest assured you’ll be in good hands: At the 2017 Auscontact Association awards, our Queensland call centres, who service our customers nationwide, won three titles, including Best Centre Team

Licensing of older drivers

There’s obviously no point in having car insurance unless you’re licensed to drive. So what are the rules and regulations surrounding older drivers in your state or territory?

Australian Capital Territory

New South Wales

Queensland

Western Australia (80 years or older)

Northern Territory

South Australia

Tasmania

Victoria

In addition:

Note: This information was current on 2 December 2020.

Get a quote online and save 15%^

Get a quote online – it takes just two minutes. If you get a quote and buy a new Gold Comprehensive or third party policy online, you’ll receive a 15%^ discount on your first year’s premium.

^Conditions Apply

Frequently asked questions

Yes – as long as you supply us with proof of your current no-claim bonus (or no-claim discount, as we call it) or driver rating.

For example, you may have a renewal notice from your current insurer that shows your no-claim bonus or rating.

We’ll factor in the rating when we calculate your premium.

With Budget Direct, you can insure your car for its market value or, in some cases, for an agreed value.

Market value is the value of the car at the time of loss or damage, taking into account factors such as the make, model, age, kilometres travelled and overall condition. We may use local market prices, recognised industry publications or other sources to determine the market value.

To get an idea of what your car may be worth, search for it in the Red Book or on car sales websites.

Please note that the prices provided by these sites are only meant to be a guide. Your car's market value will be determined by us at the time of the loss or damage.

Agreed value is the amount we agree to insure your car for. We may offer you an agreed value, provided:

The value for which your car is covered is shown on your insurance certificate and in your online account.

Budget Direct doesn’t issue cover notes, which are temporary documents insurers historically provided to cover policyholders until they received their formal insurance documents.

Instead, when you buy a policy from us, we’ll give you a policy number – confirmation your car is covered.

Gold Comprehensive Car Insurance includes cover for your caravan if it’s damaged in a collision while being towed by your Budget Direct-insured car, up to $1,000. Please note that your caravan’s contents are not covered.

Yes – as long as all reasonable steps are taken to prevent any loss or damage, and the vehicle’s not being used for racing, trials, tests, contests or rallies.

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† {comparitron-disclaimer} ‡ Your car would not be covered while it was being driven by someone under the restricted age.

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For general enquiries and feedback,  Contact Us or Make a Complaint

Insurance (excluding Pet Insurance) is arranged by Auto & General Services, ABN 61 003 617 909, AFSL 241411. Registered Office: 13/9 Sherwood Road, Toowong 4066 on behalf of the insurer, Auto & General Insurance Company Limited ABN 42 111 586 353.

Budget Direct Pet Insurance is administered by Pet Health Insurance Services Pty Ltd ABN 59 638 910 675 as Authorised Representative 1282153 of Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL 285571, Registered Office: 13/9 Sherwood Road, Toowong 4066 on behalf of the insurer AGIC and is promoted by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411.

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. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached.

^Online Discounts Terms & Conditions

†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 April 2023 - 30 September 2023. Individual circumstances and policy terms may vary. Please compare for yourself.

* Reviews

Based on a survey of Budget Direct Car and Home Insurance customers conducted between 10 February 2015 and 31 March 2024. Visit www.budgetdirectreviews.com.au for more details.