Vehicle insurance quotes online

What is car insurance?
Car insurance protects you against financial loss for damages resulting from car accidents, theft, weather events and other unforeseen costs according to your policy type. A car insurance policy helps pay for the cost of damage to cars, property, and even people.

What does car insurance cover?
It can cover you if you cause personal injury in an accident or if you damage property or another vehicle. If you opt for a higher level of coverage, you may also be covered for the repair or replacement costs of your vehicle as a result of collisions, fire, theft, and weather events. Most policies will vary in coverage (and price), which is why it’s important to review your options carefully.

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Types of car insurance
Compulsory Third Party (CTP)
Covers repair costs for vehicles and property owned by others, but does not pay for your own car’s repairs if you’re at fault. If you want to avoid paying repair or replacement costs for someone else’s vehicle when you’re at fault, you will need Third Party Property cover.

Third Party Property
Covers repair costs for vehicles and property owned by others, but does not pay for your own car’s repairs if you’re at fault. If you want to avoid paying repair or replacement costs for someone else’s vehicle when you’re at fault, you will need Third Party Property cover.

Third Party Fire & Theft
Offers the same level of cover as Third Party Property, with the inclusion of cover for fire-related damage/replacement costs, or if your car is stolen. Although it offers broader coverage, this type of insurance won’t pay towards any repairs to your car if you’re at fault in an accident.

Comprehensive
Pays for repair/replacement costs for your vehicle and others – regardless of who is at fault. It also can cover damage caused by fire, storm, hail, and theft. If you’re worried about expensive repair or replacement costs to both your vehicle and others, then a comprehensive policy is the best way to protect yourself.
get more with Budget Direct Car Insurance
Tailor-made cover
Save by restricting your policy to drivers of a certain age: 21+, 25+, 30+, 40+, 50+ – the biggest age range of any major insurer‡.

Lifetime guarantee
A lifetime guarantee on authorised repairs for as long as you own the car.

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

24/7 claims
You can lodge a claim over the phone or online at any time of the day or night, 365 days a year.

Outstanding value
Winner of Canstar’s Outstanding Value Car Insurance award for a record 12 years in a row (2007 to 2018).

Highly rated claims
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.

Towing costs
If you car is involved in an accident and can’t be safely driven, we will pay the reasonable cost of towing your car.

Hire car following theft
On acceptance of your car-theft claim, we’ll supply you with a hire car, up to 14 days, up to $1,000.