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Budget Direct Gold Comprehensive car policy

Issued by Auto & General. Insure vehicle to market value or agreed value. Choice of repairer is optional extra. Available in all states & territories.

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CHOICE Expert Rating

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What is the CHOICE Expert Rating?

CHOICE Expert Rating

This is the product's overall performance score, based on key tests conducted by our industry experts in the CHOICE labs.

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Recommended View more details.

We pick policies with the highest CHOICE Expert rating that score well for cover and price.

CHOICE Expert Rating View more details.

The CHOICE expert score is based on our assessment of price and what the policy covers. It's made up of 60% cover score and 40% price score. A higher score is better. N/A means a price score wasn't available for this policy.

Cover score View more details.

The score is made up of incident cover like emergency accommodation and transport and hire car (25%), insured events and legal liability (10%), new car replacement (15%), additional benefits like choice of repairer, windscreen cover, roadside assistance (25%), personal property cover (10%), Sum insured value and excesses (15%)

Price score View more details.

The higher the percentage score, the cheaper the policy compared to other products. This score is across all policies Australia wide, but premiums can differ a lot depending on where you live. Check the $ price rating for your region or state in our comparison table to find a closer price indication for your home. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

Claims satisfaction View more details.

We surveyed customers to ask them about their claims experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. N/A means there was no result for that insurer. This score does not contribute to the CHOICE Expert Rating.

52%
Customer satisfaction View more details.

We surveyed customers to ask them about their overall experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. N/A means there was no result for that insurer. This score does not contribute to the CHOICE Expert Rating.

62%
Insurer
Budget Direct
Policy
Gold Comprehensive
Insurance provider
Auto & General Insurance Company Limited
About the insurer View more details.

Find out what you need to know about this insurer.

<a href=https://www.choice.com.au/budgetdirect>Budget Direct</a>
Good points View more details.

None to mention
Good points View more details.

&#149; Optional choice of repairer<br>&#149; Agreed value available<br>&#149; Very good score for hire car after not at fault incident<br>&#149; Excellent score for towing
Cooling off period View more details.

The cooling off period is the time after purchasing when you can cancel your policy without penalty.

21 days
How your car is valued View more details.

Whether the car can be insured for an agreed value, or whether it is insured for market value only.

Choose agreed value or market value
Same price to pay monthly View more details.

A tick means this insurer doesn't charge a fee for paying monthly. A cross means this insurer imposes an extra administration fee for paying monthly. This is sometimes described as a discount for paying annually, but it amounts to the same thing.

No
ACT price comparison View more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

N/A
NSW price comparison View more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

N/A
NT price comparison View more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

N/A
Queensland price comparison View more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

N/A
SA price comparison View more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

N/A
Tasmania price comparison View more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

N/A
Victoria price comparison View more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

N/A
WA price comparison View more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

N/A
Cover for personal property View more details.

Cover for your belongings inside the vehicle if it is stolen or damaged. Usually excludes cash or cards.

• Up to $500
• Limit combined with child seats benefit
• Covers items designed to be worn or carried
Cover for child seats View more details.

Cover for child seats, baby capsules, etc.

• Up to $500
• Limit combined with personal effects benefit
• Covers child seats and capsules
Cover for keys View more details.

Cover for replacing and recoding keys. Most insurers only cover this after theft, but some also cover lost keys.

• Up to $1000
• Covers replacement keys, remote locking devices and proximity keys; and recoding locks
• Available after theft of keys
Cover for trailers and caravans View more details.

Cover for damaged or stolen trailers. Some insurers include caravans in this benefit. Trailers usually have to be under a size limit, and they're often only covered up to their market value.

• Up to $1000
• Covers collision damage to trailer
Accommodation and transport when far from home View more details.

If you're on the road and need to make a claim, your insurer might cover the costs of accommodation and transport to get you home or to your destination.

• Up to $1000 overall
• Covers transport for driver and occupants to address where vehicle normally kept at night
• Alternatively, claim temporary accommodation
• Available if vehicle is damaged in a covered incident
• Up to $200 per day
Transport costs View more details.

Cover for the cost of a taxi (or similar) from the scene of an accident, then to/from the hire car company and repairer.

• Up to $1000
• Limit combined with emergency accommodation benefit
• Up to $200 per day
• Covers transport for driver and occupants to address where vehicle normally kept at night
Towing after an incident View more details.

Cover for towing from the scene of an incident.

&#149; Covers recovery and towing of car to nearest repairer or holding facility<br>&#149; Also covers storage costs
New car replacement View more details.

If your car is written off in the first few years, some insurers will replace it with a similar new model.

• Covered for total loss within 1 year of purchase
• Must have fewer than 40000km
Reduced excess on glass claims View more details.

Because replacing damaged glass often costs less than your excess, insurers may waive or reduce the excess for windscreen and window claims. Note the difference between repairs and replacements, as not all policies offer a reduced excess for replacements.

• Optional
• $40 excess
• Covers front, rear and side windows
Roadside assistance View more details.

Roadside assistance can help you in the event of a breakdown, which your car insurance doesn't cover you for. Some insurers offer it as an optional extra, while others have it included by default with their policies. Some sell roadside assistance plans to the general public.

Optional
Rental car after theft View more details.

Cover for hire car costs if your vehicle is stolen (or damaged after attempted theft). Cover usually runs until your car is returned or the claim is settled as a total loss.

&#149; Covers costs of hiring a car that meets your needs<br>&#149; Available for up to 14 days<br>&#149; Up to $1000
Rental car after not-at-fault incident View more details.

Cover for hire car costs if your vehicle can't be safely driven after being damaged in an incident where you are not at fault. Cover usually runs until your car is repaired or the claim is settled as a total loss.

&#149; Covers a hire car that meets your needs, arranged by the insurer<br>&#149; Available until claim settled<br>&#149; Up to $75 per day if hire car not available
Rental car after any incident View more details.

Cover for hire car costs if your vehicle can't be safely driven after being damaged in any claimable incident. Cover usually runs until your car is repaired or the claim is settled as a total loss.

&#149; Optional<br>&#149; Applies after at fault accident<br>&#149; Covers a hire car that meets your needs, arranged by the insurer<br>&#149; Available for up to 14 days<br>&#149; Up to $1000<br>&#149; Up to $75 per day if hire car not available
Cover for theft, collision, hail, storm, flood, fire, malicious damage and vandalism View more details.

The basic insured events most policies cover.

Yes
Legal liability View more details.

Cover for damage you cause to others' property with your car. Some insurers also cover liability for injury and death to other people in cases where your compulsory third party injury insurance does not.

$20 million
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