Direct insurer (Telesure group)

Budget Car Insurance Quote: What Budget Insurance Offers

Budget Insurance is a direct insurer in the Telesure Investment Holdings group. You can get a quote online or ask for a call-back, and it's positioned, as the name suggests, on affordable cover.

People searching for Budget Direct car insurance usually find an Australian brand. Budget Direct is a separate insurer based in Australia and doesn't sell cover in South Africa. In South Africa, the brand you're looking for is Budget Insurance.

What stands out

• Payment holiday: Budget says you can take one month off your car insurance payment each year.
• Cash back bonus that Budget says pays out after two claim-free years.
• Budget advertises a 10% discount when you buy online.
• A lifetime guarantee on repairs, and claims via WhatsApp or phone.
• Budget Insurance Company also underwrites Volkswagen's comprehensive car insurance.

What to check before you accept a quote

• The conditions on the payment holiday and cash back bonus.
• That the online discount applies to the premium you're actually quoted.
• The excess: a cheap premium sometimes comes with a higher excess.
• The basic excess and any additional excesses, for example for young or newly licensed drivers. See what excess means in car insurance.
• Whether your car needs an approved tracker. Many insurers require one above a certain vehicle value. See insurance-approved trackers.

How to get a Budget Insurance car insurance quote

1. Get an online quote to qualify for the online discount.
2. Try a second excess level and compare the premium.
3. Put the quote next to at least two others for the same car and cover.

Comparing is easier when every quote is for the same thing: the same cover type, the same car value (retail or market value) and similar excess. Our guide to comparing car insurance quotes has a checklist.