Find a Car Insurance PDS or T&C (2024)

Current Documents

Budget Direct Car Insurance PDS Part A

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023

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Budget Direct Gold Car Insurance PDS Part B

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023

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Budget Direct Gold Car Insurance - Low Kilometres PDS Part B

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023

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Budget Direct Car Insurance PDS Part B

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023

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Budget Direct Car Insurance - Low Kilometres PDS Part B

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023

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Budget Direct Lady Driver Car Insurance PDS Part B

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023

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Budget Direct Retired Driver Car Insurance PDS Part B

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023

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Budget Direct Car Insurance Premium, Excess and Discount (PED) Guide

This PED Guide applies to new policies quoted on or after 14 December 2023 and policies with a renewal date on or after 21 January 2024

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Financial Services Guide (FSG)

This FSG applies from 22 June 2023

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Budget Direct Car Insurance Target Market Determination

This TMD applies from 27 June 2024

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Budget Direct Car Insurance - Low Kilometres Target Market Determination

This TMD applies from 27 June 2024

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Budget Direct Lady Driver Car Insurance Target Market Determination

This TMD applies from 27 June 2024

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Budget Direct Retired Driver Car Insurance Target Market Determination

This TMD applies from 27 June 2024

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This PDS applies to new policies quoted before 28 February 2019 and policies with a renewal date before 29 March 2019

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Budget Direct Car Insurance - Low Kilometres PDS Part B

This PDS applies to new policies quoted between 14 October 2021 and 20 September 2023 and policies renewed between 31 March 2021 and 28 October 2023

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Budget Direct Car Insurance - Low Kilometres PDS Part B

This PDS applies to new policies quoted between 02 March 2021 and 13 October 2021 and policies renewed between 31 March 2021 and 11 November 2021

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Budget Direct Car Insurance - Low Kilometres PDS Part B

This PDS applies to new policies quoted between 28 February 2019 and 01 March 2021 and policies renewed between 29 March 2019 and 30 March 2021

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Budget Direct Car Insurance - Low Kilometres PDS Part B

This PDS applies to new policies quoted before 28 February 2019 and policies with a renewal date before 29 March 2019

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Budget Direct Lady Driver Car Insurance PDS Part B

This PDS applies to new policies quoted between 02 March 2021 and 20 September 2023 and policies renewed between 31 March 2021 and 28 October 2023

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Budget Direct Lady Driver Car Insurance PDS Part B

This PDS applies to new policies quoted between 28 February 2019 and 01 March 2021 and policies renewed between 29 March 2019 and 30 March 2021

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Budget Direct Lady Driver Car Insurance PDS Part B

This PDS applies to new policies quoted before 28 February 2019 and policies with a renewal date before 29 March 2019

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Budget Direct Retired Driver Car Insurance PDS Part B

This PDS applies to new policies quoted between 02 March 2021 and 20 September 2023 and policies renewed between 31 March 2021 and 28 October 2023

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Budget Direct Retired Driver Car Insurance PDS Part B

This PDS applies to new policies quoted between 28 February 2019 and 01 March 2021 and policies renewed between 29 March 2019 and 30 March 2021

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Budget Direct Retired Driver Car Insurance PDS Part B

This PDS applies to new policies quoted before 28 February 2019 and policies with a renewal date before 29 March 2019

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Budget Direct Car Insurance Supplementary PDS (SPDS)

This SPDS applies for new policies quoted between 28 July 2022 and 20 September 2023, existing policies amended between 28 July 2022 and 20 September 2023 and policies renewed between 27 August 2022 and 28 October 2023 (or as otherwise detailed in the SPDS)

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Budget Direct Car Insurance Supplementary PDS (SPDS)

This SPDS applies for new policies quoted between 31 August 2021 and 27 July 2022, existing policies amended between 31 August 2021 and 25 August 2022 and policies renewed between 29 September 2021 and 25 August 2022

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Budget Direct Car Insurance Supplementary PDS (SPDS)

This SPDS applies to new policies quoted between 28 September 2020 and 01 March 2021 and policies renewed between 27 October 2020 and 30 March 2021

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Budget Direct Car Insurance Premium, Excess and Discount (PED) Guide

This PED Guide applies to new policies quoted between 21 September 2023 and 13 December 2023 and policies renewed between 29 October 2023 and 20 January 2024

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Budget Direct Car Insurance Premium, Excess and Discount (PED) Guide

This PED Guide applies to new policies quoted between 28 July 2022 and 20 September 2023 and policies renewed between 27 August 2022 and 28 October 2023

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Budget Direct Car Insurance Premium, Excess and Discount (PED) Guide

This PED Guide applies to new policies quoted between 28 September 2020 and 27 July 2022 and policies renewed between 27 October 2020 and 25 August 2022

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Budget Direct Car Insurance Premium, Excess and Discount (PED) Guide

This PED Guide applies to new policies quoted between 28 February 2019 and 27 September 2020 and policies renewed between 29 March 2019 and 26 October 2020

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Budget Direct Car Insurance Target Market Determination

This TMD applies to new policies quoted between 24 January 2024 and 26 June 2024, and policies renewed between 02 March 2024 and 03 August 2024

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Budget Direct Car Insurance Target Market Determination

This TMD applies to new policies quoted before 24 January 2024 and policies with a renewal date before 02 March 2024

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Budget Direct Car Insurance - Low Kilometres Target Market Determination

This TMD applies to new policies quoted between 24 January 2024 and 26 June 2024, and policies renewed between 02 March 2024 and 03 August 2024

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Budget Direct Car Insurance - Low Kilometres Target Market Determination

This TMD applies to new policies quoted before 24 January 2024 and policies with a renewal date before 02 March 2024

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Budget Direct Lady Driver Car Insurance Target Market Determination

This TMD applies to new policies quoted between 24 January 2024 and 26 June 2024, and policies renewed between 02 March 2024 and 03 August 2024

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Budget Direct Lady Driver Car Insurance Target Market Determination

This TMD applies to new policies quoted before 24 January 2024 and policies with a renewal date before 02 March 2024

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Budget Direct Retired Driver Car Insurance Target Market Determination

This TMD applies to new policies quoted between 24 January 2024 and 26 June 2024, and policies renewed between 02 March 2024 and 03 August 2024

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Budget Direct Retired Driver Car Insurance Target Market Determination

This TMD applies to new policies quoted before 24 January 2024 and policies with a renewal date before 02 March 2024

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FAQs

How do you answer insurance claim questions? ›

Think deeply about the exact question the agent asked, and only provide that specific information. Never admit to fault. Never admit to even being partially at fault. Never admit that you are uninjured.

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Who typically has the cheapest insurance? ›

USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.

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Why would a car be uninsurable? ›

Beyond theft rates, the reputation of the manufacturer and specific models can influence insurability. Insurers consider historical data, including accident rates, repair costs and overall safety records. Models with a poor track record in these areas might be deemed too risky to insure.

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Why can't I get auto insurance? ›

A history of insurance violations or lapses for non-payment will also make you a poor risk. You have a bad credit rating – Many insurers use credit information as a predictor of risk, as people who do not effectively manage their credit tend to make more claims.

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What not to say when talking to an insurance adjuster? ›

1. Do Not Admit Fault. You do not want to say anything to an insurance adjuster that could be taken as an admission of fault. To recover compensation, you'll need to show that someone else was responsible for your injuries.

What is insurance best answer? ›

Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursem*nt against losses from an insurance company.

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Why do I keep getting denied for auto insurance? ›

You could be denied coverage because of the car you drive, the state where you live, your driving history or your credit score. Each insurance company considers these factors differently. So one company may offer you coverage even if you were denied by another.

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What are three main reasons for car insurance? ›

Without insurance to cover the costs, it might be difficult to pay for repairs to your vehicle. Car insurance also protects you against a lawsuit, even if you cause significant damage to someone's property. The insurance safeguards you and helps you with claims that others make against you in accidents.

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Why would an insurance company refuse to insure you? ›

You have several moving violations and a less-than-perfect driving record. Your license has been suspended or revoked. You drive a fast, high-performance vehicle. You are too young to buy your own insurance policy.

Is it cheaper to buy insurance online or through an agent? ›

It is generally cheaper to buy car insurance online, as there are no agent fees or markups.

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How do you answer a statement of claim? ›

(b) The answer to the statement of claim may include any counterclaims against the claimant, cross claims against other respondents, or third party claims, specifying all relevant facts and remedies requested, as well as any additional documents supporting such claim.

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How do you write a response to a claim? ›

Answering the Claims for Relief

On a separate page or pages, write a short and plain statement of the answer to the allegations in the complaint. Number the paragraphs. The answer should correspond to each paragraph in the complaint, with paragraph 1 of the answer corresponding to paragraph 1 of the complaint, etc.

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What to say when making an insurance claim? ›

When you file a claim, you'll be asked to provide some basic details, such as where and when the accident or incident took place, contact information for everyone involved and a description of what happened. You might also be asked to give an estimated cost of the damage from the accident—if you have that available.

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