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Budget Direct Car Insurance Review

Compare three main cover options. Plus, how you could lower the cost of your insurance.


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Budget Direct Insurance
Whether you want basic cover or a more comprehensive plan, Budget Direct Car Insurance could meet your needs before you get behind the wheel. The multinational insurer is known for its affordable cover options, alongside regular promotions that can further reduce the cost of your premium.

Read on to find out about the main types of car insurance offered by Budget Direct.

Compare policies and apply securely

Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft Guarantee on Repairs
Budget Direct Insurance Comprehensive Car  Insurance
Up to market value at the time of damage
12-months repair guarantee at authorised workshops.
Pay Less or Get $100 Promo. Compare your current renewal notice with a quote and if our quote is not cheaper, we will give $100, no need to buy. T&Cs apply. Ends 30 September 2020.
Budget Direct Insurance Third Party Fire and Theft Car Insurance
12-months repair guarantee at authorised workshops.
Pay Less or Get $100 Promo. Compare your current renewal notice with a quote and if our quote is not cheaper, we will give $100, no need to buy. T&Cs apply. End 30 September 2020.
Budget Direct Insurance Third Party Only Car Insurance
12-months repair guarantee at authorised workshops.
Pay Less or Get $100 Promo. Compare your current renewal notice with a quote and if our quote is not cheaper, we will give $100, no need to buy. T&Cs apply. Ends 30 September 2020.

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More about Budget Direct car insurance

Budget Direct was founded in 2000 and today provides car, motorcycle, home and travel insurance to millions of policyholders across the world. Budget Direct’s policies are underwritten by Auto & General Insurance (Singapore) Pte. Limited, part of the global BHL Group. The group, whose divisions span four continents, generate more than $2bn in annual revenue.

Budget Direct car insurance levels of cover

Comprehensive cover

The strongest cover offered by this insurer. It gives all the same protection as third party, fire and theft cover; plus, it covers any type of damage to your car, including extra repairs to your car’s windscreen and windows.

Third party, fire and theft cover

This type of insurance covers the cost of repairs following damage or injury to other people’s cars and property. Plus, it covers you against the loss or damage to your car if it’s stolen, or gets damaged by fire.

Third party only

This is the most basic type of car insurance and will only cover any injury or damage you cause to other cars or property. It won’t give you any financial help for injury or repairs to your vehicle.

Once you’ve chosen the cover level, you’ll have to select one of the following two plans:

  • Named Driver Plan. You’ll name the car’s main driver and any others who intend to drive your car under your insurance.
  • Authorised Driver Plan. Simply name the car’s main driver, along with any drivers who are in your household. Anyone else who drives your car won’t have to be named on your policy.

What will be covered?

Cover FeatureComprehensiveThird Party, Fire and TheftThird Party Only
Injury or death to someone else
  • Unlimited cover
  • Unlimited cover
  • Unlimited cover
Damages to other people’s property
  • Up to Up to market value at the time of damage
  • Up to S$5,000,000
  • Up to S$5,000,000
Legal costs
  • Up to S$3,000
  • Up to S$3,000
  • Up to S$3,000
Towing costs
  • Up to S$500 – the limit is S$200 within Singapore
  • Up to S$500 – up to your car’s market value
  • N/A
Loss or damages to your car by fire or theft
  • Up to your car’s market value
  • Up to your car’s market value
  • N/A
Choice of Repairer
  • Authorised workshops only (you can upgrade this feature to include workshops of your choice)
  • Authorised workshops only
  • Authorised workshops only
Windscreen or window repairs
  • Included
  • N/A
  • N/A
Loss or damages to your car after any accident, regardless of fault
  • Up to your car’s market value
  • N/A
  • N/A
Loss or damages to your car after theft, vandalism or natural events
  • Up to your car’s market value
  • N/A
  • N/A

What add-ons are available?

With Budget Direct, you may need to add a number of features onto your policy to extend your cover and make it fully comprehensive. These add ons – some of which won’t be available to you when choosing third party, fire and theft; or third party only cover – include:

  • Personal Accident cover. Add cover worth up to S$100,000, which is paid in the event of injury or death to you or an insured driver after an accident.
  • Medical Expenses. Get up to $500 in cover per person for the insured driver and passengers.
  • No Claim Discount (NCD) Protector. Retain your hard-earned No Claim Discount in case you need to make up to one claim on your insurance.
  • Any Workshop. Enjoy the flexibility to choose where your vehicle gets repaired.
  • Windscreen Add-on. Get up to two claims on a damaged windscreen or windows (this cover is included with comprehensive cover).
  • Transport Allowance. If your car isn’t roadworthy or is lost, you could get a S$50 transport allowance per day for up to 10 days.
  • 24/7 Roadside Assistance. Get round-the-clock help for emergencies or breakdowns while on the road.
  • Overseas Emergency Allowance. Get up to S$25,000 in cover per person if you need to be returned to Singapore after an accident in Malaysia or Thailand.
  • Modifications and accessories. These will need to be LTA compliant and pre-approved by your insurer.

You should expect to pay more for your policy if you choose any extras.

What won’t be covered?

  • Your car was being used to carry passengers for business purposes
  • Your car was being driven by an unlicensed driver, or someone whom the insurer has refused to cover
  • Your car was being driven by someone who was under the influence of alcohol or drugs
  • Your vehicle was carrying more people, or a larger load than the legal limit
  • Your car was being driven while in an unsafe or un-roadworthy condition
  • Your vehicle was subjected to a deliberate, intentional, malicious or criminal act by you, anyone person driving your car, or anyone else acting with your consent
  • It is for loss or damage that occurs after an accident, theft or breakdown unless you have taken reasonable steps to protect your vehicle
  • Your car is being used for purposes of racing
  • It is for any loss of use of your vehicle
  • It results from the lawful seizure of your vehicle
  • A claim which is in any way fraudulent, false or exaggerated

We encourage you to read Budget Direct’s full terms and conditions for each type of car insurance you compare.

Pros and cons of Budget Direct car insurance


  • Competitively priced policies
  • Flexible plans help you take control of your insurance
  • Secure a 15% discount on your cover if you drive your car less frequently and register it as an Off Peak Car.
  • Enjoy a policy discount if you commit to driving in SIngapore only (comprehensive plans only).
  • Peace of mind that you have a high cover limit if you cause damage to other people’s property
  • Get $20 in shopping vouchers when you refer someone and your friend will get 5% off any policy they buy.


  • You may have to buy a number of add-ons to secure the cover you require
  • Young drivers or other higher-risk drivers may struggle to secure cover
  • Personal accident coverage
  • Medical expenses
  • Any workshop for repairs

How to make a claim

You can file a claim with Budget Direct online, or by calling 6221 2199 if you’re in Singapore. If you’re overseas, call +65 6540 2199. Phone lines are open 24/7. You can also visit a branch in-person in Singapore.

You’ll be directed to a claims executive who will be responsible for handling your claim.

Your claims process may be faster if you have certain details to hand, including:

  • Your policy number
  • Your NRIC details
  • Details of the incident (such as the time and place it happened)
  • Other drivers’ names, addresses, vehicle registration numbers, and insurance details
  • Details of any witnesses
  • Police report number (if applicable)

You should always contact your insurer within 24 hours of the accident where possible.

Frequently asked questions

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