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As a broker, Budget Insurance searches a number of different car insurance providers to find you the best deal.
Whether you’re simply looking for third party insurance or want cover for any eventuality, check out our analysis of Budget Insurance before you buy.
Founded in 1996, Budget Insurance is an insurance broker that works with a huge list of providers. It offers home, car, van and life insurance policies with varying levels of cover for each.
Budget offers three possible cover options.
To drive your car on the road in the UK you will need at least third party car insurance. All it protects against is the costs that arise from any damage done to other people’s cars if something happens that is your fault.
Popular with drivers of less valuable cars, TPFT insurance covers damage to other people’s cars as well as insuring your own car against fire or theft.
If you love your car and want it safe in any event, you’ll likely want to opt for comprehensive cover. This will include loads of great extras like a courtesy car, personal injury cover and cover for windscreen damage.
Budget Insurance’s most expansive cover option is comprehensive, but you don’t necessarily need to go for that to get the level of cover you need. Budget offers a number of additional extras so you can up the level of cover, even if you’ve decided on their cheapest cover option. These include:
Budget Insurance offers single car insurance – it doesn’t offer multi-car cover.
Cover | Third party, fire and theft | Comprehensive |
---|---|---|
Fire damage | ✓ | ✓ |
Theft | ✓ | ✓ |
Accidental damage | – | ✓ |
Liability to others | ✓ | ✓ |
Windscreen cover | – | ✓ |
Excess refund for uninsured driver damage | – | ✓ |
Child seat cover | – | ✓ |
The excess is the amount you will be expected to pay before your insurer will cover the costs of any claim.
This amount should be refunded to you if the damage done to your car was caused by an uninsured driver, if you have comprehensive cover.
All insurance providers must state in your policy documents what’s not covered. It’s important that you read these documents in full, but in general Budget Insurance excludes payments for:
You can make a claim by calling Budget Insurance’s 24/7 claims hotline on 0344 412 2127. You’ll need to have your policy number to hand, as well as your name and address. If the claim is about an incident in which the police have been involved, it would also be a good idea to have your crime reference number and the details of any witnesses.
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