Budget car insurance

Budget insurance began operating as one of the direct short-term insurance companies to provide products to clients over the phone in 1998. To this day, they remain one of the popular choices of insurance for their easy-to-understand and straightforward insurance policies.

Budget car insurance has simplified car insurance into four policies: comprehensive cover, third party fire and theft, third part and offroad vehicle insurance.

Budget car insurance: comprehensive

Budget insurance comprehensive cover includes cover for all damage (to yours and third party vehicles), theft and hijacking. It includes roadside assistance and medical costs up to the value of R500 per person. It also includes towing and storage, car hire and cover for the canopy.

Budget car insurance includes a basic excess, as well as an additional excess on top of it and does not cover portable possessions that were in the car at the time of its loss.

Budget car insurance: third party, fire and theft

Insured for the same perils as comprehensive insurance, the third party, fire and theft cover does not include all damage. While comprehensive car insurance includes accidental damage to your own vehicle, this cover does not.

The third party insurance does not include cover for theft either, but only damage caused to third party’s vehicles. It does, however, include towing and storage, medical costs to the value of R500 and roadside assistance.

Budget car insurance: off-road vehicles

The off-road cover, or Trailsure, by Budget insurance caters for the same perils as comprehensive insurance, with extra cover for the risks associated with taking the vehicle off-road. This means the medical cover goes up from R500 to R5 000 per person, cover includes most SADC countries as well as accessories fitted to the vehicle for the amount of R10 000.

Unlike some car insurance companies, budget does not include accidental death or injury in their car insurance policies. Such a benefit would cover the driver and his or her household for medical costs or death if such were to take place in the vehicle. For more information on Budget insurance, visit the site by clicking on the link. Otherwise source a range of insurance quotes with difference benefits by filling in our online form.