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Comprehensive vehicle cover at its best

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Cash Back

Simply add the Cash Back Bonus to your Budget Insurance policy and if you remain claim free for two years, we’ll reward you by giving you money back.

Find out more

Comprehensive Car Insurance Benefits

Assist Benefits

We’ve got helpful Assist Benefits for just about everything you might need – Accident and Breakdown Assist plus, Home, Medical, and even Legal Assist.

Towing and Storage

As part of our Accident Assist benefit, we’ll tow and store your car for you if you’ve been in an accident and the car can’t be driven.

Cash Back Bonus

Include a Cash Back Bonus and you only have to wait two claim-free years to get 15% of your premiums back.

What Is Comprehensive Car Insurance?

Comprehensive Car Insurance is everything you’ve been looking for from an insurance partner. It’s the full package. It covers more risks than any other type of auto insurance. This includes theft and hijacking, loss, accidental damage, and third-party damage.

And when you have cover with Budget, it’s also affordable, ‘cos we know you can’t afford not to have it. Here’s more detail on what our Comprehensive plan covers:

Theft, hijacking, and loss

Of course our Comprehensive Car Insurance in South Africa includes theft and hijacking cover. We know you can’t afford to have your car stolen or damaged in a hijacking – then where would you be? How would you get around? That’s why if your car is stolen and not recovered, we’ll pay you out for the amount stated in your schedule – usually the retail, market or trade value.

Accident Cover

You only take your eyes off the road for a second when you’re changing songs in the car, but that’s all it takes. If you have an accident, whether it’s your fault or someone else’s, we’ll pay to repair or replace the parts of your car that are damaged.

If your car isn’t driveable, we’ll also pay for a tow truck to take it to the panel beater and cover the costs of storage too. ‘Cos we’re nice like that.

Third-party cover

If you damage someone else’s car in an accident that is your fault, did you know you can be legally responsible for paying to repair the damage? Third-party cover protects you when this happens by covering the costs of the repairs up to the limit in your schedule.

Add cover for hail damage, the canopy, and your extra loud sound system.

Include car hire if you need another way to get around when your car’s in for repairs.

Manage your policy online – add and remove cover and request documents in minutes.

More about car insurance

Car insurance calculator

We use a calculator to give you a quote that’s within budget. Find out how it works.

Car insurance companies

How much do you really know about your insurance companies in South Africa? At Budget Insurance, we want you to be informed.

Car insurance types

We offer seven different insurance types. Choose from our most comprehensive plan right down to the lightest cover for the tightest budgets with Budget Lite.

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Budget Insurance is an authorised insurer and FSP. Terms and Conditions online. *Based on independent research.

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Budget Insurance is an authorised insurer and FSP. Terms and Conditions online. *Based on independent research.

What clients say

Absolutely amazing service! Thank you to Eugene who helped the morning of the accident. Our claim was handled in record time, and you phoned exactly when you said you would. Thank you Budget. All your people are gems.

Annelize Faca

A comprehensive list of anwers

Do I need to install a tracking device?

You don’t have to have one installed with our Comprehensive Car Insurance policies, but we strongly recommend you install an approved tracking device in your car. While you’re at it, consider having anti-smash-and-grab windows fitted as well. These added safety features greatly reduce the chances of you being hijacked and of your car being stolen and not recovered. Having to replace a car rather than repair it the most expensive outcome, which can affect your premiums in the future. Play it safe and install a tracking device.

Am I covered if an accident is my fault?

Yes, we’ll pay you out even if you’re at fault in an accident. The only time you won’t be covered is if you do some naughty things, like drive drunk or have an endorsed or invalid driver’s licence. You must also make sure your car is in a roadworthy condition and that no one uses your car without your permission. If someone else has an accident in your car and you didn’t give them permission to drive it, you’ll have to press charges if you want to claim.

Finally, make sure you don’t overload your car with passengers. Basically, drive in a safe manner according to the laws of the road and you’ll be fine.

Does Comprehensive Car Insurance cover me or my car?

Our Comprehensive Car Insurance covers your car, not you. If you’ve broken down somewhere, it has to be while you were driving the car on the policy if you’d like our Road Assist. So if your friend locks his keys in his car, we’re afraid he’ll have to phone his own insurer to come to his rescue.

Remember though that our Comprehensive Cover comes with a range of benefits, not only Road Assist. We also offer Home Assist, so you don’t always need to be in your car to enjoy our Assist Benefits.

How often can I use the Assist Benefits?

How many times you can use an Assist Benefit depends on what the specific benefit is. If you drive a clunker, you might need a tow more often than most. We will tow your car to the nearest repairer an unlimited number of a times in a year.

If your kids keep throwing the cricket ball through the kitchen window, we will only come out and pay the call-out fee plus one hour’s labour three times per year.