Budget car insurance policy details
Budget offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend that you check the cover and benefits included.
You can choose from three levels of car insurance with Budget:
Third party only – which covers damage to other people’s property, including their vehicles, or injury to other people, including passengers in your car or pedestrians.
Comprehensive cover – as above, but also offers full protection to you, your vehicle and belongings kept in the car.
Third party benefits include:
- Motor legal protection: legal expenses cover will pay up if you’re involved in an accident that wasn’t your fault and need to seek compensation from someone else
- Driving abroad: allows you or a named driver to use the insured car within the European Union for up to 60 days
Third party, fire and theft also covers
- Audio equipment cover: aside from driving abroad and motor legal protection, the cost of replacing or repairing your car’s audio, navigation and entertainment systems is provided
In addition to the benefits mentioned above you also get the following with comprehensive insurance:
- Driving other vehicles: you can drive another insured vehicle and be covered on a third-party basis
- Uninsured driver promise: if your vehicle is involved in an accident caused by an uninsured motorist, any excess you have to pay will be refunded
- Courtesy car: you’re entitled to a courtesy car, typically a 1 litre hatchback, while your car is being fixed by an approved garage
- Child car seat: Budget will pay up to £300 towards the cost of replacing a child's car seat following a collision, even if there’s no apparent damage
- Windscreen cover: you’re covered if your windscreen, side windows, rear window or sunroof is damaged, less any excess that’s applied
- Vandalism promise: your car is protected in the event of malicious damage to your car that’s caused when parked and unattended
- Personal belongings: you can claim up to £150 of personal belongings that are lost or damaged following an accident, fire, theft or attempted theft involving your car
- Death and injury benefit: Budget will pay out if you or your partner is killed or permanently injured entering, exiting or travelling in your or any other private vehicle. Claims are limited to £10,000 per incident, with caps set on the maximum payment for certain injuries
- Medical expenses: covers up to £200 in medical expenses for each injured person as a result of an accident involving your car
- Emergency transport: the insurer will pay up to £100 per person for alternative travel costs, so you and your passengers will reach your destination. Overnight accommodation costs stemming from an unplanned and unavoidable overnight stay
- Replacement locks and keys: up to £500-worth of cover to pay for stolen or damaged vehicle keys and ignition devices. Cover extends to arranging for the car to be transported to the nearest repairers.
You can also select any of the following optional extras, which are available for a small extra cost:
Personal accident cover: This option will pay out up to £30,000 if you’re injured as a passenger or driver. The cash lump sum can help support you and your family following a debilitating accident. The pay-out sum depends on the severity of injuries.
Key care cover: Although your standard policy may cover you for loss of vehicle keys it won’t help if your house, other vehicle, business, padlock or any other keys are lost. You can claim up to £1,000 for a locksmith to fit new keys and locks, or simply gain entry to your home if you’ve locked yourself out.
Guaranteed replacement car: You would get a replacement car of a similar size to your own, unless the loss or damage was your fault or is disputed. In this case you’ll get a replacement car with an engine size of up to 1,000cc. The Guaranteed Replacement Car Plus option gives access to a similar size car as your own for up to 60 days, rather than 28 days.
Breakdown cover: Provided via RAC Breakdown Assistance, this extra benefit ensures a car mechanic will attend you if your car breaks down, providing you’re more than a quarter of a mile from home. Roadside recovery is offered in the UK and 48 European countries.