Budget Insurance

Learn more about Budget car insurance

Last reviewed 30 June 2022

Why choose Budget Insurance?

  • Access to a 24/7 UK claims helpline.
  • Standout benefits include motor legal cover on all levels of policy.
  • Access to your own details via Budget’s online portal.

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Who is Budget Insurance?

Budget Insurance Services is a broker that specialises in home, van and life insurance, in addition to car insurance.

The Peterborough-based company has helped around 3 million customers across the UK find cover since being founded in 1992 as part of BGL Group. The insurance arm of BGL Group was sold to the Markerstudy group in April 2022. The new parent company employs more than 3,500 staff, and is headquartered in Kent.

Budget car Insurance has achieved a five-star rating from independent financial analyst Defaqto for the quality of its policy. It’s also been ranked as ‘excellent’ by Trustpilot, based on more than 11,360 customer reviews.

Budget operates a dedicated claims line, which is free to call 24 hours a day, 365 days a year. If you want to review and even change your policy cover this can be done via the My Account portal of the Budget Insurance website.

It’s worth pointing out a couple of standout features that are offered on even the most basic, third party only car insurance policies, which are motor legal protection and cover to drive abroad.

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.

Third party, fire and theft – also covers loss and damage caused by fire, theft or attempted theft of your car and belongings from your car.

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.

Budget car insurance contact details

If you’d like to contact Budget Insurance you can write to their head office at:

Pegasus House
Bakewell Road
Orton Southgate
Peterborough
PE2 6YS

Alternatively, call 0344 412 2118 for customer services, 0344 412 2115 to renew a policy on Monday to Friday, 8am to 8pm, on Saturdays 8am to 6pm or Sundays 10am to 4pm. You can also contact the 24/7 claims line on 0344 412 2127.

Policyholders can view their policy through the My Account portal. Budget can also be reached by emailing contact@budgetinsurance.com.

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