It also includes personal accident cover for serious accidental injuries or exposure to HIV at no extra cost.
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Auto Top-Up Plus for credit shortfalls
Covers Credit Shortfall if your car is stolen or written off
Includes personal accident cover
Optional Excess protector
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Budget Insurance Auto Top-Up Plus helps cover that gap. It’s a reliable credit shortfall cover that pays the difference between your comprehensive insurance payout and the original financed amount of the vehicle. It also includes personal accident cover for serious accidental injuries or exposure to HIV at no extra cost.
If your car is stolen or written off, your insurance payout might not cover what you still owe. This can put a big strain on your budget - especially if your car is still under finance.
Budget Insurance Auto Top-Up Plus helps cover that gap. It’s a reliable credit shortfall cover that pays the difference between your comprehensive insurance payout and the original financed amount of the vehicle. It
It also includes personal accident cover for serious accidental injuries or exposure to HIV at no extra cost.
What is covered:
Auto Top-Up Plus includes two layers of protection
1. Primary Cover: Credit Shortfall Cover (as detailed below)
2. Included Benefit: Personal Accident Cover (as detailed below)
Auto Top-Up Plus includes two
layers of protection
1. Primary Cover: Credit Shortfall
Cover (as detailed below)
2. Included Benefit: Personal
Accident Cover (as detailed below)
1. Credit Shortfall Cover
We cover what your short-term insurance doesn’t
When your financed car is written off or stolen and your
insurance payout isn’t enough to settle your debt, we
cover the shortfall – so you don’t pay out of pocket.
Pays the difference between your car’s insured value and your original finance agreement
Covers in the event of total loss
Supports you with up to 2 months of instalments post‑claim approval.
When your financed car is written off or stolen and your insurance payout isn’t enough to settle your debt, we cover the shortfall – so you don’t pay out of pocket.
Pays the difference between your car’s insured value and your original finance agreement
Covers in the event of total loss
Supports you with up to 2 months of instalments post‑claim approval.
2. Personal Accident Cover
Extra protection – for you and your family
Auto Top-Up Plus goes beyond your car, offering financial and emotional support when you’ve been seriously injured in an accident.
Tax-free payout for accidental death
Cover for permanent disability
Daily compensation during hospital stays
Trauma counselling
Emergency medical evacuation
1. Credit Shortfall Cover
We cover what your short-term insurance doesn’t
1. Credit Shortfall Cover
We cover what your short-term insurance doesn’t
When your financed car is written off or stolen and your
insurance payout isn’t enough to settle your debt, we
cover the shortfall – so you don’t pay out of pocket.
Pays the difference between your car’s insured value and your original finance agreement
Covers in the event of total loss
Supports you with up to 2 months of instalments post‑claim approval.
When your financed car is written off or stolen and your insurance payout isn’t enough to settle your debt, we cover the shortfall – so you don’t pay out of pocket.
Pays the difference between your car’s insured value and your original finance agreement
Covers in the event of total loss
Supports you with up to 2 months of instalments post‑claim approval.
Extra protection – for you and your family
2. Personal Accident Cover
Extra protection – for you and your family
Auto Top-Up Plus goes beyond your car, offering financial and emotional support when you’ve been seriously injured in an accident.
Tax-free payout for accidental death
Cover for permanent disability
Daily compensation during hospital stays
Trauma counselling
Emergency medical evacuation
Optional Benefits
Optional Benefits
Choose more protection with these optional benefits - available at an additional cost.
Choose more protection with these optional benefits - available at an additional cost.
Optional excess protector
When life happens and your comprehensive insurance pays out your claim, that excess bill can catch you off guard. Our excess protector helps cover that out-of-pocket cost, saving you from dipping into your emergency stash.
Optional excess protector
When life happens and your comprehensive insurance pays out your claim, that excess bill can catch you off guard. Our excess protector helps cover that out-of-pocket cost, saving you from dipping into your emergency stash.
Optional instalment protector
If your car is written off and your claim is still being processed. We’ll help cover your instalments for up to 2 months while your comprehensive insurance sorts things out. It’s one less thing to stress about .
Optional instalment protector
If your car is written off and your claim is still being processed. We’ll help cover your instalments for up to 2 months while your comprehensive insurance sorts things out. It’s one less thing to stress about .
Optional excess protector
When life happens and your comprehensive insurance pays out your claim, that excess bill can catch you off guard. Our excess protector helps cover that out-of-pocket cost, saving you from dipping into your emergency stash.
Optional excess protector
When life happens and your comprehensive insurance pays out your claim, that excess bill can catch you off guard. Our excess protector helps cover that out-of-pocket cost, saving you from dipping into your emergency stash.
Optional instalment protector
If your car is written off and your claim is still being processed. We’ll help cover your instalments for up to 2 months while your comprehensive insurance sorts things out. It’s one less thing to stress about .
Optional instalment protector
If your car is written off and your claim is still being processed. We’ll help cover your instalments for up to 2 months while your comprehensive insurance sorts things out. It’s one less thing to stress about .
Please download the brochure for more detailed information.
Please download the brochure for
more detailed information.
Additional cover options for
peace of mind:
Protect your car even further with
tailored cover - available at an
additional cost.
Tyre & Rim Cover
Don’t let road hazards break
the bank! Our Tyre & Rim
Cover offers tyre or rim
repair and replacement,
punctures repairs, wheel
alignment and balancing as
well as tyre rotation helping
you grip the road with
confidence.
Tyre & Rim Cover
Don’t let road hazards break the bank! Our Tyre & Rim Cover offers tyre or rim repair and replacement, punctures repairs, wheel alignment and balancing as well as tyre rotation helping you grip the road with confidence.
Scratch & Dent Cover
Keep your car looking as
good as new! Our Scratch &
Dent Cover takes care of
those annoying chips, minor
dents, and light scratches—
whether inside or out. It’s
the smart way to protect
your car’s flawless finish
from everyday mishaps.
Scratch & Dent Cover
Keep your car looking as good as new! Our Scratch & Dent Cover takes care of those annoying chips, minor dents, and light scratches—whether inside or out. It’s the smart way to protect your car’s flawless finish from everyday mishaps.
Vehicle Warranty Cover
Vehicle Warranty protects
you from unexpected
mechanical and electrical
breakdown costs, giving you
confidence on the road. Our
warranty plans offer
unlimited cover on up to 45
components, including
Breakdown assist benefit
and more.
Vehicle Warranty Cover
Vehicle Warranty protects you from unexpected mechanical and electrical breakdown costs, giving you confidence on the road. Our warranty plans offer unlimited cover on up to 45 components, including Breakdown assist benefit and more.
Tyre & Rim Cover
Don’t let road hazards break
the bank! Our Tyre & Rim
Cover offers tyre or rim
repair and replacement,
punctures repairs, wheel
alignment and balancing as
well as tyre rotation helping
you grip the road with
confidence.
Tyre & Rim Cover
Don’t let road hazards break the bank! Our Tyre & Rim Cover offers tyre or rim repair and replacement, punctures repairs, wheel alignment and balancing as well as tyre rotation helping you grip the road with confidence.
Scratch & Dent Cover
Keep your car looking as
good as new! Our Scratch &
Dent Cover takes care of
those annoying chips, minor
dents, and light scratches—
whether inside or out. It’s
the smart way to protect
your car’s flawless finish
from everyday mishaps.
Scratch & Dent Cover
Keep your car looking as good as new! Our Scratch & Dent Cover takes care of those annoying chips, minor dents, and light scratches—whether inside or out. It’s the smart way to protect your car’s flawless finish from everyday mishaps.
Vehicle Warranty Cover
Vehicle Warranty protects
you from unexpected
mechanical and electrical
breakdown costs, giving you
confidence on the road. Our
warranty plans offer
unlimited cover on up to 45
components, including
Breakdown assist benefit
and more.
Vehicle Warranty Cover
Vehicle Warranty protects you from unexpected mechanical and electrical breakdown costs, giving you confidence on the road. Our warranty plans offer unlimited cover on up to 45 components, including Breakdown assist benefit and more.
Perils covered under the Budget Insurance Auto Top-Up Plus Cover:
We will not cover you if:
Refer to Terms and Conditions for a full list of exclusions.
To claim on the Auto Top-Up Plus policy, contact our call centre on 0860 10 55 38 from Monday to Friday, between 08:00 and 17:00 and one of our helpful consultants will guide you through the process.
The most we will pay is either:
The settlement balance of the credit agreement, minus:
Or the amount stated on your schedule, whichever is the lesser amount.