What is Comprehensive Car Insurance?

Comprehensive Car insurance doesn't have to break the bank.

Comprehensive Car Insurance is the most complete level of Car Insurance available.  It provides cover for accidental damage, theft, hijacking, loss, and even damage to other people’s vehicles.

Life on the road can be unpredictable, but your comprehensive cover doesn’t have to be. Comprehensive Car Insurance gives you the confidence to drive forward, knowing you're protected from more than just the basics. At Budget Insurance, we believe peace of mind shouldn’t come at a premium. That’s why our comprehensive cover is designed to be as affordable as it is extensive — because you shouldn’t have to choose between cost and protection.

Here’s what’s included:

Theft, Hijacking & Loss
Your car is more than just a way to get from A to B — it’s your freedom. If it's ever stolen or lost due to hijacking, we’ll pay out the value listed in your schedule. Whether it’s the trade, market, or retail value, you can count on comprehensive insurance to help you get back on the road.

Accident Cover
Mistakes happen — a split second of distraction can lead to a fender bender or worse. If your car is damaged in an accident, regardless of who’s at fault, our Comprehensive Car Insurance covers the repairs or replacement. And if your car can’t be driven, we’ll even arrange towing and storage. It’s our way of easing the stress when things go sideways.

Third-party Liability
If you accidentally damage someone else’s car, you could be held financially responsible. Our third-party cover helps cover those costs, protecting you from potentially hefty repair bills and giving you the support you need when you need it most.

Affordable Car Insurance

Insure more, save more

When you insure a car with Budget, you get a discount if you add multiple cars to your policy. Plus, when you bundle Home and Car Insurance, you get a discount on your Home Contents premium.

Insurance options

We have loads of insurance options to choose from - five to be exact. There is Comprehensive, Third-Party, Fire and Theft, and Third-Party Only Insurance. There are also three Budget Lite plans for modest budgets, vehicles under R250,000 and cars that are paid off.

Assist Benefits

Our range of Assist Benefits are provided with some of our car cover policies. Receive prompt and reliable assistance, no matter your location or situation. Whether you require help on the road, at home, during a medical emergency or if you’re facing legal troubles, our support is just a phone call away.