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Affordable Car Insurance Premiums

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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

Affordable Car Insurance


Insure more, Save more


Get a discount when you add multiple cars to your policy. Plus, when you bundle car and home insurance, you get a discount on your home contents premium.


Insurance Options


We have loads of insurance options to choose from – seven to be exact. We have Comprehensive Car, BetterCar Value, Third-Party, Fire and Theft, and Third-Party Only. There are also three Budget Lite plans for those small budgets and cars that are paid off. 



Assist Benefits


Our range of Assist Benefits comes standard with some of our car cover policies. Get help fast wherever you are. Whether it’s on the road, at home, in a medical emergency, when you’ve experienced a traumatic event, or when you have legal troubles. Even when you need to make appointments but don’t have the time, we can assist.

A Range Of Cover Options

Third-Party, Fire and Theft


Budget Lite

What is Car Insurance?


We know how tough it can be to stick to your budget. The price of everything keeps going up and up and the balance of your bank account keeps going down and down. 


At Budget, we want to make insurance affordable for everyone no matter what their budget is. Your car cover should fit into your budget; you shouldn’t have to change your budget to fit your insurance. That’s why we have a wide selection of Insurance options to choose from.


Need the whole package for your beloved car? Look at our Comprehensive Car Cover. It covers your car for accident damage, theft, loss, and the third-party damage you might have to pay if you cause an accident. 


Or cover just the basics with Third-Party, Fire, and Theft Insurance or Third-Party Only. Third-Party, Fire, and Theft cover you for everything Comprehensive does except accidental damage to your own vehicle. Third-Party Only Insurance insures you in case you cause accidental damage to someone else’s property.


Upgrade your cover to BetterCar Value, which is like Comprehensive Cover, but – better. It has all the same extensive cover, but if your car is written off, you get a newer version of the car you drive.


And of course, there’s Budget Lite. Driving a car that’s worth less than R100 000 that isn’t financed? Or maybe driving a financed or non-financed car that’s worth less than R250 000?". All three include up to R1 million in third-party cover. Depending on which level of cover you need, you can add cover for hail, theft, and your sound system. Also, get the costs of towing and storage covered plus a cash payout after an accident (Budget Lite 3).


Add Scratch & Dent, Tyre & Rim Guard, Auto Top-Up, and a Motor Warranty to your insurance policy to look after your vehicle inside and out.


Our Comprehensive, BetterCar Value, and Third-Party, Fire, and Theft policies automatically come with our Assist Benefits, which you can use any time, any day. ‘Cos everyone should have the chance to get an affordable vehicle insurance quote.

Comprehensive Cover


We’ll cover you for theft, loss, and damage to your car, and third-party damages in case you cause an accident because your eating-while-driving skills are lacking.

Third-Party, Fire & Theft Car Cover


A good option if your budget is a little tighter. We’ll cover your car if it’s stolen or damaged in a fire (hey, it happens), and third-party damages.

BetterCar Value Cover


Get the same perks as our Comprehensive Cover. However, if your car is written-off in an accident, we’ll pay you out for the same model car but one year newer with lower mileage.

Scratch & Dent


Keep your car looking like you just drove it off the showroom floor with Scratch & Dent. Cover your vehicle for those small and pesky scratches, dents, and chips.

Budget Lite 


For the smallest budgets, We’ve also got Budget Lite for small budgets and cars worth less than R250 000. With three affordable options, there’s a lite and lekker version for everyone

Third-Party Only Cover


A good choice if your car is paid off and its nickname is ‘skedonk’. Third-Party Only Insurance covers the cost of any damages you cause to a third-party’s property.

Tyre & Rim Guard


Hit a pothole again? Accidently mount the curb? Fix or replace your damaged tyres and rims right up with our Tyre & Rim Guard.

Auto Top-Up


If your car is written off or stolen, will your payout cover the outstanding balance on your finance? It will when you add Auto Top-Up to your car insurance.

Motor Warranty


Don’t let a mechanical or electrical fault in your car mess with your budget. Our Extended Motor Warranty and Pre-Owned Motor Warranty will help keep your car running like it should.

Frequently Asked Questions

Is there such a thing as cheap car insurance?

Yes, with Budget you can get cheap car insurance. In fact, we have one of SA’s lowest insurance quotes.* We think insurance isn’t just for expensive cars – everyone deserves to have some level of vehicle cover. But whether you need Comprehensive Car Cover or a cheeky little Budget Lite policy, we’ll make sure you have cover that fits your budget.

Can I use a vehicle repairer of my choice?

You can only use a Budget-approved repairer to fix your car after an accident. That’s because we have found some of the best repair professionals at the most affordable prices. We are proud to provide a lifetime guarantee on all repairs our partners make to your car. We like to manage the claims process from start to finish so we know you’re getting the best service at the best price.

How do I lower my car insurance premiums?

There are many ways to lower your premiums. Here are a few of our budget-friendly tips:


  • Start off by insuring additional cars and even your home contents with Budget. Get a discount when you add multiple cars to your policy. Plus, when you bundle car and home insurance, you get a discount on your home contents premium.
  • Drive as safely as possible, because the longer you go without an accident or a claim, the lower your risk is.
  • Speak to one of our consultants about insuring your car for the correct value, because you don’t want to be over-or underinsured.
  • Install an approved tracking device so if your car is stolen, you have a better chance of recovering it.

What is the best car cover?

At Budget, there is no single ‘best’ Car Insurance. That’s why we offer six levels of cover. We’re confident that among these coverage options, you’re bound to find one that makes the most sense for you. Having said that, the best car insurance is the one that offers the right level of cover for your car based on its value, age, and mileage, while still being affordable. Chat to a Budget consultant to find the best car cover for you.

Will my premiums decrease as my car gets older?

Unfortunately, no. See, we don’t only base the cost of your monthly auto insurance on how much your car is worth. Because the majority of claims are for repairs and not replacements, we take the cost of repairs and spare parts into account. And because the cost of parts and repairs is always rising, car insurance premiums rise too even as your car loses value.

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

BetterCar Value


Upgrade your cover to BetterCar Value, which is like Comprehensive Cover, but – better. It has all the same extensive cover, but if your car is written off, you get a newer version of the car you drive. 


*Please note:

  • The BetterCar option applies to all vehicle models less than or equal to 8 years old.
  • The BetterCar option does not apply to vehicles written-off as a result of theft, attempted theft, hi-jacking or attempted hi-jacking.

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.


Ready to Budget?

Get Covered Today.

Save up to R340pm* with us!