Budget car insurance

Budget car insurance offer three choices of cover: 

There’s no telematics insurance cover currently though some established ‘big name’ insurance companies – Aviva is one – do offer black box insurance. 

Budget doesn’t offer a multicar insurance policy Taking out a multi-car insurance policy can help reduce your insurance costs: 

Budget offers short-term insurance under the brand Jaunt. Short-term insurance is available from one hour to 30 days. You will be asked for the vehicle registration and your driving licence then decide how long you want the cover to last. The amount of excess varies – but it will be confirmed before you buy your insurance.

Fully comprehensive cover includes:

Budget says if you (or a partner) are accidentally killed or permanently injured getting in, travelling in or getting out of your car or any other private vehicle that you don’t own it will pay £5,000 for each death. 

There is £5,000 for the total and irrecoverable loss of sight in one or both eyes and £5,000 for the permanent loss of use of one or more limbs above the wrist or ankle.

You’re insured for the front windscreen, side, rear window and standard sunroof. Any repair to your car’s bodywork that has been damaged by broken glass from the windscreen or windows is also covered. A claim will not affect your no-claims discount. 

If you use your own supplier Budget says cover is limited to £150 less any excess. Be advised there’s no cover for damaged or broken glass in panoramic glass roofs.

You’ve covered for up to £150 for personal belongings not permanently fitted to the car. Also cover for items damaged following an accident, fire, theft or attempted theft involving the car. 

Belongings though aren’t covered if left in an open or convertible car, unless locked in the boot or glove box. Mobile phones aren’t covered at all – so be careful with all your devices including tablets and lap-tops.

Budget claims child seat cover up to £300 is included – even if there’s no apparent damage evident.

Any loss or damage from incorrectly fuelling or maintaining the car is not covered at all.

Budget has a full range including personal accident cover, ‘keycare’ cover, guaranteed replacement car plus breakdown cover too – up to five levels of protection.

Breakdown cover is available as a cost option with several levels of RAC cover offered. But any breakdown that would have been prevented by regular servicing will not be supported, you’re advised.

You can drive in Europe for up to 60 days in any period of insurance with full policy-equivalent cover.

If you’re in an accident that’s not your fault, Budget says its Motor Legal Protection provides legal expenses to help you and your passengers claim compensation for uninsured losses including personal injury.

Budget says it provides legal expenses to defend you if you are facing suspension or disqualification of your driving licence. However motoring prosecution defence doesn’t cover any fines or penalties, or charges relating to drink or drugs. There must be a reasonable chance of case success, it advises.