Budget Car Insurance: Affordable Cover & Competitive Quotes

Key Facts About Budget Car Insurance

Company Name: Budget Insurance
Established: 1992
Customer Reviews: 15,206 reviews on Trustpilot
Customer Rating: 4.3 out of 5 stars on Trustpilot
Types of Cover: Third-party, third-party fire and theft, comprehensive
No-Claims Discount: Drivers without claims can receive a discount of up to 65%
Optional Extras: Breakdown cover, legal protection, personal accident cover, and key cover
Claims Helpline: A UK-based claims helpline is available 24/7

What is Budget Car Insurance?

Budget Insurance is a UK car insurance provider. It is popular for its flexible and affordable options for many drivers. The company began in 1992. Since then, Budget Insurance has built a good reputation. They offer different levels of cover. These include basic third-party insurance and more complete policies. This helps drivers find what they need easily.

Budget Insurance has over 15,000 reviews on Trustpilot. They have a strong rating of 4.3 stars. This shows they are dedicated to providing reliable service. Their insurance products are designed to offer people peace of mind and affordable coverage. This is one reason many UK drivers choose them.

Budget Insurance Customer Review Breakdown

Types of Car Insurance Policies Offered by Budget

Budget Insurance offers three main types of car insurance:

Third-Party Insurance: This is the basic insurance required by the Road Traffic Act. It pays for damages to other people’s property. However, it does not cover your own car.
Third-Party, Fire and Theft Insurance: This type includes third-party cover. It also protects your car if it gets stolen or damaged by fire. This gives you more peace of mind than just basic third-party insurance.
Comprehensive Insurance: This is the most complete type of insurance. It covers third-party damages and your own car in the event of an accident, fire, or theft. Comprehensive plans also cover personal injuries for you and others involved.

Budget gives you choices that are flexible. You can choose the best coverage for your needs. You do not have to worry about costs.

Get Quotes

How to Get a Quote from Budget Car Insurance

Getting a quote for Budget Car Insurance with Free Price Compare is simple and quick. You can compare different car insurance groups. This helps you find the best policy to meet your needs. You can choose from third-party, third-party fire and theft, or comprehensive coverage. Here’s how to start:

Step 1: Visit Free Price Compare

Visit the Free Price Compare website. You can find many insurance providers, such as Budget Insurance, there. Our service gathers copies of your quotes from different insurers. This helps you find the best price and coverage that suits your needs.

Step 2: Enter Your Details

Fill out the quote form online.
Be sure to add the important details.
Information about your new vehicle, such as the make, model, and year.
Your driving history, including past accidents, claims, and other risks.
Your email address and contact info to get quick updates about your quote.

Giving clear details about your car and driving history will help you receive an accurate quote quickly.

Step 3: Compare Levels of Cover and Additional Products

After you enter your information, Free Price Compare will show you several options for Budget Car Insurance. This helps you see different levels of cover and choose the best policy for you. You can also add great additional products, like breakdown cover, legal protection, or key cover. These products help provide driver’s financial protection and peace of mind for your own vehicle.

If you are concerned about risks like pothole damage, pick a policy that includes it. A pothole's size and the council’s decision about road repairs can impact your claim. It is a good idea to prepare by having the right coverage.

Step 4: Review Insurer’s Terms and Conditions

Before you decide, take some time to read your policy details and the insurer’s terms, and to view your insurance documents. This will help you understand your compulsory excess amount and how claims are managed. You will find out what to do if you have an accident. Make sure to check for any specific stipulations about your policy limits.

Step 5: Get the Highest Level of Support

Free Price Compare ensures you get great support while getting a quote. If you pick third-party insurance or want the highest level of insurance, we are here to help you choose the best option.

Budget Car Insurance Customer Reviews and Ratings

Budget Insurance has over 15,000 reviews on Trustpilot. Its average rating is 4.3 out of 5 stars. Many customers appreciate the company for its great customer service, low prices, and easy online quote process. However, some negative reviews raise concerns about how claims are managed and the cancellation fee if a policy is ended early.

Overall, Budget gets good ratings. This means most customers are pleased with the value and service they get.

How Does Budget Car Insurance Compare to Other Providers?

Budget Insurance stands out from other insurers in the UK. It offers affordable prices and flexible car insurance options. They provide good rates for all kinds of coverage. This makes Budget Insurance a popular choice for drivers who want to save money.

Budget offers coverage that matches other large insurance companies. Their customer service is often rated higher. Drivers appreciate how quickly and easily they process claims.

Get Quotes

Budget’s No-Claims Discount: How Much Can You Save?

Budget helps drivers save money if they don’t make a claim. They offer a no-claims discount that can be as high as 65%. This means careful drivers can significantly lower their insurance costs. You can also choose no-claims protection. This option allows you to keep your discount, even if you have to make a claim.

To save more money, keep your driving record clean. Try to avoid accidents and claims whenever possible.

Optional Extras with Budget Car Insurance

A budget offers many extra choices to enhance your policy.
Breakdown cover: This helps you if your car stops running. It offers roadside repairs or towing services.
Key cover: This helps you get new keys if your keys are lost or stolen. It covers the sum of money needed to replace them.
Legal protection: This pays for legal fees if you have disputes from car accidents.

You can add these extras to your policy. They provide more complete protection. This helps you feel safe from many risks.

How to Make a Claim with Budget Car Insurance

If you want to make a claim, you can call Budget's claims helpline. It is available 24 hours a day, 7 days a week to assist you. Here is an easy guide for making a claim:

Report the incident: Call the claims helpline right after it happens.
Provide relevant information: Get details ready, such as who owns the vehicle, where the accident occurred (on a public road), and any repair costs or damages you have.
Budget will handle everything else, like setting up repairs and quickly settling claims.

Their easy claims process makes it simple to get back on the road fast. It also keeps your stress low.

Budget Car Insurance for Young Drivers: Is It Affordable?

Budget Insurance offers affordable options for young drivers. Young drivers often pay higher rates for insurance. Their plans for drivers under 25 emphasise flexibility. They also make sure all the needed coverage is included.

Budget also offers telematics options. You can get a black box put in your car. This box tracks your driving habits. If you drive safely, you can enjoy lower premiums. This option is great for young drivers who want to save money.

Get Quotes

How to Reduce Premiums with Budget Car Insurance

You can lower your costs with Budget Insurance in several ways:

Safe Driving: A clean driving record and avoiding accidents can help you save money on car insurance.
No-Claims Discount: Drive safely to keep your no-claims discount. Consider no-claims protection too.
Telematics Insurance: A telematics policy can help you lower costs. This is especially good for young drivers or those with less driving experience.
Multi-Car Discount: If you have more than one car, look into Budget’s multi-car insurance option to save on several policies.

By doing these steps, you can feel calm and reduce your insurance bills.

Understanding Third-Party Car Insurance and Its Benefits

Third-party car insurance is the least amount of insurance you need by law in the UK. It covers the cost of vehicle damage or injury to other people if you cause an accident. However, this type of insurance only meets the legal minimum level of insurance. It does not pay for any damage to your own car.

For drivers who want to save money, third-party insurance can be a good choice. This is especially true if your car is in the lowest car insurance group. However, keep in mind that if you want extra protection, like coverage for theft of your vehicle or fire damage, you will need to get third-party, fire and theft or comprehensive coverage.

How to Choose the Right Level of Cover for Your Car Insurance

Choosing the right car insurance depends on several things. These things include how much your car is worth, your driving style, and risks like pothole damage. Budget Insurance has many options for you. You can pick from third-party insurance or comprehensive insurance. They also have alternative cover options that might work better for you.

When you select a policy, pay close attention to the details in the policy documents. Look at the mandatory excess amounts and the additional products available. Also, check for optional covers, such as protection for pothole claims. This will help ensure that your policy meets your specific needs.

Other Products and Services from Budget Insurance

Budget Insurance provides more than just great car insurance. They offer several insurance options for people in the UK. If you need to insure your van, protect your home, or explore life insurance policies, Budget can assist you. They offer flexible solutions that meet your needs. You can also look forward to excellent help from their customer service team.

Van Insurance

Budget offers van insurance for personal and business use. Their plans provide full protection for your van, similar to their car insurance. You can pick from third-party, third-party fire and theft, or comprehensive coverage. This helps you find the best protection for your vehicle. You can also customise your policy with yearly or monthly payments to fit your budget.

Home Insurance

Budget provides home insurance to help protect your home and belongings from unexpected events such as fire, theft, or damage. With Budget's home insurance, you can pick from different levels of cover to ensure your house and valuable items are safe. Their customer service team is available to answer any questions you may have. You can easily find contact details to discuss policy options and coverage.

Life Insurance

For people who want extra peace of mind, Budget offers life insurance policies. These plans keep your family financially safe if something unexpected happens. You can choose how to pay. You have the option of one annual payment or smaller payments over time. Budget’s life insurance ensures that your loved ones are protected.

Industry Expertise and Support

Budget Insurance offers products backed by their membership in well-known industry groups, like the Lloyds Market Association. A group meets often to review the quality and competitiveness of their services. This ensures you receive a dependable and trustworthy service. If you are looking for home, van, or life insurance, Budget Insurance has tailored solutions for you. They also provide excellent customer service to assist with your needs.

FAQs About Budget Car Insurance

Third-party car insurance is the legal minimum level of cover required in the UK. It helps pay for damages or injuries to other people, their vehicles, or property in the event of a road traffic accident. However, this third-party policy does not cover any damage to the registered keeper's own vehicle, theft of the car, or injuries sustained by the driver themselves. Third-party cover is suitable if you're only looking to meet the basic legal requirements without protecting your own vehicle.

Yes, Budget Insurance allows you to enhance your existing policy with additional products even after purchasing it. Extra protection options include breakdown cover, legal protection, and key cover. These optional add-ons provide more comprehensive coverage to help with different factors that may arise, such as vehicle recovery or legal expenses, giving you much-needed peace of mind in various situations.

The legal minimum level of insurance in the UK is third-party cover. This ensures that you meet the legal requirements and are protected against claims from other drivers and their property in the event of an accident. However, this cover does not extend to the driver’s own vehicle in any scenario, nor does it protect against theft or fire damage. For more extensive protection, consider upgrading to third-party fire and theft or comprehensive insurance.

Yes, Budget Insurance may cover damage caused by potholes, depending on the level of cover you have. Comprehensive insurance policies are more likely to include this protection. However, claims for pothole damage might require specific documentation, such as the measurements of the pothole and photos of the damage. Be sure to review the conditions of your policy to understand what’s included and how to proceed with a claim.

Budget Insurance offers flexible payment options, allowing you to spread the cost of your car insurance premium over a monthly basis. This can help make your insurance more affordable by breaking the cost into manageable instalments. Keep in mind that paying monthly may come with interest charges, so review your policy details to understand how this affects the overall cost.

When reviewing your policy documents, ensure you check the required excess amounts, which is the amount you’ll need to pay in the event of a claim. Look for any coverage related to pothole damage and other specific inclusions relevant to your situation. It's also important to check your policy’s group rating, as this provides an indication of risk based on your vehicle's group rating panel. These factors can significantly affect your insurance premium and coverage levels, so it’s advisable to gather as much information as possible.

Yes, Budget Insurance provides a range of cover options for new passenger cars. You can opt for third-party insurance, third-party fire and theft, or comprehensive cover depending on your needs. Comprehensive cover offers the most protection, covering the cost of damage to your own vehicle, regardless of fault, as well as third-party claims. It's important to provide your new vehicle details during policy setup to ensure accurate coverage.

Budget Car Insurance: Affordable and Flexible Cover

We compare car insurance quotes from 120+ companies...

Wide variety of insurance options available to help you find a suitable policy

Happy Customers

Price Comparison Market

Car Insurance Companies

Key Facts About Budget Car Insurance

What is Budget Car Insurance?

Types of Car Insurance Policies Offered by Budget