Car insurance types

As we all begin to slowly emerge from the comfort of our homes back out onto our busy roads, getting back behind the wheel means re-assessing our knowledge of car insurance. So, before you begin planning the kids’ extra mural timetables and scheduling your daily meetings, we want to make sure you remain safe from the second you pull out of your driveway. And that starts with figuring out what the best type of car insurance is for you. 

What cover do the different car insurance policies give you? 

Contrary to popular belief, there are many different types of car insurance. Yes, you actually get options! At Budget Insurance, we like to put you in the driver’s seat by letting you choose your own level of vehicle coverage. 

We crunched the numbers, balanced the calculations, and created an extensive selection of Car Insurance types – just for you! Let’s look at the kind of cover you’ll get under each of our Car Insurance policies. 

Comprehensive Car Insurance

To put it simply, this is the full package. It’s all you’ll ever need and all you’ll ever want when it comes to car insurance types. This insurance package is comprehensive and worth the hype it gets. We’ll cover it all, including theft, loss, towing, and accident cover – it really doesn’t get much better than this! Trust us. 

Third-Party, Fire, and Theft Car Insurance

For those with a smaller budget, don’t think we’ve forgotten about you. We created this specific insurance package to be even more affordable. This type of car insurance will cover you for all the big (more expensive) things, just not damage to your own vehicle, so you don’t have to foot the bill. It’s on us! 

Third-Party Only Car Insurance

Already have your car paid off but still in need of cover that will keep you from taking on any serious debt due to an accident? Then this is the insurance package for you. We’ll take on the responsibility of covering the financial costs of any third-party damage, so you don’t have to. Leave the money worries to us!

Budget Lite 

We offer three levels of cover under our unique Budget Lite product. It’s made just for cars valued under R100 000 that are completely paid off. Perfect for the smaller budget.

Budget Lite 1

Get theft cover and up to R1 million third-party insurance – all you need if you just want to cover the basics.

Budget Lite 2

This one gives you what Budget Lite 1 does, as well as cover for hail damage and insurance if your car is written off in an accident.

Budget Lite 3

All of the above features, plus up to R15 000 paid out after you have an accident. 

Learn more about car insurance

Online car inspection

You don’t need to take your car to an inspection centre. Do it from the comfort of your driveway or parking bay. All you need is a camera phone and an internet connection.

Car insurance calculator

Our car insurance calculator gives you an accurate and budget-friendly quote in minutes. Find out what factors we use to do this.

Compare car insurance

If you’re looking for the most budget-friendly car insurance, use our tips and tricks when you compare car insurance quotes.

Affordable Car Insurance

We tailor for all kinds of budgets with seven types of Car Insurance. Check out our top-of-the-line Comprehensive Cover and BetterCar Value, mid-range Third-Party, Fire and Theft, our basic Third-Party Only, and Budget Lite options for small budgets.

The more you insure with us, the more you save. Add more than one car to your policy and get up to 15% off your premium. Add Home Contents Insurance and get 15% off and add Buildings Insurance for another 10% off. 

We have a range of add-ons you can include with any Budget Car Insurance policy. These include Scratch & Dent, Tyre & Rim Guard, Auto Top-Up, and Motor Warranty – all to keep your car in the best possible shape.

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