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 Budget Direct Insurance
Owned By: AON (NYSE: AOC) Underwritten By: CGU Insurance Limited (S&P: AA-)

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AON delivers locally through more than 500 offices in more than 120 countries. With almost 1,500 employees in Australia, AON is the largest organisation of our type in the Australia Pacific region focusing on the management of business risk. Aon Personal Insurance is committed to delivering quality insurance products and services to our clients at a competitive price. Combined with a range of services designed to make managing your personal insurance simple, the Aon Personal Insurance products are hard to ignore.

AON all look for different things in our car insurance because they all have different needs. If you’re insuring a second-hand car it’s likely you’ll want different things than someone who’s insuring a new vehicle they’ll be using for transporting the family around town. To keep everyone happy Aon Personal Insurance provides a full range of cover options from basic third party right up to comprehensive cover.

Source: AON

Comprehensive Motor
Owned by:
AON (NYSE: AOC)
Underwritten by:
CGU Insurance Limited (S&P: AA-)
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
Yes (conditions)
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
Yes
Maximum No claim bonus:
60%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
$5000 for funeral
Legal Costs:
Yes (defending a claim) + $5000 Coronal Inquirey
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (see excess)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
2 yrs / 30,000km or 3 yrs / 50,000km
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
$500 (>100km, 1 night accomodation only)
Recovery, towing and storage after accident:
$500 Tow + Storage
Accident Clean Up:
Yes
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
Yes
Trailer cover available:
$1000
Relacement Keys:
$1000
Rental car following theft:
14 days
Rental car after accident:
No
Restricted Driver Discounts:
Yes
Windscreen Excess Reduction:
Optional
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Third Party Property Motor
Owned by:
AON (NYSE: AOC)
Underwritten by:
CGU Insurance Limited (S&P: AA-)
Owner of Underwriter:
Insurance Australia Group
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
$5000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending a claim) + $5000 Coronal Inquirey
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (see excess)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
Yes
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Third Party Property (Fire & Theft) Motor
Owned by:
AON (NYSE: AOC)
Underwritten by:
CGU Insurance Limited (S&P: AA-)
Owner of Underwriter:
Insurance Australia Group
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
$5000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending a claim) + $5000 Coronal Inquirey
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes (see excess)
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
Yes
New Car Replacement:
No
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
$500 (>100km, 1 night accomodation only)
Recovery, towing and storage after accident:
$500 Tow + Storage
Accident Clean Up:
Yes
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
$1000
Rental car following theft:
14 days
Rental car after accident:
No
Restricted Driver Discounts:
Yes
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Excess
Variable Excess
Yes
Basic Excess
$400
Remove Excess
Yes
<19 years old
$750
Years to Rating 1
5 years
19-21 years old
$600
21-25 years old
$350
Licensed <2 years
$350
Not Nominated
Applies to Nominated Driver policies only (dbl the excess amount normally applicable)
Not at fault claims
No Excess
No Claims Discount (ncd)
Rating 2
50%
Window & Glass
No change if not at fault
Rating 3
40%
Not your Fault (no-fault)
No change
Rating 4
30%
Your Fault (at-fault)
downgrade NCD if you don't hold NCD protection
Rating 5
20%
Lifetime rating 1
No
Rating 6
Zero (0%)
NCD Protection
Optional (1 free if rating 1 & qualify for an free earnt NCD protection)
Rating 1
60%