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 Budget Direct Insurance
Owned By: BUPA Australia Health Pty Ltd Underwritten By: Mutual Community General Insurance Pty Ltd (MCGI)

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Mutual Community is owned by Bupa Australia which is part of the Bupa Group, one of the largest private providers of health care services in the world, with over 10 million customers in almost 200 countries. The Bupa Group has no shareholders so all profits are reinvested to improve services and facilities for customers.

Mutual Community can cover more than just your health; they can also offer you car insurance. HBA has a great range of car insurance options to suit you (and your car), whatever your insurance needs. Our range of options includes nominated drivers, low kilometres and discounts for members over 50. You can expect great benefits and features that will save you money and ensure peace of mind. Mutual Community services SA and NT only, see HBA for all other states.

Source: Mutual Community

Comprehensive Motor
Owned by:
BUPA Australia Health Pty Ltd
Underwritten by:
Mutual Community General Insurance Pty Ltd (MCGI)
Pay by the Month:
Yes
Cooling off period:
21 days
24 Hour help line:
Yes
Sum Insured:
Agreed or Market
NCB preserved - if at fault:
Yes (conditions)
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
Optional
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:
BUPA Australia Health Pty Ltd
Underwritten by:
Mutual Community General Insurance Pty Ltd (MCGI)
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:
BUPA Australia Health Pty Ltd
Underwritten by:
Mutual Community General Insurance Pty Ltd (MCGI)
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
$300
Remove Excess
Yes
<21 years old
$700
Years to Rating 1
5 years
21-24 years old
$400
Licensed <2 years
$300
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%