Budget Car Insurance Review: The Right Price for You?

Budget Car Insurance Review: The Right Price for You?

Budget insurance car cover can be a good option to consider for those looking for the most important features at a decent price, but beware you can't reach customer service over the phone.

Good for

  • UK call centre open 7 days a week
  • Good features for the price point
  • Underwritten by wide range of top insurers
  • Good reviews

Bad for

  • Cancellation fees a bit high

Editor's Rating

3.0/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Does Budget Insurance car insurance provide a good set of features? Find out what's covered and learn about how existing policyholders rate Budget's customer service.

In This Review

Budget Car Insurance Overall Review

Budget insurance car cover can be a good option to consider for those looking for the most important features at a decent price. Not only that, but Budget Insurance gets quite good customer reviews online—we read many mentions in customer reviews of helpful customer service when you need it and extremely competitive prices for policies offering the best set of features compared to other options at that price range.

Customers can choose between the following types of cover:

  • Comprehensive
  • Third Party, Fire
  • Theft Third Party Only

It's always best to buy a comprehensive plan if you can, as it offers the widest coverage including damage to or theft of your car. Budget comprehensive policies are loaded with some great features, including a courtesy car, key cover, windscreen repair, personal injury cover, motor legal, stereo cover and cover in Europe. Those looking for breakdown or premium/extended hire car cover (a premium courtesy car, including if yours is stolen or written off after an incident) can add these features for an additional premium. Here is an overview of features on their comprehensive plans.

The only "must have" category (according to the Money Advice Service) that Budget Insurance doesn't deliver on is the amount of cover for Personal Belongings—but they still offer £150 of cover (vs. recommended £200+) so the red x below isn't a huge deal in our opinion.

How Good is Budget Insurance Car Insurance?A Good Policy IncludesDoes Budget Deliver?Budget Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
Included
Belongings£200+
red x
Up to £150
Keys£300+
thumbs up
thumbs up add on
Up to £500 for theft only (Add on available for higher limit, including loss and for other keys like house, business, etc.)
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the add on
Car recovery after accidentIncluded
thumbs up
Included
Courtesy car (repairs)Minimum 14 days
thumbs up
Included
Repairs guaranteed12-month guarantee
thumbs up
Repairs guaranteed, but no information as to how long
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
thumbs up
If damage is more than 50% of list price at time of damage
Stereo and satellite navMarket value for manufactur fitted
thumbs up
Unlimited for manufacturer fitted; up to £500 for other permanently fitted equipment
Alternative transport & Hotel after accident£250+
question mark
Up to £100 per person for alternative transportation and/or emergency accommodation (max £500 total)
24-hour emergency helplineStandard
thumbs up
Included
Courtesy car (total loss or theft)Standard or add-on extra
thumbs up add on
If you buy the add on
Motor legal expensesStandard or add-on extra
thumbs up
Included
Breakdown coverStandard or add-on extra
thumbs up add on
If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
thumbs up
Up to 60 days (longer with approval)
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
thumbs up
Up to £300 per claim even if no visible damage
Larger/premium courtesy carStandard or add-on extra
thumbs up add on
If you buy the add on
No fault NCD protectionStandard
red x
No included
Uninsured driver NCD protectionStandard
thumbs up
Included
Cancellation feeNo more than £50
red x
£38 during 14-day cooling-off period; £60 afterwards

Who Underwrites Budget Insurance?

Budget Insurance works with a panel of insurers, including some of the largest car insurance companies in the UK:

  • Ageas
  • Covea
  • Aviva
  • Coop
  • Zenith
  • Lv
  • Axa
  • Sabre
  • Zurich

Budget Insurance Customer Service Reviews and Ratings

Budget Insurance receives high marks from policyholders when it comes to customer service. Over 6,500 customers have rated Budget insurance with 4.4 out of 5 stars on Trustpilot. Reading the reviews, it appears that customers frequently remark on a good selection of features included for a good price, providing solid value for money—which is not really a surprise as Budget car insurance has also earned a 5-star rating from defaqto.

Budget Insurance Ratings & Customer Reviews
Trustpilot customer service rating4.4 out of 5
Defaqto5 star

Budget Car Insurance Quote Comparison

Budget insurance typically offers reasonable prices and is available on comparison sites, so it's easy enough to compare prices against comparable policies in the marketplace. Existing customers have mentioned their good value for money in online reviews—but insurance rates can vary significantly depending on the day, where you live, your car, etc. so it's always good to compare prices for a reality check—a company that is usually "cheap" might not be cheap for you and your profile.

Cancellation Fees

Budget Insurance cancellation fees are a touch higher than we'd like, and there's a charge even if you cancel during the 14-day cooling-off period:

Budget administration fees
Cancel during 14-day cooling-off period£38
Cancel after 14-day cooling-off period£60

How Accessible are Budget Car Insurance Customer Service and Helplines?

Budget car insurance customer service team is available Monday to Friday 8am-9pm, Saturday 9am-5pm and Sunday 10am-4pm—it's good they're open on Sundays as many "budget" car insurance companies are closed Sundays, and sometimes Saturdays, too.

Hedgehog Car Insurance Contact Numbers
New Policies0344 871 0099
Renewals0344 412 2115
Customer Services0344 412 2118
24 Hour Helplines
Claims0344 412 2127
Autoglass0330 018 3242
RAC Breakdown service (if you bought the add on cover)0330 332 8468

Policy Documents

Customers can read about the nuances of their Budget cover in their policy documents, while potential customers need to read through the website to learn the ins and outs of Budget cover.

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