1. Budget Direct Insurance
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  3. Driver Plans

All About Car Insurance Driver Plans and Vehicle Usage Definitions

Get the right level of cover for your vehicle, tell us how your car is used.

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driver plans


How is your vehicle used?
And by whom?

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At Budget Direct Insurance, we know every car is used differently. You may only drive it on weekends, or maybe your family will also use the car. Perhaps you use it during the day as part of your job? These contributing factors are taken into account when we prepare your policy cover and premium quotation.

We take time to get these details right from the start. This will help us to handle any claims much quicker.

When customising your policy, please consider the Driver Plan and Vehicle Usage that best suits you and how your vehicle is used.

Driver Plans

Who drives your vehicle? Is it just you? Do your family members occasionally drive it? What about friends?

We’ll ask questions about who drives the car most frequently – the Main Driver. This helps us to quote you the correct amount for your insurance. This information is a key part of the claims assessment process, so it is important that these details are accurate.

If you’re not sure, please call our Customer Care team at 6221 2111 to get the right plan, Mondays to Fridays from 8am to 8pm, or Saturdays from 9am to 3pm (excluding public holidays). We are here to help you!

You can select from two options:

Authorised Driver Plan

This plan covers:

  • The Policyholder
  • The person who uses your car most frequently (i.e. the Main Driver), if not the Policyholder, and
  • Anyone else you allow to drive your car.

However, if someone who lives with the Main Driver (i.e. a Household Member) drives your car, you have to name them on your policy in order for them to be covered.

IMPORTANT: A Household Member of the Main Driver who is not named as a Named Driver under the Authorised Driver Plan will not be covered under your policy.

Named Driver Plan

This plan covers ONLY:

  • The person who uses your car most frequently (i.e. the Main Driver), and
  • Persons you include on your policy as Named Drivers.

IMPORTANT: The Policyholder must also be listed either as a Named Driver or the Main Driver under the Named Driver Plan in order to be covered under your policy.

Vehicle Usage

The more you use your car, especially during the day, the greater the chance of something happening to it. That's why it’s important to understand how often your car is being used. This helps us to provide the right level of cover.

When you obtain your quote, we will ask questions about how often your vehicle is used. This helps us to calculate the right premium for your situation.

Usage Definitions

Private and Commuting Use is use of your car for social, domestic and pleasure purposes, and for travelling between home and a regular place of work only.

Private and Occasional Business Use is “Private and Commuting Use” above, plus use for occasional business purposes by the Main Driver or any Named Driver only. "Occasional Business” means your car is not registered for business use, and the use of your car is not an essential part of earning income for a business.

Private and Business Use is "Private and Commuting Use” above, plus use for the business and/or occupation by the Main Driver or any Named Driver only.

We allow:

  • Private car-pooling provided that no profit is made from such use
  • Carrying of goods or samples which are not for sale or payment

We do not allow:

  • Carrying of passengers or delivery of goods for payment
  • Driving tuition or test (whether paid or not)
  • Hire to other people
  • Any other purposes which we have not agreed to in writing

We do not cover the following professions, trade or services:

  • Driving instructors requiring business use
  • Professionals who are involved with the entertainment industry
  • Professional sportsmen or sportswomen
  • Personnel of foreign armed forces
  • Foreign diplomats and foreign diplomatic staff

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What’s an Off-Peak Car?

These are cars that can only be driven during weekends and non-peak hours. It cuts costs on your motoring with savings on import taxes and road tax. And of course at Budget Direct Insurance you get to make even bigger savings on your car insurance.