Budget Direct Insurance Referral Code: Buddy82498 (Bring A Buddy Campaign)

For first time purchases of any travel, car, commercial vehicle, or motorcycle plan from Budget Direct Insurance, use the referral link or Buddy ID: Buddy82498 to receive up to $80 in shopping e-vouchers.

My experience so far is that the shopping e-vouchers are for use at CapitaLand Malls.

• Sign up with Budget Direct Insurance ❯

About Budget Direct Insurance

Affordable and Reliable Insurance in Singapore

Budget Direct Insurance is a trusted direct insurer in Singapore, offering cost-effective policies without unnecessary extras.

Operated by Auto & General Insurance (Singapore) Pte. Limited (Co. Reg. No. 201626103G), the company is licensed and regulated by the Monetary Authority of Singapore (MAS) as a ‘Direct Insurer (General).’

While Budget Direct only entered the Singapore market in 2016, it is part of an established global insurance group headquartered in the British Isles, generating over $2 billion in annual revenue and operating across four continents.

What policies does Budget Direct Insurance offer?

Core services include:

• Car Insurance
• Commercial Vehicle Insurance (New in 2025!)
• Motorcycle Insurance
• Travel Insurance (Annual / Single Trip)

Notable Points

Commercial Vehicle Insurance

In January 2025, Budget Direct announced the addition of Commercial Vehicle Insurance plans. The plans are customisable with flexible options. If you’re a small business owner, contractor, or manage a fleet of commercial vehicles, this new offering is tailored just for you.

Unique ‘Higher Risk Car Insurance’

In April 2022, Budget Direct Insurance launched ‘Higher Risk Car Insurance’, a unique policy aimed at drivers who are having a hard time getting car insurance cover in Singapore.

Higher Risk Comprehensive Car Insurance plan at a glance:

• Suitable for drivers with 2 or 3 at-fault accidents and/or claims within the last 3 years.
• Named Driver Plan. Covers 1 Main Driver and up to 2 Named Drivers, each of whom must be between 30 to 75 years old and have held a valid driving licence for 5 or more years.
• Policy Excess is fixed at S$3,000.
• No-Claims Discount (NCD) Protector is not available for this policy.

⚠️ Note: The insurer reserves the right to cancel your Higher Risk policy with 7 days’ notice once a second at-fault accident and/or claim is reported under the policy.

Why Choose Budget Direct Insurance?

1. Customer-First Commitment

Budget Direct prioritizes simplicity, transparency, and affordability:

• No unnecessary extras included in policies.
• Consistently competitive pricing without compromising coverage.
• Efficient customer support to address inquiries quickly.

📢 Award-Winning Customer Service From 2020 to 2024, Budget Direct Insurance received the Feefo Platinum Trusted Service Award, an independent seal of excellence based on verified customer reviews.

In November 2024, they surpassed 10,000 verified reviews, maintaining an exceptional 4.7/5-star rating! ⭐⭐⭐⭐⭐

2. Affordable and Transparent Pricing

• No agent commissions = Lower premiums for policyholders.
• Direct-to-consumer model keeps costs down.

3. Less Hassle, More Convenience

• Instant Travel/Motor Claims Payout via PayNow
• Faster logins and auto-fill details with SingPass MyInfo
• Easy SMS Renewals for insurance

4. Buddy ID – Earn Savings for You & Your Friends!

The Buddy ID is like a referral code. A Buddy ID would be generated for customers upon the purchase of a policy.

The Buddy ID can then be shared with friends and family. New customers signing up with a Buddy ID stand to enjoy shopping e-vouchers.

💡 Tip: Use your own Buddy ID for subsequent policies to receive more shopping e-vouchers! Terms and conditions apply.

Personal Experience with Budget Direct Insurance

Responsive and Helpful Customer Service

In August 2022, I inquired about whether my overseas relative could drive my insured car. A customer service officer called me the next day, explained the process, and assisted with the necessary updates.

Insurance Rebates for Good Drivers

During the call, I also learned that Budget Direct rewards good drivers (no claims) with a small rebate, which was credited to my payment card.

Early Bird Renewal Benefits

At the end of 2022, Budget Direct offered a 5% shopping voucher reward for early renewals before the GST hike.

This is the SMS I received:

Budget Direct: Your Car policy PXXXXXXXXR00-01 expires on 11 Mar. Renew by 31/12/2022 before the premium is revised due to GST hike. Get a 5% early bird reward in shopping vouchers by renewing your policy WITHIN 14 days of receiving our renewal proposal! Review our renewal proposal sent to you and call 6221 2111 or email help@budgetdirect.com.sg to renew NOW!

Final Thoughts: Should You Get Budget Direct Insurance?

• Competitive pricing with no unnecessary extras.
• Highly rated customer service and Feefo award-winning experience.
• Fast and easy claims processing via PayNow.
• Unique Higher Risk Car Insurance for drivers struggling to get coverage.

💡 If you value affordability, simplicity, and great customer service, Budget Direct Insurance is worth considering!

📌 Find out more and get a quote today at Budget Direct Insurance.

Public Service Announcement (PSA) about motoring touters and car insurance fraud

Sharing a message from the General Insurance Association of Singapore (GIA) and Budget Direct Insurance, who are trying to raise awareness about motoring touters and car insurance fraud.