Updated September 29, 2026 · AssureCue Editorial Team
Budget Direct vs KS Auxilia
Budget Direct vs KS Auxilia: the differences
| Compare |  Budget Direct |  KS Auxilia |
|---|---|---|
| Premium from | A$76.45 | €5.04 |
| Insurance types | Auto, Home, Renters, Life, Travel, Pet, Motorcycle, Breakdown, Landlord, Income protection | Legal expenses, Breakdown |
| Excess from | A$100 | €0 |
| Cover limit | AUD 12,000-25,000 per year (pet insurance annual benefit limit; Plus up to $25,000, Essential $12,000) | Unlimited |
| Claims channels | Phone, Online | Online, Phone, Email, ChatCovers more |
| Age range | Pet insurance: over 8 weeks old and under 9 years old at first policy | 18+ |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- KS Auxilia scores higher overall: 9.4 vs 9.2.
- Founded is lower at KS Auxilia: 1964 vs 2000.
- Insurance types: only Budget Direct offers Auto, Home, Renters.
- Insurance types: only KS Auxilia offers Legal expenses.
- Claims channels: only KS Auxilia offers Email, Chat.
- Support channels: only Budget Direct offers Help centre.
Our verdict on each
Budget Direct
Budget Direct suits Australian households wanting one insurer across car, home, pet, travel and other cover, but its price is among the highest here. Premiums start at AUD 76.45 against a site median of €8.37, and the pet excess of AUD 100 adds to the bill.
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
Score breakdown
| Area | Budget Direct | KS Auxilia |
|---|---|---|
| Cost | 8.8Premium starts at AUD 76.45, well above the €8.37 site median, so the cost case is weak. | 9.3HigherModest starting point shown by €5.04 with €0 easing initial spend |
| Offer | 9.4Higher | 9.2Narrow motor legal focus through legal expenses and breakdown capped by Unlimited |
| Trust | 9.3 | 9.6HigherEstablished direct structure as insurer dating to 1964 |
Feature by feature
| Insurance types | Budget Direct | KS Auxilia |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Renters | Yes | No |
| Life | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Breakdown | Yes | Yes |
| Landlord | Yes | No |
| Income protection | Yes | No |
| Legal expenses | No | Yes |
Where they rank in our lists
| Ranking | Budget Direct | KS Auxilia |
|---|---|---|
| Breakdown cover | 20 of 53 | 1 of 53 |
Licences and countries
| Country | Budget Direct | KS Auxilia |
|---|---|---|
| Australia | Not confirmed | |
| Germany | Not confirmed |
Additional countries for Budget Direct: 1. Additional countries for KS Auxilia: 1.
Sources behind this comparison
Budget Direct
- budgetdirect.com.au: 13 facts, checked September 26, 2026
KS Auxilia
- ks-auxilia.de: 14 facts, checked September 29, 2026
Every fact side by side
| Fact | Budget Direct | KS Auxilia |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Auto & General Services Pty Ltd | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft |
| Headquarters | Australia | Germany |
| Founded | 2000 | 1964Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Chat, Phone |
Business insurance
| Fact | Budget Direct | KS Auxilia |
|---|---|---|
| Industries | Not confirmed | Private households, trades, medical professions, farmers, companies |
Pros and cons
Budget Direct
Pros
- One insurer covers auto, home and renters
- Monthly payments are available, so cash flow is easier to manage
- Support runs on phone, email and chat
Cons
- Premium of AUD 76.45 sits far above the €8.37 site median
- Claims run on phone and online, a narrower route than the phone, email and chat listed for general support
- Pet cover is capped at AUD 12,000-25,000 per year (pet insurance annual benefit limit; Plus up to $25,000, Essential $12,000) per year
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking cover
Who each suits
Budget Direct
Who it suits
- Australian households bundling car, home and pet policies
- Pet owners whose pet is within a minimum age and under a maximum age at first policy
- People who want monthly payments to spread the cost
Who should look elsewhere
- Cheap-first shoppers, since AUD 76.45 is well above the €8.37 site median
- People who want to claim by email or chat, as claims run on phone and online only
- Owners of older pets, outside the age range for a first policy
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
Current offers
Budget Direct
Current offer
Discount code
15% Online Discount on first year's premium (car, home, motorcycle, pet, travel): 15%
New policy purchased or quoted online, first year only, no renewal, for policies quoted on or after 20 August 2026
Source, checked September 26, 2026
Discount code
Combined Discount on new combined Home and Contents policy: up to 15%
Home Building and Contents bought in a single transaction, first year only
Source, checked September 26, 2026
Discount code
Standalone Roadside Assistance online discount: 15%
First year's membership on a new Standalone Roadside Assistance membership purchased or quoted online; not when added to a car insurance policy
Source, checked September 26, 2026
Bonus
Life Insurance $100 eGift card: AUD 100
Eligible life policies with total annualised premium of at least $400 at issue, held 90 days with three months' premiums paid; promotion 8 July 2026 to 31 December 2026; one per customer
Source, checked September 26, 2026
Country by country
| Country | Budget Direct | KS Auxilia |
|---|---|---|
| Australia | Yes | No |
| Germany | No | Yes |
Questions about each
Budget Direct
What does Budget Direct cost as a starting premium?+
Premiums start at AUD 76.45. That is a high starting point, sitting well above the €8.37 median across the site. The pet policy also carries an excess starting at AUD 100, which adds to what a claim costs you.
Who is behind Budget Direct and is it regulated?+
The insurer is Auto & General Services Pty Ltd, an insurer based in Australia and trading since 2000. In Australia it is licensed by the Australian Securities and Investments Commission under licence 360138.
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
Other options to compare
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Related by the facts
- Travel Protect, also regulated by Australian Securities and Investments Commission
- Insurance providers with Breakdown
- Insurance providers available in Australia
- andsafe, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Auto
- Insurance providers available in Germany