• long running

5x Free PPSR Car History Checks (Normally $2 Each, Australian Mobile Number Required) @ Budget Direct

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With credit to orly & Atam1923 - reposting after 12 months for those unaware of the perk, as each report is normally $2. Used this service yesterday and received the report within a few minutes. Have an incredible 2023. Stay safe, and enjoy :)

Find out whether the second-hand car you’re buying has any money owing on it or has been stolen or written off. Complete the form below to order your free PPSR search certificate. We’ll arrange for the certificate to be emailed to you within about 10 minutes of you ordering it.

Why get a PPSR Check?

If you’re buying a second-hand car from someone who’s not a licenced dealer, it’s important to check the car’s history. That’s because private sellers are not obliged to tell you, for example, whether the car still has money owing on it. If you buy a car that’s secured against an outstanding loan and the previous owner stops repaying the loan, the lender could repossess your car. You could be left with nothing to show for the thousands of dollars you’ve spent.

What is Personal Property Securities Register (PPSR)?

The PPSR is an Australian Government register designed to help protect consumers who buy personal property such as cars. By searching the online register, you can find out whether a second-hand car you’re buying has any money owing on it (among other things). While some providers charge up to $35 for an online PPSR check (or VIN search, as it’s also known), Budget Direct can arrange one for you free of charge.

What you can check?

  • Financing owing: If you buy a car that’s secured against an outstanding loan and the previous owner stops repaying the loan, the lender could repossess your car.
  • Reported as stolen: While you won’t be charged for unknowingly buying a stolen car, the car may be repossessed and returned to its owner or their insurance or finance company.
  • Has been written off: Some repairable write-offs are fixed, inspected, re-registered and re-sold - but the standard of the repairs may be poor, putting you at risk.
  • Takata airbag recall: If the vehicle is listed as affected, you can confirm its recall status by visiting ismyairbagsafe.com.au

Related Stores

Budget Direct
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Comments

  • +8

    This check is a must in QLD where WOVR registered cars are legal and rule the Facebook Marketplace.

    • Aren't they legal Australia wide after a wovi inspection because that would mean it would be illegal to drive in other states.

      • +2

        It was a loophole that was closed this year iirc when QLD changed their WOVR re-registration laws to be more in line with other states. It's not uncommon to see these loopholes exist for various economic, social or political factors, e.g. International drivers in Australia.

        Disregarding defects/modifications, a vehicle is generally legal to drive Australia-wide as long as it holds a valid, current registration in the state it was registered in, regardless of which state the vehicle is currently in.

        It's a similar principle to allowing International drivers to drive while they are visiting Australia, despite no guarantee that they would pass the knowledge, theory or practical driving tests that Australian license holders would have to.

        QLD's prior practice of allowing total losses on the WOVR to be re-registered (other states don't allow statutory writeoffs to be re-registered, only limited circumstances such as hail damage) was identified as allowing unsafe cars to be on the road and it was changed in 2022 so in the coming year we might see a lot more "perfect" cars in QLD get listed as track cars or for parts.

        • Oh wow many thanks I didn't know that

          Lo and behold I'm investigating a QLD registered auction car that was previously VIC registered that I'm about to bid on

          It's not registered on the VIC WOVR but when I searched via the rego lucky I found the old salvage auction

          Great that I could track down all this dodginess!

          DAF$%^

        • Queensland wouldn't let Statutory write offs back on the road, but you can buy repairable write offs which are the ones that insurance deemed economically unviable

          • @mch87: Why would anyone buy a repairable write off if the cost of fixing it is more than the cars worth?

            • +3

              @Mondorock: Honestly?

              An insurance repair might need a new bumper at $2500 dollars, a second hand one from a scrappy might be $200.

              A new headlight light from a manufacturer might well be 500 bucks plus, a new aftermarket light might be 150 bucks or less.

              The problem is that some corners shouldn't be cut. It's all well and good bending tabs and supports back into shape, but they might not perform as intended next time they're hit.

              • @Robc: When my car got sideswiped by someone . The insurance company put a second hand door on it. So arnt insurance companies juat doing it as cheap as they can too?

  • are budget direct a good insurance company?

    • +6

      Not personal experience, but have heard many negative stories about budget direct, they are fine until you have to claim and then the nightmares begin. Look at review sites to get an idea of the service you get.

      • +11

        Isn't that standard insurance company practise?

        • Not with RAC

          • @mmd: Claimed once with RACQ almost 10 years ago, were fast and got it all fixed really quickly

        • Suncorp’s been excellent, both for house and car claims.

        • Suncorp brands (Gio, AAMI) are not like this

      • +2

        From what I have read they are still ok to claim but once you do your premium doubles effectively chasing you away from them from that point haha

      • +2

        Don't look at review sites. They had really really bad reviews a few years ago then it suddenly got flooded with 5 star bot reviews

      • +2

        Giggled at the 'fine until you have to claim' which means they are fine while you are paying them money but just dont ask for anything when something goes wrong lol

    • +5

      I'm processing a claim through them. It's taken me more than 5 weeks. Still not settled. Every steps, they take 3 weeks to process.

    • +23

      I was with Budget Direct back in 2005. Made a claim after an idiot drove on the wrong side of the road and totalled my car.

      Argued and fought with them for 5 months (while trying to recover from injuries sustained in the crash) but they kept offering me $6,000 for a car I'd had valued at $20,000. I spent an hour on the phone with one rep who went through For Sale listings and was saying "See, we're offering you $6,000 but this one is for sale for $5,000 so we're doing you a favour. The listing they looked at lacked an engine or gearbox, it was just a frame. Other listings were for $22-25,000 in concourse trim. Most listings were between $15-$18,000 with significant issues requiring maintenance, but mine had a full service history and had just been serviced two weeks before the crash.

      I was extremely ill from my injuries, too sick to work, and had no vehicle to drive to the doctor, so the ordeal was destroying my life. I eventually had to settle for $15,000. I was unwell before the crash and working as an independent IT consultant, but had no way to prove that the crash made my symptoms worse, because pre-existing conditions had been exacerbated.

      I bought a piece of junk that was falling apart, because that was the only thing available in the same model for less than $15k (remember you still have to pay Stamp Duty on a replacement vehicle) which I hoped to fix up with spare parts I'd already bought for my original car, but it drove for two years then died.

      When I called Budget Direct to insure the replacement vehicle, they refused to insure me. Same vehicle, same year, but they said I was now too high a risk due to my recent crash history. Multiple witnesses proved I was not at fault and couldn't have avoided the crash. I'd paid extra for No Claim Bonus Protection but they said it expires immediately when a contract is cancelled, which happened when my vehicle was written off.

      Anecdotal, but I was not happy with them.

      • +4

        This experience deserves a spot on as many reviews on the insurer to save others from what you went through.

        I would have sent an email to the insurer stating the time date and person you spoke with and shaming them for using a vehicle shell as the basis of $6000 offer so it’s on the record then start the process of an official complaint through AFCA and any other governing body to prevent these kind of shoddy tactics.

        Hope you have fully recovered.

        • +5

          Thank you for your kind words. I haven't fully recovered and have lost count of the number of surgeries I've had. I'm happy inside but miserable because my current circumstances are so rough. Hard to enjoy life when you're in constant pain.

          Unfortunately there's a lot of victim blaming but rarely do guilty drivers who destroy lives get roasted. They "made a mistake, they're only human, forgive and forget" when they illegally drive over double lines crashing into another car and destroying somebody's life…

          …but for the victim it's always comments like "you must have done something wrong to be in that situation" or "you must not have been paying attention, you should have avoided the oncoming car" despite it happening at a busy intersection with nowhere to go. If the insurance company tries to rip me off it's "well that's your fault, you should have gone for a better insurer who will treat you well" but when I ask who they're insured with, turns out it's the same insurer who are currently ripping me off. I can't win.

          We need to stop normalising car crashes. It shouldn't happen. I know assholes who have come in to work with a big grin on their face saying "I wrote the car off! Crashing into another car at a set of lights! So happy I get to upgrade to the newest model!" but then I ask what happened to the other vehicle they're like "Oh there was a mother driving her two kids to school, the ambulance checked them out they're fine, it's not my problem they can talk to my insurance company."

          I'm literally sick of it. Police can defect your vehicle, then impound it if your window tints are too dark or or the headlights aren't aimed properly. But one woman at work was caught drink driving. Instead of arresting her the police just gave her a fine and told her not to drive until sober. Half an hour later, she hopped straight back in the car, still drunk, and crashed into another vehicle. Why is this a thing?

          I'll stop ranting now. 2022 was an awful year for me, but I'll try to stay positive when 2023 arrives.

          • -4

            @greenie4242: Drink driving is a mandatory licence suspension until court so how about instead of blaming the police for the “one woman at work” driving pissed, you actually blame the person responsible, which is what your whole rant is about.

            • +3

              @Tee Rex Arms: Of course I also blame the drunk driver.

              The police failed to police. They should have arrested her or impounded her car. They did nothing to 'police' the situation. A fine does not physically stop somebody from driving drunk. The very definition of 'police' is 'to maintain order'.

              My rant is about the fact guilty people can do whatever they want, whenever they want, but nobody stops them. But victims are always blamed for being in the wrong place at the wrong time. It's a cultural problem that should not be a thing in this day and age.

              • -4

                @greenie4242: Your information is wrong. Police don’t “fine” for drink driving, it’s mandatory SUSPENSION OF LICENCE..Whether its 24 hours, or until court, depending on the reading.

                Victim blaming is wrong, so is blaming others when you have no idea what you’re on about.

                • @Tee Rex Arms: I mean, whether its a fine or a licence suspension, the person can still drive. Maybe illegally yes. The car doesnt even have to be yours. The amount of cars reported stolen in my area is crazy. A few days ago i was just driving along and this idiot on a motorcycle was speeding towards me in the wrong lane (to the left of me, so definitely not 'just' crossing the line) and me and everyone i could see in my rearview mirror dodged them but any one of us could have easily hit him. Whatever law inforcement type is used doesnt really stop bad/illegal drivers in some areas

          • @greenie4242: From what I am reading, you should be eligible for compensation if not at fault. That’s what green slips are for. It would be outside the the period to make a claim now but really sorry you had to go through all that. Any accidents should be shiet for all involved. End of story

          • @greenie4242: Thank you for sharing your story mate. So true what you've said about these attitudes too.

      • Those dogs threw me under the bus, when I was their client. They decided without me that it was equal blame, and we would both be paying at-fault.

        I had full proof & witnesses, fully detailed the incident. But the other party was an off-duty police officer. Extremely long CV showing they shouldn't be at fault. Everyone makes mistakes… but I paid for it. Made me so furious. They eventually agreed to some sort of an audit. Their paralegal person I spoke with said she completely agreed with me, but that's not how things work, they were taking the easy path. I googled that person shortly after, and they were disbarred (?) for fraudulent behaviour in the insurance sector. NICE.

        • As bad as it is, sounds like someone did a cost analysis and it was cheaper for them (insurer) that both are deemed at fault rather than contesting it and paying the legal fees which takes away from their bottom line. Not their client being you. Which is fkd (pardon my French)

          • @Littlevu: 100% that’s what it was.
            I pay them to defend me/my-interests if needed… but they quit, while taking full fee.

            How t f does that work??

            I’ve had 1 accident in 25 years of extensive driving, and it was a horrible experience for all involved. No winners.

      • Exact same experience with AAMI recently. Sent them a final "Yeah, I'm going to sue you tomorrow" type email, got a state manager on the line that day who sorted it all out after weeks/months of bullshit, dodgy assesors refusing to send reports, upping the estimated repairs after finally upping the value slightly, trying to submit a write off illegally (outside of 15 year age, not eligible), and all sorts of absolute horse shit.

      • Just put of interest, what was your car that they were only offering 6k for?

      • Hello, greenie… what car did you have in 2005 that was written off?

    • I had no issues with my car accident that I was responsible for. Also had no issues with CommInsure and Allianz.

      • +1

        As horrible as it sounds, you're way better off CAUSING the crash rather than being the victim. If you cause a crash, you only need to deal with one insurance company. But if you're the victim, you need to deal with two.

        Despite me being the victim and literally paying Budget Direct to act on my behalf, they kept telling me that any settlement must also be approved by the guilty driver's insurance company, because they are not allowed to provide more compensation than legally allowed.

        This might be a blatant lie told by my insurance company, who knows.

        I've been badly burned many times. I paid extra for "choose your own repairer" but the guilty party's insurance company would only approve payment for the cheapest quote, so my repairer was only paid the minimum amount (which I believe is all a guilty party is legally required to pay) and had to cheap out on the repairs. A quote for $5,000 in repairs from a top-notch repairer on a classic vehicle gets knocked down to $2,300 because some the guilty party's insurance company talked to some guy who said his apprentice cousin could fix it. I paid extra so my insurance company would cover the difference, but they refused. It's criminal. Lawyering up to fight their decisions costs you money out of pocket that you'll never get back.

        • I was in a traffic incident a bit over a year ago (drunk driver smashed into us on the highway and wrote off my car, we walked away from it however) and insurance - Suncorp - dealt with everything after I provided details from both parties. You were definitely given the runaround.

          What intrigues me most about your story is that, if I’ve followed correctly, you went back to Budget after the first car was written off. Why didn’t you try a different insurer?

        • any settlement must also be approved by the guilty driver's insurance company

          Yeah, that's an absolute, blatant lie. If the other company won't play ball, it's on them to sue. That's literally why you get insurance, to offload all that bullshit.

        • Thats what you get for being a cheapskate to save a few bucks by choosing a shit ass insurer like budget direct. The name says it all, thats the problem with people these days. You all want the cheapest option for everything and then wonder why you recieve shit service. Stop supporting these cheap ass companies and they wont exist.

    • I'm using them. Fairly easy to deal with when my car front windshield broke.

    • Ive had an at fault, not at fault accident and hail damage claims through them before. Had no issues sorting through any of them. All in the last 6 years. No I am not a bot. I no longer find them the cheapest so moved.

    • ex husband was with them and he made a claim , he had to buy his driving history and due to him loosing some points and not telling them ( i didn’t know we had to tell them ) .we sue to this fact they increased his premium which was like $800 more and he had to pay the excess so changed company after that experience….
      everytime i had to claim i have never had to get driving history

    • NPC insurance company, super risk adverse if you drive anything more than 200bhp if you're under 30.

    • I was with them for 4 years until this year when they increased my annual payment to $1450 (from just over $1000), switched to aami and paid $900 instead. Budget would not budge in literally any way for a cheaper price. Only good thing was the woman I spoke to on the phone, totally understanding and processed everything very quick

  • oooooh thanks op will definitely be using this soon. thanks for sharing!

  • +2

    Cheers got a car going up for sale so this is good to sell with it.
    Can get the vin easily from doing a Qld Rego Check on tmr. Just google Qld Rego check

    • What kind of car.

      • Corolla

        • +1

          Which year/kms did you get and for how much? They are so expensive now. I saw a hybrid Corolla 2020 model for more than current RRP haha

        • -1

          In brisbane?. Pm me.

      • +1

        The GoGo Mobile kind…

  • noice.
    saving for later

  • +1

    Reported as stolen - Exception - Tasmania! The only state/territory that isn't included.

    That said this is a great service, even if you have to pony up the $2.
    I have heard a few horror stories from the people at Transport Dept. about purchased vehicles that had more money owed than the car was worth.

    Oh and you can do it on a mobile. Watch the seller cringe, as you find out they owe money to the bank on it still!

  • -1

    "Some repairable write-offs are fixed, inspected, re-registered and re-sold - but the standard of the repairs may be poor"
    Untrue. The process to get a VIV to reregister a vehcile is comprehensive, and effectively the vehicle must be put back to orignial specifications. It's expensive and very detailed.
    Compare that to a vehicle that has been damaged, then repaired after an accident. There is no inspection. No confirmation that repairs are done properly ot that the vehicle meets the original specifications. Airbags arent tested. History of p[arts used isnt checked. If anything, a vehicle that has had a VIV would be the better and safer option.
    And don't think that it must have had a more serious accident. Generally if there are 3 or more panels damaged a vehicle can be written off depending on its value. A repairable writeoff can have minor damage but the cost to repair may exceed the value using new parts, or those parts may not be available. It is an economic thing. Many vehicles that have been written off would have been repaired in the past, and overseas could be. Manufacturers publish instructions on how to replace literally every panel and part correctly to comply with how it was originally made and to preserve the vehicle safety. We write cars off here for economic reasons generally.

    • +1

      Generally smart money do not buy repairable write-offs. Condition of the car notwithstanding, finding an insurer to cover it for comprehensive insurance may be challenging or impossible, and it turns off 90% of the market, limiting your future potential buyer pool. Some damage, such as flood damage, may also be impossible to 100% fully unwind, so you may be getting a car that is full of electrical gremlins and a future rust bomb. You'd have to be pretty silly or desperate (eg buying a written off prestige car as you can't afford the market price) to want to get one.

      • +1

        Ive never seen a flood damaged repairable write off. Im a mechanic and Ive seen heaps and worked on them. To get a VIV is not easy. The smallest things are picked up. For example, if the brake backing plate is even slightly bent, it cant be straightened but has to be replaced. All paint chips have to be touched up. It has to be put on a measuring rack and all dimensions checked to the mm, not just the repaired area. Even a simple stolen and recovered vehicle with no damage has to go through it. And yes, they sell for less, and can make great buys.

    • +1

      Airbags arent tested.

      How do you test airbags?

      • Resistance and capacitance checks.

      • Multimeter and obd2 scanner. electrical resistants.

    • "put back to orignial specifications."

      Well that's a lie.

      Depending on the age of a vehicle and how rare it is, it might be impossible to order new parts so second hand unknown quality parts are often used and painted up to look new. Harnesses are sometimes cut and poorly patched so suffer from corrosion.

      Repaired vehicles can have so many invisible issues that are impossible to fully test during an inspection.

      My dad had a constant rattle inside the tailgate of his car after a repair, because a welded section deep inside the frame had broken off. It wasn't visible but tapping it caused a rattle. We nearly went insane after driving hearing a constant rattling noise for 10 hours straight between Sydney and Byron Bay.

      Another car I bought which had been a repairable write -off suffered from water leaks, something a comprehensive inspection will not notice. Every time it rained the footwells filled with water. One night the water level was so high it flooded the fuse box. The car is still in the garage, hasn't been drivable and I'm not healthy or rich enough to repair it.

      • You are talking about repaired vehicles in general. And this is what Im saying about cars that are damaged and repaired in a regular accident. Nobody checks them. Ive seen some shocking work come from panel shops that is simply unsafe and not acceptable (I'm a mechanic and I do reports for courts, insurance companies etc)
        The VIV is very comprehensive. There has to be a complete photo journal kept. All invoices for parts used must be produced and if they are used the VIN of the car they came from must be included on the invoice. You cant just get them from a guy on facebook. If looms are damaged, they have to be tested and inspected. If the tester isnt happy, he can request that the vehcile be pulled down and a report done by a qualified person. I have done work for customers who buy cars and repair them. The process was tightened up about a year ago, and now requires so much to be done that unless you buy it really realy cheap, its not worth it. Removing airbags to have them tested is expensive. Dealers have to scan vehicles and do reports (must be factory dealers) and bodies must be put on racks and measured to the mm against original specs, and not just the damaged area. Even paint chips must be touched up. Even a stoeln and recovered vehicle with no damage has to go through this. Then after it passes the VIV, it has to have a full RWC inspection. Most of the cars on the road would fail a VIV test, yet normal accident damaged vehicles have no testing or inspections.
        If you have an inspected vehicle that is on the VIV register, then it must have been one that was for the previous standards. Water leaks arent hard to find. Hose it while someone inside checks to see where it is leaking. it can only be a door, windscreen, sunroof or from the heater inlets. If it has a sunroof the drains regulary block and cause water to run down the pillars under the trim. Cleaning them out as well as the door drain holes should be done regulary.

      • Also only vehicles under 25 years old require a VIV to be registered. So if its an old or rare vehicle this wont be applicible.

    • The quality of the repairs is not checked properly, simply the origin of the components used to do a repair.

    • Is a VIV required in QLD?

      I saw the first comment where people rebirth a write-off in QLD and was wondering how decent the repairs are

  • Works for Motorcycles as well. Thanks.

  • Thanks for posting. Where does it say that there is a limit of 5 and is it a yearly limit?

    • is it a yearly limit?

      No - it's a lifetime limit.

  • we really need one of these post at year end/mid-year…listing all the bargain of the year! :P

  • Thanks OP,

    Just did 1 check and the report didn't say anything about "Financing owing". Does that mean the car has no money owning?

    I never do this before so not sure.

  • "I provide consent to Budget Direct to contact me occasionally about their products and services" - For most it's $2 for your details and to agree to be spammed by a company and its affiliates that you likely have no interest in.

  • +2

    It's worth paying $2 to not get spammed to death by budget direct.

  • +1

    A free 2 dollar ppsr check isn't worth it for budget direct

  • Why do people talk about getting spammed? Don’t we all have enough disposable numbers from all the Boost deals?

    • 12 months later….

      • +1

        Yea only just realised this was brought back up the front page.

  • "Form submission failed. Please try again later."

    I saw the other posts saying to type manually instead of copy paste.

    Tried that and still the same thing.

    I guess it's over?

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