Budget Insurance has introduced an optional cash back bonus for both new and existing customers, which differs from its competitors in that there is a long list of claims that do not affect the bonus. These include, for example: claims for stolen vehicles fitted with a tracking device, money stolen from the customer's home, repairable windscreen damage and stolen garden furniture.

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It has been introduced to motivate customers to be more cautious with their possessions. It gives customers 15% of their premiums back after two uninterrupted, claim-free years, 10% back after the next two uninterrupted claim free years following that and 10% back for every uninterrupted claim free year thereafter. Once the payout has been made, the customer begins a new cycle for the next cash back bonus payout.
Martin Janse van Rensburg, spokesperson for Budget Insurance, says, "Many consumers do not understand the difference between a no-claim bonus and a cash back bonus. With a no-claim bonus, insurers reward clients for each claim-free year that passes, by possibly using this to discount their monthly premium. The cash back bonus, on the other hand, rewards the client with a financial pay-out for remaining claim free for a specified number of years, as a result of them being more vigilant with their possessions."