Budget Direct home insurance

Budget Direct has been offering Aussies peace of mind with its insurance policies for more than 20 years, and has organised insurance for over 3 million people. All of its home and contents policies are underwritten by Australian based Auto & General Insurance Company Limited.

Continuing to live up to its top-value name, Budget Direct is multiple-award-winner in the Mozo Experts Choice Home Insurance Awards and Mozo’s 2020 Value Insurer of the Year. So if you want a simple, smart option for insuring your home, check out the home insurance options available from Budget Direct.

Budget Direct offers the following home insurance

Rates and fees verified as correct at 3 July 2022. Other information correct at the time of writing.
Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement  
Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood
(optional)

Yes

No

Yes

Home & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood
(optional)

Yes

Optional Extra

Up to 25% of building sum insured

Yes

Home Buildings Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood
(optional)

Yes

Optional Extra

Up to 25% of sum insured

Yes

How is Budget Direct home insurance rated?

Mozo users have rated Budget Direct home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
Budget Direct home insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

220 Reviews

Recent Budget Direct home insurance reviews

Budget Direct Home & Contents Insurance
Overall 7/10
Good value for money

This insurance company offers more cover for less and can adapt your premium to suit your budget.

Read full review

This insurance company offers more cover for less and can adapt your premium to suit your budget.

Value for money
8/10
Policy coverage
6/10
Customer service
7/10
Trust
6/10
Less
Gayle, South Australia, reviewed 1 day ago
Budget Direct Contents Insurance
Overall 1/10
Very Unprofessional company- All lies

Since 14th of March my content claim of washine machine of $900 still going, they asked for all requested documents, I have sent them but ever since I call them every week chase up. I get will get the consultant to call you, get manager to call you. They never do, I call them back week after. They excuse is we are so busy. Its just the matter of manager to check and ok it. You tell them its urgent, you on hardship this is adding more stress but basically they dont care about their customers at all. This is why they are so cheap because of dodgy customer service.

Read full review

Since 14th of March my content claim of washine machine of $900 still going, they asked for all requested documents, I have sent them but ever since I call them every week chase up. I get will get the consultant to call you, get manager to call you. They never do, I call them back week after. They excuse is we are so busy. Its just the matter of manager to check and ok it. You tell them its urgent, you on hardship this is adding more stress but basically they dont care about their customers at all. This is why they are so cheap because of dodgy customer service.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Yelda, Victoria, reviewed 24 days ago
Budget Direct Home & Contents Insurance
Overall 1/10
Extreme premium increase and bad customer service

Budget Direct wanted 71% more premium for the building component of our home insurance compared to last year despite us not being in an area of risk of either flooding or bush fires, despite them increasing the insured value of the house by just 5% and despite us having been with them for six years with no claims. I phoned to ask why it had increased so much and whether they could do anything. Three times, they were supposed to phone me back and didn't. On the fourth time, they did call back but it took several more days before they said the price stood. They never did say why the premium had increased so much. I've gone with a different company.

Read full review

Budget Direct wanted 71% more premium for the building component of our home insurance compared to last year despite us not being in an area of risk of either flooding or bush fires, despite them increasing the insured value of the house by just 5% and despite us having been with them for six years with no claims. I phoned to ask why it had increased so much and whether they could do anything. Three times, they were supposed to phone me back and didn't. On the fourth time, they did call back but it took several more days before they said the price stood. They never did say why the premium had increased so much. I've gone with a different company.

Value for money
1/10
Policy coverage
6/10
Customer service
1/10
Trust
2/10
Less
Adrian, Queensland, reviewed 2 months ago
Budget Direct Home & Contents Insurance
Overall 6/10
Budget Direct not really Budget

I was with Auto and General until Budget Direct bought them out. I had a great insurance price but seeing Budget Direct take over my insurance went up $50.00 per month for home and contents and car insurance. It’s all inclusive. But still if it goes up again I will be looking around to change to someone cheaper.

Read full review

I was with Auto and General until Budget Direct bought them out. I had a great insurance price but seeing Budget Direct take over my insurance went up $50.00 per month for home and contents and car insurance. It’s all inclusive. But still if it goes up again I will be looking around to change to someone cheaper.

Value for money
6/10
Policy coverage
8/10
Customer service
6/10
Trust
6/10
Less
Carol anne, Queensland, reviewed 3 months ago

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