If you’re in the market for a contents insurance option that goes above and beyond the norm, then Budget Direct’s Contents Insurance may be the policy for you. Aside from providing your valuables with generous cover for a range of events, Budget Direct also offers a number of standout additional benefits including temporary accommodation and new for old replacement of items.
When it comes to providing protection for your valuables, the Budget Direct Contents Insurance policy will have you covered with up to $800 cover for any cash in your home, and up to $1,000 for items of jewellery (with a $5,000 total limit).
You’ll have peace of mind knowing that your contents will be covered for a range of potential events - both likely and unlikely. Theft, vandalism, fire and lightning damage will all be covered under a Budget Direct policy, though if you’re wanting to protect your valuables against flood damage you’ll need to take it out as an optional extra. Another thing to note is that power surges and storm surges (an increase in sea level caused by a storm) aren’t covered in the policy.
In addition to the standard features you’d expect from most contents insurance policies, Budget Direct will also provide you and your family (plus your pets) temporary accommodation cover for up to 12 months, as well as new for old replacement for possessions which are damaged or destroyed in an event.
Just remember to sign up online for your Budget Direct Contents Insurance policy so you can take advantage of the 15% online discount on your first year's premium.
Providing great value for money for a comprehensive range of standard and additional features, the Budget Direct Contents Insurance policy could be a great option for any homeowner wanting to safeguard their valuables and possessions.
Just bear in mind that Budget Direct may charge you a fee for paying your premium in monthly instalments, though you won’t be slugged if you opt to pay it as a lump sum each year.
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Up to $800 in total |
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No |
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Up to $3,000 combined with computer software |
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Hardware yes, software up to $3,000 combined with CDs/DVDs |
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Yes |
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Yes |
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Up to $2,500 per item |
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Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections |
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Up to $1,000 per item or set, up to $5,000 in total |
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No |
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No |
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No |
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Yes |
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Up to $2,000 |
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No |
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Up to $12,000 |
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Up to $7,000 funeral expenses |
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No |
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Up to $1,000 |
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Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets. |
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Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation. |
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Up to 10% of sum insured combined with debris removal |
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Up to 10% of sum insured combined with emergency storage |
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No |
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No |
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Up to 14 days |
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Up to 20% of sum insured |
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60 |
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No |
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Yes |
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$100 |
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true |
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no |
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15% online discount |
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Yes |
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Up to 90 days, up to 20% of sum insured |
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Up to $1,000 |
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Up to $20,000,000 |
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none |
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none |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra |
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Yes |
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Optional Extra, up to 10 years old |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Overall a good insurer to deal with but customer service could be more professional and friendly.
Read full reviewOverall a good insurer to deal with but customer service could be more professional and friendly.
I have had nothing but good experiences with Budget
Read full reviewI have had nothing but good experiences with Budget
Disgusting. Cancelled our contents insurance. Reason given was that we had made a claim (which they paid without issue) 8 months ago. Lost our contents, home and two car policies. Would definitely not recommend. Bendigo Bank provided a cheaper policy as well.
Read full reviewDisgusting. Cancelled our contents insurance. Reason given was that we had made a claim (which they paid without issue) 8 months ago. Lost our contents, home and two car policies. Would definitely not recommend. Bendigo Bank provided a cheaper policy as well.
My neighbour's house caught alight in December 2019. My property suffered asbestos and smoke damage however Budget Direct wouldn't cover me because there was no flame at my property. Other insurers cover a flame within 10 metres to your property not Budget Direct! The next door property is about 9.2 metres away. You made a traumatic experience worse... shame on you.
Read full reviewMy neighbour's house caught alight in December 2019. My property suffered asbestos and smoke damage however Budget Direct wouldn't cover me because there was no flame at my property. Other insurers cover a flame within 10 metres to your property not Budget Direct! The next door property is about 9.2 metres away. You made a traumatic experience worse... shame on you.
It was an easy process and quite affordable.
Read full reviewIt was an easy process and quite affordable.