Budget Direct Contents Insurance

Optional extra

Budget Direct Contents Insurance

Optional extra

Mozo Review   Budget Direct Contents Insurance Review

Last updated: 22 October 2019.

What's hot:
  • 15% online discount

  • New for old replacement

  • Up to 12 months temporary accommodation

What's not:
  • Extra fee for monthly payments

Mozo snapshot:

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, new for old replacement and even cover for your guests items. 

Key features:

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). The policy even covers the uninsured items of any guests or visitors for up to $500. 

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. However, 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 premium discount.

Who it's good for:

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.

Any catches?

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.

Details

Rates and fees information correct as at 24 February 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Contents
  • Up to $800

  • Up to $3,000 combined with computer software

  • Hardware yes, software up to $3,000 combined with CD's/DVD's

  • Up to $2,500 per item

  • Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections

  • Up to $1,000 per item or set, up to $5,000 in total

  • Up to $2,000

  • Up to $12,000

Other cover
  • Up to $7,000 funeral expenses

  • Up to $1,000

  • Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

  • Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.

  • Up to 10% of sum insured combined with debris removal

  • Up to 10% of sum insured combined with emergency storage

  • Up to 20% of sum insured

Policy and service features
  • 60

  • $100

  • 15% online discount

  • Up to 90 days, up to 20% of sum insured

  • Up to $1,000

  • Up to $20,000,000

Events
  • Optional extra

  • Optional extra

  • Optional Extra, up to 10 years old

Customer Reviews

How are Budget Direct home insurance rated by the Mozo community?

Overall customer rating
7.7/10
Value for money
7.8/10
Policy coverage
7.1/10
Customer service
7.6/10
Claims handling
6.8/10
Trust
7.2/10

Latest reviews of Budget Direct Contents Insurance

  • Overall 1/10
    Do not choose Budget Direct!

    My neighbour's house burnt down 8 weeks ago in Carina, Qld killing her and causing smoke and asbestos damage to my neighbouring property. My $30k contents was rejected as there was no flame/fire at my property - they offered me $2k. Disgusting! They made a traumatic experience much worse. Shame on you.

    Read full review

    My neighbour's house burnt down 8 weeks ago in Carina, Qld killing her and causing smoke and asbestos damage to my neighbouring property. My $30k contents was rejected as there was no flame/fire at my property - they offered me $2k. Disgusting! They made a traumatic experience much worse. Shame on you.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Mlw, Queensland reviewed 3 days ago
  • Overall 10/10
    Extremely cheap and great coverage

    Quote and claim process is simple and all online.

    Read full review

    Quote and claim process is simple and all online.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    David, Australian Capital Territory reviewed over 2 years ago
  • Overall 10/10
    Highly recommended!

    We have our home and cars insured with Budget Direct and they're great. Prices are superb too.

    Read full review

    We have our home and cars insured with Budget Direct and they're great. Prices are superb too.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Eliza, New South Wales reviewed almost 3 years ago
  • Overall 10/10
    Good value for money and easy to deal with

    Cheapest quote with good value for money. Easy online process.

    Read full review

    Cheapest quote with good value for money. Easy online process.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Nadia, New South Wales reviewed about 3 years ago
  • Overall 7/10
    Good prices

    Good, never had any hassles. Price competitive with other insurers.

    Read full review

    Good, never had any hassles. Price competitive with other insurers.

    Value for money
    6/10
    Policy coverage
    7/10
    Customer service
    5/10
    Claims handling
    5/10
    Trust
    6/10
    Less
    Amanda, Western Australia reviewed about 4 years ago
Budget Direct

About Budget Direct

See Budget Direct home insurance