Budget Direct Home & Contents Insurance

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Budget Direct

Get award-winning Home & Contents Insurance. Save a huge 30% just for quoting online

Budget Direct Home & Contents Insurance policies let you tailor your policy to suit your lifestyle and your budget. So now you can get cover you need at a price you can afford.

Budget Direct Home & Contents Insurance Review

Rates and fees information correct as at 21 September 2018.

Review published: 20 September 2017

What's hot:

  • 30% online discount

  • New for old cover

  • Mozo Experts Choice Award 2018

What's not:

  • No cover for landscaping costs

Mozo snapshot:

If you're looking for wide-ranging protection for your home and possessions that’s not only great value, but also comes with a heap of extra features like new for old replacement and portable contents cover, then Budget Direct’s Home and Contents Insurance policy could be the option for you. Plus with a 30% discount when you sign up online, it’s no wonder that the policy was awarded a 2018 Mozo Experts Choice Award for Exceptional Value.

Key features:

Budget Direct Home and Contents Insurance will provide cover for your house and valuables from a range of events. The policy will insure you for everything from everyday occurrences like the accidental breakage of glass, to theft and even natural disasters such as lightning strikes and storms, and you’ll even be able to add flood cover to your Budget Direct policy as an optional extra.

If your home or contents are damaged or destroyed by an insured event, you’ll rest easy knowing that Budget Direct covers your valuables such as jewellery for up to $1,000 an item, your credit card for up to $1,000, and artwork for up to $5,000 per item. Even the contents from your home office will be insured for up to $10,000.  

With temporary accommodation cover you’ll also be safe in knowing that your family and pets will have a roof over your heads for up to 12 months (up to 10% of the sum insured) in the event that your home is damaged or destroyed.  

The Budget Direct Home and Contents Insurance policy also comes with a number of handy extra features like new for old replacement for your belongings and optional personal effects cover for frequent travellers, plus you’ll be eligible for a 30% policy discount if you sign up online. 

When it comes to paying for your policy Budget Direct gives you the option to pay your premium as a lump sum once or year, or in monthly instalments. However, you might be charged an extra fee if you do choose the monthly option.


Who it's good for:

With extensive cover for a range of events as well as a number of extra and optional features, Budget Direct’s Home and Contents Insurance is a top value option for homeowners looking to get the most out of cover for their home and valuables.

Any catches?

While Budget Direct provides a generous level of cover for a number of possessions, the policy does not cover landscaping costs such as the replacement of trees and shrubs in your garden should they be damaged in an event.

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

Product Type Overall Rating Price Features Service Claims Handling Trust
Budget Direct home insurance
7.8

Based on 131
Budget Direct home insurance reviews

7.8 7.2 7.7 6.9 7.3

Latest reviews of Budget Direct Home & Contents Insurance

Budget Direct

Budget Direct Home & Contents Insurance home insurance review

Overall rating   8 / 10

Competitive premiums and great customer service

Quick easy STRESSLESS and good value

Full review

Quick easy STRESSLESS and good value

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   9 / 10

Less

Sue, New South Wales, reviewed 8 months ago

Budget Direct

Budget Direct Home & Contents Insurance home insurance review

Overall rating   8 / 10

Good customer service

Have been good to deal with, prompt and courteous. They have good customer service.

Full review

Have been good to deal with, prompt and courteous. They have good customer service.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   9 / 10

    Claims handling   9 / 10

    Trust   8 / 10

Less

Vicki, Queensland, reviewed 10 months ago

Budget Direct

Budget Direct Home & Contents Insurance home insurance review

Overall rating   10 / 10

Fair insurance and great customer service!

It's easy to get on the phone with them. They easily explain their products and most of all they are pretty fair on their price, which helps.

Full review

It's easy to get on the phone with them. They easily explain their products and most of all they are pretty fair on their price, which helps.

    Value for money   10 / 10

Less

Sophie, New South Wales, reviewed about 1 year ago

Budget Direct

Budget Direct Home & Contents Insurance home insurance review

Overall rating   8 / 10

Competitive and friendly, easy sign up

Easy to sign up, clear pricing

Full review

Easy to sign up, clear pricing

    Value for money   8 / 10

Less

Ashley, Victoria, reviewed about 1 year ago

Budget Direct

Budget Direct Home & Contents Insurance home insurance review

Overall rating   10 / 10

Very competitive pricing

Very competitive in their pricing.. I was able to update the value of insurance on the high end,at no real extra cost . Very easy to deal with on line and on the phone. Staff very informative and friendly.

Full review

Very competitive in their pricing.. I was able to update the value of insurance on the high end,at no real extra cost . Very easy to deal with on line and on the phone. Staff very informative and friendly.

    Value for money   10 / 10

Less

Suzanna, Queensland, reviewed about 1 year ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Policy and service features

  • 60

  • Optional Extra - Up to 25% of sum insured

  • $100

  • 30% 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

Buildings

  • Up to $1,000

  • Up to sum insured

Contents

  • Up to $500

  • Up to $1,000

  • Up to $2,500

  • Software only, up to $2,500

  • Optional extra

  • Up to $2,000 per item

  • Up to $5,000 per item for artwork, up to $10,000 in total, up to $2,000 for collections

  • Up to $1,000 per item, up to $3,000 in total

  • Up to $2,000

  • Up to $10,000

Other cover

  • Up to $5,000 for funeral or injury

  • Up to $500

  • Up to 10% of sum insured

  • Up to 12 months, up to $500

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

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

  • Up to 10% of sum insured combined with debris removal cost and emergency storage cost

  • Up to 20% of sum insured

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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