Budget Direct Home & Contents Insurance

Optional extra

Budget Direct Home & Contents Insurance

Optional extra

Mozo Review   Budget Direct Home & Contents Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 2019 Insurer of the Year

  • New for old cover

  • Mozo Experts Choice Award 2019

  • 30% online discount

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 2019 Insurer of the Year 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 also awarded a 2019 Mozo Experts Choice Award in the Exceptional Value Home & Contents Insurance category. 

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 $12,000.  

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.

Details

Rates and fees information correct as at 19 October 2019. 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.
Policy and service features
  • 60

  • Optional Extra - Up to 25% of building sum insured

  • $100

  • n/a

  • 30% online discount

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

  • Up to $1,000

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional extra

  • Optional extra

  • Optional Extra, up to 10 years old

Buildings
  • Up to $1,000

Contents
  • Up to $500

  • Up to $1,000

  • Up to $2,500 combined with computer software

  • Hardware yes, software up to $2,500 combined with CD's/DVD's

  • 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 or set, up to $3,000 in total

  • Up to $2,000

  • Up to $10,000

Other cover
  • Up to $5,000 funeral expenses

  • Up to $500

  • 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 and demolition costs

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

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

  • Up to 20% of sum insured

Customer Reviews

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

Overall customer rating
7.8/10
Value for money
7.8/10
Policy coverage
7.2/10
Customer service
7.7/10
Claims handling
6.9/10
Trust
7.3/10

Latest reviews of Budget Direct Home & Contents Insurance

  • Overall
    8/10
    Competitive premiums and great customer service

    Quick easy STRESSLESS and good value

    Quick easy STRESSLESS and good value

    Value for money
    -1/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    9/10

    Sue | New South Wales

    reviewed over 1 year ago

  • Overall
    8/10
    Good customer service

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

    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

    Vicki | Queensland

    reviewed almost 2 years ago

  • Overall
    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...

    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
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Sophie | New South Wales

    reviewed over 2 years ago

  • Overall
    8/10
    Competitive and friendly, easy sign up

    Easy to sign up, clear pricing

    Easy to sign up, clear pricing

    Value for money
    8/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Ashley | Victoria

    reviewed over 2 years ago

  • Overall
    10/10
    Very competitive pricing

    Very competitive in their pricing.. I was able to update the value of insurance on the high...

    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
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Suzanna | Queensland

    reviewed over 2 years ago

Budget Direct

About Budget Direct

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