Budget Direct Home & Contents Insurance
Budget Direct Home & Contents Insurance
Mozo Review Budget Direct Home & Contents Insurance Review
Last updated: 22 October 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, 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 28 January 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.Policy and service features
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60
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Optional Extra - Up to 25% of building sum insured
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$100
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n/a
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30% online discount
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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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n/a
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n/a
Events
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Optional extra
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Optional extra
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Optional Extra, up to 10 years old
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Buildings
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Up to $1,000
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Contents
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Up to $800
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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 CD's/DVD's
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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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Up to $2,000
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Up to $12,000
Other cover
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Up to $7,000 funeral expenses
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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 and demolition costs
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Up to 10% of sum insured combined with demolition cost and emergency storage
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Up to 10% of sum insured combined with debris removal cost and emergency storage
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Up to 20% of sum insured
Customer Reviews
How are Budget Direct home insurance rated by the Mozo community?
Latest reviews of Budget Direct Home & Contents Insurance
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Looks like I will be really checking prices.
This is first year. I gather it will raise next year even though we never make claims. Because my postcode was in fire area, no threats where I live and we never claim they only gave a ridiculous high quote for my car insurance which is due December for renewal. They already have our other car.
Read full reviewThis is first year. I gather it will raise next year even though we never make claims. Because my postcode was in fire area, no threats where I live and we never claim they only gave a ridiculous high quote for my car insurance which is due December for renewal. They already have our other car.
Value for money10/10Policy coverage9/10Customer service-1/10Claims handling-1/10LessTrust-1/10 -
Fair.
Cheap and good value.
Read full reviewCheap and good value.
Value for money10/10Policy coverage8/10Customer service3/10Claims handling10/10LessTrust5/10 -
Competitive premiums.
I like this insurer because it is a little cheaper than most insurance companies.
Read full reviewI like this insurer because it is a little cheaper than most insurance companies.
Value for money7/10Policy coverage6/10Customer service-1/10Claims handling-1/10LessTrust-1/10 -
Good insurer. Always competitively priced
Love Budget Direct. They always the lowest prices and great customer service.
Read full reviewLove Budget Direct. They always the lowest prices and great customer service.
Value for money10/10Policy coverage10/10Customer service10/10Claims handling10/10LessTrust10/10 -
Competitive premiums and great customer service
Quick easy STRESSLESS and good value
Read full reviewQuick easy STRESSLESS and good value
Value for money-1/10Policy coverage10/10Customer service10/10Claims handling10/10LessTrust9/10
