How do I make a claim on my Budget Direct home insurance policy?

To make a claim on your Budget Direct home insurance policy, you can call the provider on 1800 069 336, or make a claim online through the Budget Direct website.

Does Budget Direct home insurance cover hail damage?

Hail is considered part of storm damage, which is a standard inclusion in Budget Direct’s home insurance policy. However, there are circumstances when hail damage is not covered. For example, if you leave a window open during a hail storm, or it gets inside and causes damage to your possessions due to poor craftsmanship, you won’t be eligible to claim the costs on your insurance.

What is the cooling-off period for Budget Direct home insurance?

There is a cooling-off period of 21 days from the issue date of your Budget Direct home insurance policy. In this timeframe, you’re able to cancel your policy and get a full refund if you haven’t made a claim. If you wish to cancel your policy outside of the cooling-off period, Budget Direct may give you a partial refund for the remaining portion of the premium you paid. You may also be charged a $40 early cancellation fee.

How to cancel Budget Direct home insurance

You can cancel your Budget Direct home insurance policy by contacting Budget Direct on 1800 069 336 .

Budget Direct home insurance customer reviews and comparisons for 2025

Name: Budget Direct home insurance
Brand: Budget Direct
Rating: 3.1 (254 reviews)

Mozo experts choice awards won:

Exceptional Value Home & Contents Insurance - 2024

Find out more about Mozo’s Home Insurance Awards.
Home Buildings Insurance

Get award-winning Home and Contents Insurance at a price you can afford from Budget Direct. Save a huge 15% on your first year’s premium when you purchase a new combined Home Buildings Insurance policy online.
Main events covered

Fire

Theft

Storm

Flood

Optional Extra

Monthly payments cost extra

Yes

Underinsurance protection

Optional Extra - Up to 25% of sum insured

New for old replacement

Yes
Go to site

Underinsurance protection

Optional Extra - Up to 25% of sum insured

New for old

Yes

Building cover

Contents cover

n/a

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Optional Extra

Lightning

Yes

Earthquake

Yes

Storm surge

No

Fusion

Optional Extra, up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $7,000 funeral expenses

Monthly payments cost extra

Yes

General contents

No

Contents while moving

No

Antiques and valuables

No

Cash

No

Cd dvd and electronic files

No

Computer software and hardware

No

Camera and accessories

No

Carpets

No

Home office contents

No

Identity theft

No

Jewellery

No

Personal medical equipment

No

Replacement of documents

No

Tools of trade

No

Lock replacement

No

Emergency storage

No

Temporary accommodation

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

Temporary accommodation for pets

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

Temporary repairs

Up to 10% of sum insured

Buildings and structural improvements

Yes

Building materials

Up to $1,000

Demolition cost

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

Debris removal

Up to 10% of sum insured combined with demolition cost

Landscaping

Yes, garden borders, pathways and paved areas.

Gates and fences

Yes

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

180

Other restrictions

-

Other benefits

-

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.
Go to site
Mozo experts choice awards won:

Exceptional Value Home & Contents Insurance - 2024

Find out more about Mozo’s Home Insurance Awards.
Contents Insurance

Get award-winning Contents Insurance at a price you can afford from Budget Direct. Save a huge 15% on your first year’s premium when you purchase a new Contents Insurance policy online.
Main events covered

Fire

Theft

Storm

Flood

Optional Extra

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
Go to site

Underinsurance protection

No

New for old

Yes

Building cover

n/a

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Optional Extra

Lightning

Yes

Earthquake

Yes

Storm surge

No

Fusion

Optional Extra, up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $7,000 funeral expenses

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Up to 20% of sum insured

Antiques and valuables

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

Cash

Up to $800 in total

Cd dvd and electronic files

Up to $3,000 combined with computer software

Computer software and hardware

Hardware yes, software up to $3,000 combined with CDs/DVDs

Camera and accessories

Yes

Carpets

Yes

Home office contents

Up to $12,000

Identity theft

No

Jewellery

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

Personal medical equipment

Yes

Replacement of documents

No

Tools of trade

Up to $2,000

Lock replacement

Up to $1,000

Emergency storage

Up to 10% of sum insured

Temporary accommodation

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

Temporary accommodation for pets

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

Temporary repairs

No

Buildings and structural improvements

No

Building materials

No

Demolition cost

No

Debris removal

No

Landscaping

No

Gates and fences

No

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

180

Other restrictions

-

Other benefits

-

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.
Go to site
Mozo experts choice awards won:

Exceptional Value Home & Contents Insurance - 2024

Find out more about Mozo’s Home Insurance Awards.
Home & Contents Insurance

Get award-winning Home and Contents Insurance at a price you can afford from Budget Direct. Save a huge 30% on your first year’s premium when you purchase a new combined Home and Contents Insurance policy online.
Main events covered

Fire

Theft

Storm

Flood

Optional Extra

Monthly payments cost extra

Yes

Underinsurance protection

Optional Extra - Up to 25% of building sum insured

New for old replacement

Yes
Go to site

Underinsurance protection

Optional Extra - Up to 25% of building sum insured

New for old

Yes

Building cover

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Optional Extra

Lightning

Yes

Earthquake

Yes

Storm surge

No

Fusion

Optional Extra, up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $7,000 funeral expenses

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Up to 20% of sum insured

Antiques and valuables

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

Cash

Up to $800 in total

Cd dvd and electronic files

Up to $3,000 combined with computer software

Computer software and hardware

Hardware yes, software up to $3,000 combined with CDs/DVDs

Camera and accessories

Yes

Carpets

Yes

Home office contents

Up to $12,000

Identity theft

No

Jewellery

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

Personal medical equipment

Yes

Replacement of documents

No

Tools of trade

Up to $2,000

Lock replacement

Up to $1,000

Emergency storage

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

Temporary accommodation

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

Temporary accommodation for pets

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

Temporary repairs

Up to 10% of sum insured

Buildings and structural improvements

Yes

Building materials

Up to $1,000

Demolition cost

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

Debris removal

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

Landscaping

Yes, garden borders, pathways and paved areas.

Gates and fences

Yes

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

180

Other restrictions

-

Other benefits

-

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.
Go to site

Customer reviews

M

Mark

New South Wales - 8 months ago
Product name: Copy of Home & Contents Insurance

3.5

Cheap

Cheap and Easy
- Price
  
  4.5
- Service
  
  4.0
- Convenience
  
  4.0
- Trust
  
  3.0
T

Tanya

Queensland - 8 months ago
Product name: Copy of Home & Contents Insurance

2.5

Budget for a reason

I recently made my first claim after several years of being with Budget Direct. I quite clearly explained in the claim, which I lodged online, the cause of the problem and the fact that I did not expect them to replace my very old air conditioning unit. After an initial flurry of activity with 2 different trades visiting the house, there has been nothing for 3 weeks. Today I was told that the cause of the problem is not an insurable event and that I shouldn’t expect them to replace the air conditioner. I feel like we could have saved a lot of time and trouble if they had read the claim properly in the first place. I would like to think that if ever I do have a serious issue that they will deal with it promptly and resolve it to my satisfaction but I get the feeling that they will find a way to not have to pay out for any reason.
- Price
  
  4.5
- Features
  
  3.5
- Service
  
  3.5
- Convenience
  
  2.0
- Trust
  
  1.5
K

Kendall

Victoria - 11 months ago
Product name: Copy of Home & Contents Insurance

4.0

Good without being great.

Great budget friendly option. Not full coverage but enough to get by.
- Price
  
  3.5
- Features
  
  2.5
- Service
  
  3.5
- Trust
  
  2.5
A

Alison

South Australia - over 1 year ago

0.5

Not very budget friendly

I used to have my car and contents with Budget Direct for many years, but after a small claim for accidental damage to a pair of glasses they bumped my yearly premium up by over $600. I no longer have any of my insurance with Budget Direct.
- Price
  
  0.5
- Features
  
  5.0
- Service
  
  3.5
- Trust
  
  3.0
S

Scott

Queensland - over 1 year ago
Product name: Copy of Home & Contents Insurance

1.0

Not covering important events within there policy'

I have had insurance with budget direct insurance for over 5 years and found that they don't cover ground substance damage which can only be described as an act of God which should be covered by repterbale insurance company's and the cost of insurance went up over $700 in one year alone and don't give pensioner discount to pensioner's
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  3.5
- Convenience
  
  4.0
- Trust
  
  1.0
S

Steve

Victoria - over 1 year ago

0.5

Bad experience imbeciles clowns liars

This company are bunch of clowns lying imbeciles they take your money and when U make a claim they do their dirty tricks with Excuses Not to cover Your Claim and their workers lie to the customers , Bad company bunch of clowns liars dirty tricks don't waste your money
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
B

B

South Australia - over 1 year ago
Product name: Copy of Home & Contents Insurance

0.5

Save your money and go elsewhere

2 claims and this company has tried to weasel out of both. Absolute joke. Over a week between responses, leaves dangerous areas unattended to, ignores questions. Save your money and go elsewhere.
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
A

Alex

Tasmania - over 1 year ago

3.5

cheap seem to be good but have not had a claim

Budget direct have been fine I have used them for years for multiple products however have never had to have a claim. they have been the best price that I can find for car and home insurance. I think I have talked on the phone a few times and have not had a negative experience
- Price
  
  4.0
- Features
  
  4.0
- Service
  
  2.5
- Trust
  
  2.5
G

Greg

Victoria - almost 2 years ago

0.5

Lousy customer service for client traveling overs

Budget Direct failed to direct debit my house insurance while I was overseas. I suspected the problem was the expiry date of my visa card. I could not login to my BD account from overseas because they were trying to send an auhorisation code to my Australian phone which does not work outside of Australia. On online chat I gave a BD rep my updated visa card expiry date. He kept trying a direct debit with the old incorrect date, finally admitted he could not update my card details. Kept asking me to phone BD even though he knew I had no phone. Lousy customer service!
- Service
  
  0.5
- Trust
  
  0.5
C

Carolyn

Queensland - almost 2 years ago
Product name: Copy of Home & Contents Insurance

5.0

Easy

Online only excellent service. So helpful and good rates.
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0

Budget Direct home insurance

Navigate to:

About Budget Direct home insurance