Budget Direct Car Insurance

Budget Direct Car Insurance Questions & Answers (page 3)

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terry
terry · Car Insurance

Would a claim under house and contents be handled the same way as a car accident claim ,bit concerned about the terrible reviews

terry
terry  

Received an answer via email just today to the above question but curious why it doesn't show up here

Fired Up
Fired Up  

Why curious? Do you see other responses from them here?

terry
terry  

Meant i did get a response via an email but it didn't show on here

MONTROSE
MONTROSE  

Individuals can contact you direct with an answer without going through this website.
They usually have questions/information which they think you may be find of use and you do not need to have your problems/issues out in public.
From experience, hearing about other people's experiences about a company can help your decision making.

terry
terry  

what on earth does that mean ?

Barbs
Barbs · Car Insurance

I want to check my insurance policy

Kevin D.
Kevin D. · Car Insurance

Anyone have experience with a stolen car with budget direct? Mine got stolen yesterday and am now waiting for my claim to be processed

Paula C.
Paula C.  

Good luck! Our car was stolen and never and after 6 weeks of fight with them they cancelling our policy refunded what we paid for that year and told us we had 24 hours to pick up our car. Never never again.

Andy
Andy · Car Insurance

Does anyone have advice for (1) ease/ difficulty / processing times of making a claim when another driver is at fault, namely, my car was parked in a shopping centre carpark bay and another vehicle reversed into it, then drove off (I have independent witnesses and already filed a police report) (2) what happens to BD premiums if such a claim (i.e. not my fault), were lodged? Incidentally, the damage to my front bumper is minimal. Thanks in advance.

Quantas
Quantas  

Andy, you're already on the right track with filing the police report with witnesses. I guess you can make a claim by ringing budget direct and just make sure u tell them I have proof that it's not your fault...

sammy
sammy  

They are hard to deal with when making a claim dosent matter who is at fault they make you jump thru hoops, They will make it that difficult

Xavjax
Xavjax  

They will trick you of paying for the premium even though it wasn't your fault. They said paying the premium makes the processing faster and once the investigation is finished they will refund the money back but they didn't even do the investigation and just say that I agreed to pay the premium so no further investigation is required. Budget direct is cheap but they will do anything not to pay up. So beware take your insurance somewhere else. You are paying for nothing. Good Luck!

Deeslee
Deeslee · Car Insurance

I would like to see more comments following a claim. This seems to be the area of conflict between customers and insurance companies.

MEL
MEL  

My partner hit a roo and has tried to make a claim this week for the review team to reject and cancel the insurance all together, he's been with them since he was 18 and has never made a claim before , do not go with this insurance company they are scamers and if they can find a loop hole to not cover you they will.

Ross
Ross  

I am in the exact situation as Mel's partner. I hit a roo and had my claim rejected due to a loophole in the policy. I'm going to be making a formal complaint with the Australian Financial Complaints Authority. I don't want other Australians to go through what I have with them. Find another insurer please.

Jake T.
Jake T.  

I tried to make a claim and they said they would be canceling my policy as my car is too low (hit a pot hole and buggered the transmission) also I was quoted an excess of 800 dollars online but as I was on the phone to the claims department it went up to 1300 dollars was told I would have my entire policy reimbursed but then on a follow up call was told I'd be getting nothing

Davo
Davo  

Mel and Ross, can you explain what the loophole was? Insuring a new car this week, don't want some weird loophole cropping up.

Nick
Nick · Car Insurance

Are any contents covered in my car?

Rick
Rick · Car Insurance

Do Budget Direct off trailer insurance?

Fired Up
Fired Up  

I don’t understand your question

missy Y
missy Y  

Dies it OFFER trailer insurance

oscar B
oscar B · Car Insurance

Does this company allow my choice of repairer?

Avinash M
Avinash M  

no they don't

Joel N.
Joel N.  

Yes they do

Patch
Patch  

If you pay extra in the premium they do. It's not free.

Budget Direct
Budget Direct   DM   

Hi oscar. You can nominate your preferred repairer as long as your policy includes the ‘choice of repairer’ option. If we consider a repairer's quotation is not competitive or that the repairs would not be completed to a satisfactory standard, we may decide to have your car repaired by an alternative repairer chosen by us or to pay you the reasonable cost of a satisfactory repair determined by us.​​​​​​​ I hope this answers your question. Have a great day. *Ruby

Singh
Singh · Car Insurance

How to know your insurance policy expired

Sam
Sam  

You may get a renewal notice in the mail with your insurance details, the other way to check is to log in to your Budget Direct account and check in on your insurance policies that way. Either amongst the summary or on the insurance page itself, there should be a notice of sorts saying that the insurance policy has expired. Hope this helps!

Goanna
Goanna · Car Insurance

Does anyone have a good story with claims with Budget Direct please?

Gan
Gan  

Never

I had an accident few weeks back and asked me to pay a huge amount before fixing the car even though it's not my fault and other party agreed to cover the cost.

Goanna
Goanna  

Thank you. I’m trying RACQ. they will price match any quote and as a member, there’s extra benefits. Cheers

smoky
smoky  

No rubbish company when you make a claim they treat you like a criminal don't go near this mob dreadful service

SYED
SYED  

Dont go near to them. I am just done 30 minutes ago even though my car is a complete loss and fault o other party for which they have already done settlement. But I was charged one extra premium because they want to rip off.

In 18 months 0 claims 0 roadside assistance

Vic
Vic · Car Insurance

How do I renew my Third Party Property,Fire and Theft...P/no 11591791303? Due on 21 October 2018.

Michele
Michele · Car Insurance

Can I choose my own repairer?

steve
steve · Car Insurance

do you have boat insurance policy?

Gary
Gary  

No boat insurance.

Fred
Fred  

Not as far as I know Steve

Stevel
Stevel · Car Insurance

So it appears from the reviews everyone is happy with the sales process at the beginning and unhappy with the process of making a claim and getting treated fairly. Is that about right or would you dispute that?

anna
anna  

You got that right. Budget are very happy to take your money, as long as you don't claim. Then you are put under the the microscope.

John
John  

it seems that all the 5 star reviews made on July 27th were from "customers" aka Budget Direct employees who only joined that same day and have made only 1 review. That's not suspicious is it. These reviews are obviously made up and should be removed! Budget Direct are in fact absolute crap and do not pay up when making a claim!!!

Ryan
Ryan  

Absolutely right, they put all the money from paying customers into writing the PDS so it is impossible to claim.

they offer best lost baggage apparently, but if your bag is not on you when it is lost, its unattended not lost, so basically, unless you never lose your bag, you cannot make a claim.

Did you know a Hired taxi is a public place, yep, Budget redefine whatever they want to make sure you cannot claim.

smoky
smoky  

Rubbish company do anything not to pay legitimate claims the only way to get them to pay is take legal action

Kez21
Kez21  

They just doubled my car insurance premium

Been with them for lots of years

I Only do 5000 km a year

One claim for window glass only and that was hard work would hate to have a major claim

They do not look after loyal customers I won’t be fooled again

Totally unsatisfactory

I think most of their reviews are suspicious. They ban people from commenting.

Kez21
Kez21  

They doubled my car insurance

Been with them for many years

Only do 5000 km a year

One claim for window glass only and that was hard work

You think they would look after loyal customers but they won’t and I won’t be fooled again

Totally unsatisfactory

Looking for something that’s not so suspicious as their advertising and I reckon they edit comments and block unhappy customers

Mazza
Mazza  

every car insurer is the same, treating people with respect and very welcoming to when they are getting money, the complete opposite when they need to fork out $$$$. I paid the extra $$$ with Allianz thinking i would be treated better than other companies, this was not the case. for the past few years ive been changing insurers to which ever companies been cheaper.

Stevel
Stevel  

I haven’t found this when I claimed on my Coles insurance but admittedly it was an accident that wasn’t my fault. Alliance was the same good with a no fault claim.

SYED
SYED  

exactly right.
even if it's not tour fault you are treated well by other party insurer but budget direct being your insurer would love to RIP off extra premiums because they want your money

Chloe B
Chloe B · Car Insurance

What is a NCD Grade4 equivalent to as a %age? Need to know for CTP Green Slip.

Vonnie
Vonnie · Car Insurance

what is the agreed value of a foton ute 2016 model?

Budget Direct
Budget Direct   DM   

Hello, When completing a quote the online system initially generates a market value policy quote. If an agreed value is available it will appear on the 'Options' page, once you have selected 'continue online' located underneath the price.

We may offer an agreed value if the vehicle is less than 10 years old; does not have an after-market LPG conversion; and the purchase price is within an acceptable range of the current market value. Otherwise this option will not be offered.

Please note the Agreed Value amount offered is determined by our Underwriters and is non negotiable.

If we can be of any further assistance please feel free ​to chat with us online here or for immediate assistance contact us on 1300 858 747. We’re here from 8am to 10:30pm, Monday to Friday and 8am to 5pm on Saturdays (AEST).

-Morgan

Ban H
Ban H · Car Insurance

Anyone done budget car insurance in sydney and had accident . please say how is your experience? email me if possible .

[email address removed]

ClaireBear
ClaireBear  

Yes, my son had an accident and Budget has screwed him over totally. 1st putting him at ease by telling him he was covered as he was not at fault, then changing their minds and cancelling his claim. Disgusting and pathetic conduct in general.

Annabelle
Annabelle  

Yes. My experience was terrible. Took months to sort out and i had to go to the insurance ombudsman. They didnt want to pay as i had a claim 5 years earlier with another insurer and hadnt listed. The claim woth budget was not at fault. Someone hit my car whilst stationary.

To top it off when you make a claim and cancel your policy they kerp the remainder of your premium

BE VERY VARY AS THEH ARE CHEAP AND NASTY

Ban H
Ban H  

just do nrma

anna
anna  

Hi, I would not use them again,they are not off any use when it comes to putting in a claim.

I have gone back to NRMA the peace of mind is worth the extra couple of dollars.

Mazza
Mazza  

any problems you encounter with insurance playing games lodge a dispute @ https://www.fos.org.au/ this will keep them in a straight line

2NE1
2NE1 · Car Insurance

The policy we purchased with Budget Direct was an agreed value of $30250 and in late Fenruary this year, our vehicle was damaged by someone else. To the untrained eyes and feedback from various independant repairers, the car must be a write-off. Budget Direct think otherwise and provided us with a fixing quote of $21284.75 and if agreed, a salvage quote of $3500. In total $24,784.75 and this is not enough to replaced our car at market value. How can we make a stand on this?

Gossy
Gossy  

I'd need more information to better answer your question. Some of the things I'd like to know are: is there mechanical damage, if so to what extent, also can internal motor issues pop up after the repairs are done. I'd like to think that you should have the option to be paid out or elect to repair the car. Budget Direct won't be out of pocket but the at fault insurer will be out of pocket. Have you got another repair quote to compare the repair bill, you may find that this is higher and may tilt it towards write off. Normally though anything over 75% of the car value is a write off so not sure why Budget has recommended repairs when they don't have to pay out. Sounds as if the insurers are looking after each other. If this was my car, I'd have concerns with the integrity of the structure post repairs and if mechanical, possibly expensive issues down the track that would be hard to prove once you get the car handed back and you would have to pay out of your pocket. Hope this helps.

2NE1
2NE1  

Thank you Gossy!

Annabelle
Annabelle  

Hi. This might be a bit late but you need to go to the insurance ombudsman.

This company likes taking your premium each year but doesnt like paying claims. There are so many exclusions yhst are not disclosed at time of purchase.

I had a shocking experience with them and would advise anyone to stay away from them and choose a reputable insurer to save a few dollars is not worth the mental anguish and fight if you have to claim.

Logan.H
Logan.H · Car Insurance

Are you able to provide quotes?

mxkarina
mxkarina  

Beware would not pay out on policy. Son was in a accident other party at fault. Car ride off now in process of legal action.

YouAndMe
YouAndMe  

Call them as Budget are very good.

Leave Youi off your list as they are worst insurer going !

Budget Direct
Budget Direct   DM   

Hello Logan, Thanks for considering us at Budget Direct! For Car insurance quotes please visit external link  or call us on 1800 700 027.

-Morgan

Debbie W
Debbie W · Car Insurance

What is claim service like? Any hidden issues?

smoky
smoky  

The claim service is horrendous they will drag it out as long as possible then denial your claim for the most obscure reason great taking your money don't want to know you when you make a claim then cancel your policy even if it is not your fault don't go near this company just look at the claims made reviews.By far the worst insurance company on the Aussie market be warned

smoky
smoky  

The claim service is horrendous they will drag it out as long as possible then denial your claim for the most obscure reason great taking your money don't want to know you when you make a claim then cancel your policy even if it is not your fault don't go near this company just look at the claims made reviews.By far the worst insurance company on the Aussie market be warned

anna
anna  

TERRIBLE, they will try to put anything over you to get out off a claim. My advise is to read there policy the underwriters very carefully (even then you will probably not understand what you are covered for), If you don't read your policy and understand it you might find Budget are not there, and doing everything they can to wriggle out of a claim, when you need them.

Annabelle
Annabelle  

Shocking claims service!!

Months and months to have a $600 not at fault claim paid. Then when i cancelled the policy they wanted to keep the remainder of the premium because i had a claim. I had to fight tooth and nail and involve the insurance ombudsmen. Not worth the stress and anguish.

My advice STAY RIGHT AWAY FROM BUDGET DIRECT. cheap and nasty!!!!

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