Budget Direct Home & Contents Insurance

Both of the staff that assisted me were absolutely excellent. They were patient, kind and very informative. Truly exceptional customer service and lovely humans. Budget Direct is very fortunate to have them. Show details ·  1

After comparing all options this was by far the best. Great service when I called for clarification on a few points and very easy online experience. Saved over $400 in comparison to my previous 12 year insurance provider. Show details ·  1

Disappointed to have just recently cancelled both car insurance & home & contents insurance with Budget Direct. Hard to fathom how little real effort they make to keep their existing customers in comparison to attracting new customers. With 25% annual increases on their policies, with little interest in any actual discussion beyond increasing our… Read more

excess, we will continue to play the “game” and seek new policies elsewhere. This year saving just under $800! Surely the extra time involved for Budget (& the customer) signing up & checking on new policies would make retaining existing policy holders with more modest annual increases an obvious choice. I won’t hold my breath.

OK service, but the fact you have to CALL them to OPT OUT of automatic renewal is extremely frustrating. It's the one thing you can't do online, you have sit for ages on the phone to cancel. How these guys get so many awards is beyond understanding. I guess the competition for service in the insurance isn't high. Show details

I have just purchased my house insurance with Budget ins, my daughter compared insurance companies and I was happy, very easy to understand, staff online very helpful as I am 80, so thankyou so much. Show details ·  1

I took a H&C insurance with Budget Direct, with this insurance, at the time, a $50 gift card was part of the deal, that was supposed to arrive 3 weeks after taking and staying with Budget Direct. I did not receive the gift card, I sent an email to… Read more

Budget direct asking when it was coming.Their answer was for me to prove that there was such an offer, I could not do it as the offer had run out. I sent more emails which have been ignored. Sounds like promises that will not be kept. Typical!

Very easy online service, with help available over the phone or via messaging. Almost unbeatable on price for level of coverage. Highly recommend to compare their prices and service, excellent in my opinion. Show details ·  1

I’m happy to save some money with I compare as Budget came up the cheapest however I don’t know if I got the discount that has been advertised lately with Budget Direct Show details ·  1

Just spoke to Chris from Home Service . He was very knowledgeable, tackling my home insurance questions in a very professional manner. . Chris would have to be an asset to Budget direct. Wish there were more people like Chris at Budget who take there Customers concerns so seriously. Thanks Chris. Budget insurance should have more people like you. Show details ·  1

Stay away from these excuse making crooks. Took 5 months to do anything other than call me 30 times asking for the same info already provided or discussed. I ended up printing out 100-140 photos to send express via post because they “apparently” couldn’t see the photos. They then denied me 5 months later saying I never added a causation report… Read more

yet this was discussed over 6 times with budget direct, 2 different builders, and 10 different people on 10 different calls, I believe they are trained to make you “give up” and “perplex you” to the point you give up. Stay clear of these gooses! Their job is to find reasons to not pay you out!!!!

I had a tree fall on my shed in July 2025, it has only just been completed now, I started my claim and paid my excess to only then have a phone call and was told I was in a flood area and would need to speak to someone in regards to my policy, I laughed cause where I live never flooded, the got transferred 40 min later, then lady had no idea what… Read more

the other lady was on about, so wasted my time there, the several weeks later had people to finally come remove the tree and someone dismantle the remaining shed, the found the tree was connected to the other tree we had so they were classed as one tree, several weeks on tree loppers come back out and then destroyed my yard with heavy machinery which was not told about and then dropped the tree on my concrete slab where the new shed was to be built, I never had any phone calls for the insurance company or company the hired to manage the claim to let me know anyone was coming out people just showed up at my door after repeatedly asked to be called, then several months to find someone to remove the old concrete slab and lay it down as the company they hired to over see it wouldn't do anything about it, then the insurance company was trying to pay me out of the whole job and I refused, then I received a email saying my premiums were going up to nearly double what they were when speaking to the case manager about this saying this doesnt sound right and can they do something as this has been a nightmare of a claim i was told nothing they can do but put a complaint in which nothing come of. November 2025, we had quotes for a new shed and concrete and that kept getting declined as they were saying the shed wasn't the right size etc, so I had to say to them that these are the experts you hired and your doubting them, by this point I was fed up, I advised them a decision had to be made otherwise I was going to the ombudsman and getting a letter of demand from my lawyer, 24hrs later had approval, nothing happened from then till mid January when concrete slab finally got poured and then a month later the shed got built, then took another month to have the rubbish taken away that was left behind scraps of metal and that from the shed builders, this has been a nightmare of a claim and over 7 months to have a back shed built, because these gum nuts cant get stuff done in timely matter, or hire people who damage your property. Will not be renewing my policy at all and have advised others to not even look at these guys.

I recently had an extremely disappointing experience with Budget Direct regarding a simple ceiling damage claim caused by a heavy hailstorm. Instead of providing support, their team demanded that I begin major maintenance work within 30 days before they would even proceed with the basic ceiling repair. This requirement is completely unreasonable… Read more

and unlike anything I’ve experienced with any other insurer. For context, I was previously insured with Allianz for three years and had the exact same ceiling issue due to storm damage. Allianz covered everything without unnecessary complications or demands. Budget Direct, however, has made the process stressful, confusing, and unacceptable. This was not a faulty claim, nor was it a scam. It was straightforward storm damage — yet I was treated as if I needed to prove something beyond common sense. I switched to Budget Direct because their premiums were cheaper, but now I deeply regret that decision. The customer service, claim handling, and overall process have been far below industry standards. I will not be renewing my policy when it expires. If you value smooth claims, fair treatment, and reasonable processes, I strongly recommend thinking twice before choosing Budget Direct.

0 STARS!!! The absolute worst insurance company I have ever dealt with. I honestly don’t have one positive thing to say. 3 months on from lodging a claim and still nothing. Constantly told I’ll get a call back because somehow every time I call no one is available. Yet, no one ever calls back. They like to advertise about all the awards they have… Read more

received.. what an absolute joke that is.

Nothing but ongoing stress and continuous disappointment. DON’T RECOMMEND!

The policy was good value and easy to establish. I’ve been with Budget Director for several years. I was supposed to receive a gift card when I signed up to my life insurance policy. But it never arrived. Show details ·  2

Budget direct put up barriers to canceling their service. You cannot cancel the policy online. You’re forced to call them and you’re forced to sit through the garble of legal nonsense and other nonsense while you’re on hold waiting for somebody. While you’re on hold, you’re being directed to the website. All designed to deter you from cancelling… Read more

the policy. I’m still on hold, wasting my day off, thanks Budget Direct. I will not use Budget Direct again.

This company is pathetic, it has been over 4 months and they still haven't finished an assessment on my hail damage house. My case manager is beyond lazy and doesn't do her job that she is paid to do. I live in the Brisbane CBD so apparently is super hard for them. I am only staying with them until I get my insurance money and I am going else where I would you suggest you do the same if you value customer service. Show details

I was extremely gratedul to the Budget team member that assisted me through aquiring my policy. It turned out to be easier than I thought it would be. Thanks Budget Direct. Show details ·  1

Honestly, it’s not worth the hassle going to BD. They won’t assist or advise you unless you pay the excess, even when the issue isn’t your fault. Just feels like a waste of time. Show details

I wonder someone would rate this as 5 star. I took the policy from so many insurance companies before but this company will charge you money if you cancel policy in between even if you would have sold the house. It happened to my colleague last time with another company and they advised to provide the evidence and refunded the full amount. they… Read more

charged me $101per month, the account was debited on 23.12.2025. I cancelled the policy on 28.12.2025 got $4 refund. and for previous month $0 refund

The young salesperson was very polite, patient and helpful. The policy was good value and was set up within a short time. My overall experience was very positive and will be transferring other policies over as they become due. Show details ·  1

I made my first claim to Budget Direct on 2 December 2025 following being hit and run by a car on my bicycle and having been a customer for 7-8 years. It is now 10 January 2026 - over 40 days later - and there is still no closure or payment on this claim. I have sent about 7-10 emails to the company and phoned about 5 times. I have received no… Read more

response to any of them except one email and an attempted call on 30/12/25 after I threatened to leave public reviews. In the email on the 30th, Budget confirmed my bicycle is a write off and they would pay me out, however, have not communicated how to get the pay out, nor paid me since. I have sent 3 emails since with no response. This matter is still outstanding. As a result of the incredibly poor experience and communication I am reconsidering all of the policies I have with them.

Information was clear and using the site was easy. The product was good for me as it gave me approximately a $500 discount for paying yearly up front as opposed to monthly. That's why I switched, my existing insurance company was charging the same monthly but wouldn't give a discount for upfront annual payment. Show details ·  1