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Budget Direct Home & Contents Insurance

Budget Direct Home & Contents Insurance

3.9 from 1,789 reviews · View Statistics
Listing monitored by Budget Direct

Reviews

  • Value for Money
    1.3 (163)
  • Transparency
    1.2 (160)
  • Customer Service
    1.3 (167)
  • Claim Resolution Time
    • <1 week (2)
    • 1-2 weeks (5)
    • 2-4 weeks (3)
    • 1-2 months (21)
    • 3+ months (36)
  • Claim ApprovedYes (13) · No (65)
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Iris Wang
Iris WangSydney, NSW

Bad experience with Budget Direct

published

The policy purchase was easy but you only feel pain when start to claim. I bought the home insurance with building insurance. But when I claim they said the roof is not insured.

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Brad W.
Brad W.Greater Melbourne (Outer), VIC
  • 2 reviews
  • 2 likes

Appalling Customer Service

published

After many years of being a customer with Budget Direct, and having never made a single claim, my contents insurance was cancelled due to a missed payment following a credit card issue. These clowns refused to reinstate me on my usual pay by the month payment plan, but still had the nerve to refer to me as a “valued customer”. Spent a good 20 minutes being patronised by the customer service operator over one single oversight despite my many years of being a paying and no claim customer.

I’ve taken my business elsewhere. There is no shortage of other providers happy to cover me given my record.

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Nice and cheap, then it all went downhill.

published

Weeks of waiting for tradesman to come and look at water damage. Finally turned up unannounced and he insisted that my son let him in to look while we weren’t there. Didn’t even get up on the roof to see where the water was coming in then advised Budget Direct that it was due to a leaking toilet and we didn’t do anything to fix it. No option for us to argue the claim rejection even though an independent plumber fixed the problem and knew it was caused by storm damage. Had to pay the plumber, fix roof, ceiling, paint and carpet out of our own money. Nobody would listen to us or even look at a report from the plumber we used.

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Sam
SamGreater Melbourne (Metropolitan), VIC
  • 2 reviews
  • 1 like

Claim Process

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Very poor experience

published

Made an online claim but was never put through. Waited 2 weeks for someone to call and I had to call them. Their ‘professional builders’ that inspected my bathroom, stated condensation in the report. I gave them videos of water coming in before the report but wasn’t taken into consideration. Their resolution was to clean the mould and re paint the ceiling. Will do anything not to cover claims. Over 2 years I’ve been with budget direct. They offered me $1000 to resolve my complaint. I have canceled both my home and car insurance with them because all they have done is take from me

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sbk
sbkSouth East Queensland, QLD

never again. go with someone else.

published

been with them for years, with multiple policies, when trying to claim for storm damage they were absolutely awful. no communication, subcontractors turning up randomly, without doing anything and promising stuff that then doesn't materialise, dragged on for month without any resolution or communication from their side - read phone call after phone call from your side trying to chase an update, and also rude on the phone.
very efficient when they take your money, horrendous to deal with when you need them. find someone else.

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sbk
sbk

was told by one of your representatives, you do not have a complaints department, it just gets reviewed by a supervisor. I'm over it...

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Premium increase

published

Over the past 3 years my premium has increase from $1700 to $2400 to $6000!
Rang them to discuss and all the could say is that’s the new price of the policy. First customer service lady kept talking over me, 2 lady was much more pleasant and tried to help as much as she could. Ended up canceling my policy and went elsewhere.

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Next

They took my money but then told me my home wasn't insurable

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Leo
Leo
  • 2 reviews

Awful communication and absolutely pointless

published

House damaged after heavy rain. Submitted a claim which took Budget Direct 5 months to come to a conclusion which was to cancel my insurance.

Wasted my time with all the clunky delayed communications and four on-site assessments. The worst possible result which could have been handled much more appropriately. Now I am paying for damages out-of-pocket and trying to find a new insurer which will undoubtedly be double the price because of the cancellation.

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BGK
BGKQueensland
  • 2 reviews

Terrible communication and now a more than double the price monthly premium on renewal

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Melissa
MelissaNorth Western Region, NSW
  • 113 reviews
  • 67 likes

Consistent Mistakes being made on my policy UPDATE: Please read my update, it gets worse

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Melissa
Melissa

Hi Cameron
After much heartache and frustration of the last 4 weeks , it was finally sorted out today.
Regards
Melissa

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Dmitri I
Dmitri ISydney, NSW

Unfair assessment and claim refusal disregarding the evidence. IT CAN HAPPEN TO YOU.

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Jack
JackVictoria
  • 3 reviews
  • 2 likes
  • Verified

Don't purchase for LANDLORD insurance

published
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Jack
Jack

Eve - this post has been pending in "mediation" for 2 weeks and you did nothing about it. I have already supplied you the details as you requested 2 weeks ago. Why are you asking for this information again?

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Golden L.
Golden L.
  • 7 reviews
  • 4 likes

Good at taking your money, but not good to pay you back when you make a claim!

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Nazila Aghaie
Nazila AghaieSydney, NSW

Poor claim handling

published

The claim officers lie and lie and keep you wait telling you, we believe the builders underquoted and underestimated the damages to your home, that is why we need to re investigate to pay the right amount so you won't be out of pocket! but at the end they just killing the time and waste your time and refusing the claim. They have amended the original report from the builders/investigators/inspectors and re word it the way to reject the claim and not paying you. be careful who yo dealing with. they are the biggest liars i have ever seen as a professional company. not trustable.

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Nazila Aghaie
Nazila Aghaie

Too late!
U got my name, u can search it urself!
Just wait for more reviews! That’s the start!

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Page 1 of 10

Questions & Answers

Melissa
Melissaasked

I just found out that I'm not insured until they take payment even if my renewal was done 2 days ago, someone please confirm this, I contacted my bank to see why my payment hadn;t been taken yet and she told me until the insurer takes payment I am UNINSURED even if my renewal has been done. I need a answer from someone ASAP. Thank you.

3 answers
Budget Direct
Customer CareBudget DirectSend a private message
Melissa
Melissa

Hi Eve
Your reply has come to late !!! so don’t bother thank you.

Budget Direct
Customer CareBudget DirectSend a private message
Sare B.
Sare B.asked

Are air conditioners covered

1 answer
Budget Direct
Customer CareBudget DirectSend a private message
John Hesko
John Heskoasked

My contents insurance wat am I covert for

2 answers
GAYE J.
GAYE J.

If with BD virtually nothing. They will deny all claims and stall for over 6 months and then you need to go to AFCA which are funded by the insurance industry so on their side. You are better to get insurance with a better company

Budget Direct
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See all Budget Direct Home & Contents Insurance questions

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Details

In addition to Home & Contents Insurance, you can also get Home Insurance, Contents Insurance, Landlord Insurance, and Renter’s Insurance.

What do reviewers think of Budget Direct Home & Contents Insurance?

Reviews for the policy have mostly been positive, with the majority of reviews being 4or 5 stars. Among positive reviews, how easy it was to lodge an application online with Budget Direct was praised.

Reviewers also liked the patient and friendly customer service representatives who were there to answer all their questions and help them decide which limits they wanted. Those on this insurance also liked how they could opt out of things they didn’t need, such as flood insurance.

Some reviewers did mention that the claims process was lengthy, to both lodge and have a claim processed. There were also a few users who didn’t like the sharp increase in yearly premiums.

CategoryHome and Contents Insurance
Other Insurance Types Offered Car, Health, Home and Contents, Landlord, Life, Pet and Travel
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