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DON'T DO IT - you can't anyway if you live in Pimpama
We have been insured for two years with Budget Direct for House and Contents Insurance the first years premium was $1284.82 (very reasonable), the next year it leapt to $1919.76 (basically a 50% jump) this year they have sent a notice saying they won't renew our policy at all - when I called for an explanation, the reason I was given was because Pimpama is a high risk area, and no policies will be renewed from that area. We are not in a flood prone area - survived Cyclone Debbie without any flooding. We do not have a high fire risk - (I guess t...hey won't cover half of NSW or VIC either) with only a small area of native area that a garden hose would control!! We have never made a claim on the policy - but apparently too many people in Pimpama have!!! If you are deciding whether to use them - my advice would be - DON'T!
I have House and Content Insurance .with Budget Direct.. The reason I went with them was because they were cheaper than. my last insurer ..However its the Big mistake.. I ever made..
I tried to make a claim on my Solar Power Inverter ,,which packed up ..and cost $1500 .to replace.
I was told by they Claim Team I cant claim because the Inverter is to old .. where does my new for old Content .insurance come into operation? I am so frighten now that if my property should burn down what will I be allow to claim...
by careful. with Budget Direct...Cant wait for the policy to end.
I was told my claim would not be approved so I didn't waste time in filling out a claim form This is what I was told by the Claim Team
please be careful
Very hard to deal with. Only nice to you when they want something out of you
Policy is a waste of money, only good for 12 months. I only picked it because of inexperience I needed one to get over my finance. it was the cheapest at the time & now I know why its the cheapest. It is not worth it. If you're looking for one, look somewhere else. Property manager think they're very hard to deal with.
House burnt down they won’t pay a cent
Our home burnt down in December. We lost everything. They rejected our claim. We engaged lawyers and have spent $20k fighting this so far.
They refuse to pay out our policy.
They are scumbags.
Terrible service made a claim 3mths ago and still waiting. Feel like I’m running around in circles So bad
My roof is full grey with the blue tarps they have put on roof months ago and they are telling me my roof needs maintenance. The photoS they sent me shows a brown roof which isn’t my roof and the other photo with the car in the background half of that photo is my roof the car photo. The cracks, I think they are taking about is the join from my gutter mesh to the roof tiles. It’s no crack it’s just the join of the gutter mesh to roof tiles. All I want is my roof fixed as it’s damaged from storm. A roofer told me our whole roof shifted in the storm Budget don’t want to pay.
Do not use Budget Direct!
It has now been over a month since I made a claim, terrible service throughout and after all this I have been told my claim is rejected. This could happen to you! My experience: 6 weeks ago, most houses in my flat street flooded due to a storm event. Every other insurer has paid out except Budget Direct. The assessor from Budget Direct came out and said my claim would be covered. Restorers came out and said not to use the air conditioner and that inside and outside furniture or anything porous like rugs should be thrown out because it has been...flooded by contaminated water. That all made sense and is what happened to neighbours too, but Budget Direct are now refusing to pay out. They have used a loophole to say there was a building defect in one room's floor level because they found it is a few cm below the pavers outside. We had at least 22cm of flooding so regardless of this, our property would have flooded. In addition, when the assessor told me about the floor level he said there is no way I could have known that room was not built to building code and that I have done everything right by getting a building and pest report upon purchase. The assessor even said to me in person that the insurance would be paid because I am at no fault. There is also damage to outside furniture/ electrical equipment from the flooding but Budget Direct just said they will close the claim. I will now have to take this further, meanwhile my neighbours who are with AAMI, RACQ etc are already getting their houses repaired. My advice is don't use this insurer.
Extremely BAD service !!!
Absolutely fuming that they have refused to renew our home insurance but will not give me a reason !!! We have never claimed a cent through insurance in the nearly 3 yrs we have owned it and they will not tell me why we are now all of a sudden un-insurable ?????????? DO NOT TRUST THIS COMPANY
Cheap but Impossible to claim on Food Spoilage
Join last December because its cheaper option. Cancelled today because I can't even claim a food spoliage. Lucky this happen otherwise I gonna regret moving my 2 car Insurance to budgetdirect. This is a good test if insurance claim works.
Absolutely terrible! Avoid at all cost!
Do not choose Budget Direct! My neighbour's old Queenslander burnt down 8 weeks ago killing her. My neighbouring property suffered asbestos contamination and smoke damage. They declined my claim because there was no flame/fire at my property. $30k contents rejected twice and offered me $2k. Disgusting! Budget Direct made a traumatic experience worse. Shame on you.
Horrible experience with claim advisor Julie
I had home and content insurance policy with budget direct and been paying them all the while but when wanted to claim, the experience was horrible. I sympathise with those who get in touch with the claim advisor with the name of Julie.
She does not listen to the customers and badly needs some training. was always in a hurry without listening to me. Spend 2.5 hrs with 4 different calls and a promise from their customer service agent that the claims manager would call back. Didn’t receive any and when I contacted back guess what, I got connected to same Julie and my horrible experience with her resumed.
This much to withdraw the claim and cancel policy.
Would never ever go back to budget direc
Very cheap policy which is why I signed up with Budget. Totally waste of money as they do not want to help you when you need to claim. I had an awful woman who over and over was saying that this doesnt make sense as though I was lying because the claim to fix a door was so expensive. She would not believe that the wind did blow the door shut causing damage. Clearly this was a young person who has no life experience or she has KPI's to reject claims. My front door is expensive as there is an automatic locking system which is why the quote to fix was so high. I ended up not being able to claim and cancelled my policy but still had to pay for the time I was with them even though they wouldn't cover me. Worst company I have dealt with.
Taking loyal customers for a ride
Just a brazen rip off, with annual price escalation off the scale.
For house and contents insurance on the same property with no claims and no customer initiated changes (they have their automatic and sneaky annual increases in sum insured), here's how the premiums went up for us over the past 9 years:
2012: $1175 = 7% increase on previous year
2013: $1260 = 7% increase on previous year
2014: $1365 = 8% increase on previous year
2015: $1460 = 7% increase on previous year
2016: $1600 = 10% increase on previous year
2017: $1770 = 10% increase on previous year...
WARNING! Read reviews! Everyone that tries to make a claim is denied!
Why are people giving 5 stars that haven’t even tried to make a claim? Do you review a car before you drive it? No. Long story though basically they’ll do everything possible to get out of paying a claim.
My house flooded upstairs from a balcony drain getting clogged causing the floorboards to get damaged. They send around a dodgy “builder” who acts like your best mate and then claims the balcony is defective, that’s funny because I’m a builder myself and I’ve lived here for 7 years through plenty of heavy rain and it doesn’t ever come even c...lose to flooding or hold any water whatsoever, just happened this time I was away for the weekend and the drain blocked. If I argued with them or took budget direct to the ombudsman I’m sure the claim would of went through though at the time I had a lot going on and didn’t have the mental capacity to deal with it, which is what I’m guessing they bank on. If you do lodge a claim be ready for a fight is all I can say, they’re cheaper for a reason...
Reduced inclusions and significantly increased policy cost
After a few attempts of speaking to someone - finally spoke to someone who was able to tell me that as we had a discount on policy last year we couldn’t this year ( been a customer for 6 years ) stated that the new customer discount for both policies were 30% off and this had already been applied hahaha - imagine how much it would have been increased then - we are good customers who pay on time and I will be taking my business elsewhere ! Poor communication form service team as well online and returning phone calls !
False advertising. Baiting clients and wasting your time.
The online quote was $980pa and included disclosure of 1 claim ~ 5 years ago. Quoted $980. On accepting the quote they added $307 for updating claim was 1 broken window 5-6ya. I asked what would have kept the premium at $980.... Nothing. Wow! They tell me they’ll forward my complaint to senior management but admitted quotes are always increased when you put in the details. What a waste of time. Rename?? Budget InDirect!
Refused a quote in Canberra
Went online this morning to get a quote on household and contents insurance . Enered my postcode, message was, will only provide quotes for cover starting from the 4 March. Disgraceful.
Disgusting, DO NOT HIRE THIS COMPANY!!!
They will find a way not to cover the damage, they are fantastic at taking your money, yet horrible at backing you up.
Do not hire this mob of cowboys, not worth it!
A sneaky 30% increase
30% increase ($1260 to $1620) where I have made no claims in a year. It's a sneaky increase, and they put you on another 12 month contract. I can take the 30% increase, or I can take the 12 month contract extension, but not both.
Budget Direct are increasing my house and content insurance by 30%. Nothing has changed for this to happen. No claims made either. They can’t give me any valid reason or explanation. Has this happened to anyone else?
Absolutely Disgusting Service
Budget insurance solutions teams are too slow. They lies over and over for any process. Absolutely Disgusting service. They are less than 1 STAR SERVICE. Forget about AAMI, NRMA. I couldn't even compare them with Woolworths, Coles, Bingle and Progressive Insurance. They are super delay for any process. If they even offer you any discount gift card and other offered DO NOT take them. Any Claim processed are disgusting and Don't even Follow their own guidelines. So, be aware and careful with Budget Direct Insurance.. If you have policy with them. I strongly recommend you to cancel the policy and Switch with others . Thank You All.
Huge Premium Increase on First renewal. any one else had same? no claims made.
we insured our brand new house with Budget Direct after much research (perhaps not enough?).
initial premium was $721.80
No claims have been made.
first renewal - the premium has been increased to $1082.00
Thats a 49.9 percent increase which feels like a scam to me,
anyone else had a similar experience?
I am taking this matter to Choice, but would appreciate any comments. ...we have cancelled our policy and will look elsewhere. Interestingly - The vast majority of 5 star reviews on here are from people who have never made a claim but are very happy about how pleasantly and efficiently Budget Direct took their money (premiums)Try reading the ONE STAR reviews. The people who made a claim or got massive increases in their second year premiums. Focus on how well they perform when insurance claims are made - not how nicely they take your money!!
Think you have home insurance but it's actually void
The only true value of an insurance policy is when you make a claim. There are lots of positive reviews here about this company, mainly based on the ease of getting a policy or the cost. The reality of Budget Direct is that the questions that you answer online are ambiguous and deceptive, potentially leaving you uninsured. Don't confuse ease of getting a policy with how a company will behave once you truly need them.
Great at taking your money. Terrible when you need to make a claim
We bought a house recently and took out home insurance with budget direct. The house was burgled and stripped of its copper piping in the kitchen, bathroom and laundry. Budget direct cancelled our policy because we have an fibro cement sheet roof?! They left us stranded with an unliveable house and abandoned us when we needed them most. The online platform does not even have the option of ticking fibro cement sheet roof. Yet they will insurance a house with asbestos on the exterior walls. Absolute rip off. No amount of discount is worth the st...ress they create by cancelling your policy! November 24th 2019 Update: Worst insurance company in Australia Had a home insurance policy. Made a claim. They rejected it by finding a loophole. You ticked the wrong box on the website. Cheap but whats the point of having insurance with a company that refuses to pay for legitimate claims? Might as well not have insurance than have it with a company like Budget Direct
Excessive Premium Increase
I was with Budget Direct H&C since 2011 and Never had a claim. Last 2 years premiums increased from $1800 by 48% (which i should have cancelled) then 61% this year to $4635. I have now cancelled. when i queried this I got the standard response, something about algorithms.
Interestingly, after cancelled I did an online quote using the same information from my cancelled policy and it returned $1265 (cheaper than what is was back in 2012).
I called back to ask why the difference between a loyal customer and a new customer is over $3370. I asked...
Wasted 2 hours of my time.
Couldn't even get the insurance got a quote and from there it was non stop issues trying to complete. Fillef out all the forms, it took my credit card number and then froze online. Rang up and the salesman hung up instead of reading the product disclosure statement. Rang back again and after 2 hours wasted they put the price up. Forget it. Terrible attitude. Terrible service.
Questions & Answers
What percentage of claims do Budget Direct pay out in full for a house fire that fully demolishes the house.
Are property fences and retaining walls covered?
Hi Leo. Thank you for taking the time to contact us. Please feel free to email us at email@example.com, and we will be happy to provide further clarity on any questions you have. We look forward to hearing from you soon. Kind regards, Budget Direct.
I would like a quote to insure house and contents for a weatherboard house in cairns
I just went to budget direct.com.au and clicked the get a quote button and filled in the required information and a quote is emailed to you simple as that .
Hi Rosemary. Thank you for taking the time to contact us. Please feel free to email us at firstname.lastname@example.org, and we will be happy to provide further clarity on any questions you have. We look forward to hearing from you soon. Kind regards, Budget Direct.
Get an answer from our members and Budget Direct representatives
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