Budget Direct Landlord Insurance Questions & Answers

Good afternoon Kiera. Thank you for reaching out to us. I am happy to look into this for you. Please keep in mind the discounts that apply are 15% off for home contents only and 15% off for home building only, and 30% for home building and contents combined. So I can look into this for you, please email us at: social@budgetdirect.com.au with your policy number, date of birth and full address as listed on the policy including postcode. Take care. *Skye.

Good morning Stephen. Thank you for taking the time to ask your question. Yes! We will be able to cover both the home and unit under the one policy at the same address. You will just need to ensure that when you are doing up a quote with us, the sum insured value is for both the home and unit's total value. If you are also wishing to add additional landlord cover to the policy, when asked "What is the total weekly rental income" the total will need to be for both the home and unit income combined. Take care, *Skye.

nothing unusual for budget direct, says it all really, keep away from them!

What power has Promuctreview to help us and other vulnerable clients conned by Budget Direct? Please help us .Carmen.

So should we really answer these BD personnel who tell us to give them all our private details ? Are they True BD wanting to help us or just trying to procrastinating our claim to be OKed.

Hello Carmen. I'm sorry you are disappointed with us and can understand your frustration with this. When we received your information it is forwarded to the relevant department for further follow up for you. If you have not received any contact from them as yet I can investigate this further. In order to do so we need your information and due to security we don't request this via a reply and instead ask you to email us directly. Therefore, please email me at social@autogeneral.com.au and once this is received, I can raise a complaint on your behalf to have this investigated further. *Eve

Eve, what a waste of time! I had already given you my details, Why should I repeat the same and you do not give me any answer! No, I have not heard from BD. Only a call at night from Johannesburg telling me that if our unit remains empty, as it is being repaired after the damage; BD is threading us to double the access! Claim still defined! What a rip off of a bad home insurance! Stay away from such a bad insurance!

I would really like to help move this along for you. Whilst I understand you have emailed us previously regarding this matter, this is with our claims team therefore, I can't view this. I would like to urgently have this escalated for you. In order to do so I would need your details again. I am sorry for the frustration with this. *Eve

Hello Carmen. I appreciate you providing further information and am sorry I did not advise what department I am from. I am part of the Digital Communications team therefore, review all social media platforms such as this site. I am based in Brisbane though we do have an office in Johannesburg for afterhours support for other departments such as claims.

Due to security we don't request your details via a reply and instead ask you forward a private email to us. Please email me at social@budgetdirect.com.au with your details including your policy number so I can forward it directly to the relevant department noting the urgency of this situation.

I would also recommended your last post be deleted as you have entered personal information. I look forward to hearing from you via email so I can help further. *Eve

Eve. We had a very bad time with BD yesterday. We had an sms from BD saying they had been trying to get us but we did not answer. We nowadays get spam unknown calls and do not answer them. Why is it that BD always change phone numbers which come to us clients as spam? When I answered the phone number they gave me , I came to SA and Lydia kept me on the phone for over 45 minutes with irritating BD ads. After that she said that she could not get my assessor in Brisbane and promised that my Brisbane assessor will contact me today around 10am Sydney time. What an organised disorganisation BD! This is so unprofessional on the part of BD and very stressful to us clients! If only BD uses their energy in servicing us clients and not just trying so hard to decline our genuine claim! I will contact AFCA again today!

Hi Carmen, thanks for taking the time to provide your additional feedback. I am sorry to read you have been disappointed with our service. I have forwarded your response to our Claims Team for further action. Thanks. *Ruby

We are still very disappointed by BD as they are very deceitful with clients who put in a claim. We will be cancelling our policy as well as other policies we have with them. Very disappointed!

Hi Pratap, thanks for reaching out. It's great to read you're considering us for your insurance needs. We cannot complete a quote on your behalf via this forum. The quickest and easiest way to get a quote is to head to our website homepage and click on the link relating to the type of cover you require. Every insurer has guidelines and acceptance criteria that must be met to be eligible for insurance. You would need to complete a quote in full to determine if the cover is acceptable. If during the quote you require further assistance, please free to select the chat button at anytime. Have a great day! *Ruby

Hi Taso, thanks for contacting us. Our underwriter is Auto & General Insurance Company. Auto & General Insurance Company is an Australian Insurer authorised by the Australian Prudential Regulation Authority (APRA) to conduct insurance business in Australia. Auto & General Insurance Company underwrites policies for Auto & General Services. Auto & General Insurance Company is part of a group of companies that have over 20 years combined experience in the Personal Lines insurance business. Thanks! *Ruby

Ok, thanks for that. I was hoping it wasn't them.

Good morning Vicky, thank you for taking the time to contact us. When completing a quote with us, the underwriting review will consider specific factors including claims history. It also confirms other factors such as location. To confirm this reasoning for you, please feel free to email us at social@budgetdirect.com.au and include your quote number, full name, date of birth, full address (including postcode) and mobile number. With this information, we can check the quote declined reasoning for you. *Cameron

Hi Scott, thanks for reaching out. Under our insured events policy you are covered for loss or damage to your insured home and contents caused by fire, including bushfires and grassfires. Fire is defined as burning by flames. As every insurer is different it is always recommended you review the insurers Product Disclosure Statement​ to check any limits and exclusions that may apply to this insured event and to the whole policy. Have a great day Scott! *Ruby

Good afternoon Peter. Thank you for getting in touch regarding your quote and the cover we can provide. We are happy to assist with confirmation of the cover we offer via our Live Chat facility online from our website.

Alternatively, please feel free to email social@budgetdirect.com.au with your quote number and questions for further assistance. Enjoy your Easter long weekend. *Eve

BUDGET DIRECT! I couldn’t see 1 happy customer since I have been reading all claim reviews.Seems your premium might be a bit cheaper than the others and customers are all happy until they make claim.?! Instead of just telling them “contact with us”,can you just a bit explain why you don’t have a happy customer here who made their claims and resulted successfully?? Is all these negative reviews are coincidence?

Thanks Potential Customer:)

Good morning John. We appreciate the time you have taken to provide us with your feedback. We do have multiple public forums for our customers to get in contact with us and voice their feedback, however, social media does tend to be the most public of these forums. Generally speaking, we find that the feedback received on social media tends to be either very positive or very negative as customers will tend to only leave feedback if they feel very strongly about their experience. Despite this, our research shows that 94% of existing Budget Direct customers would recommend us to their friends and family. These figures indicate that whilst reviews left on social media can appear to be negative, the customers who leave these reviews are in the minority.

You're welcome to see more reviews online by clicking here: external link . These Budget Direct Insurance reviews are collected, moderated and managed by Bazaarvoice, a leading independent ratings and reviews provider. Take care. *Eve

Good afternoon, thank you for taking the time to contact us. As part of our Home and Contents insurance, Escape of Liquid is one of our insured events. To ensure that this is covered, please contact our Home Claims department. They are available via the online chat service available on our website at external link . *Cameron

Good afternoon Dianne. All details of the cover we can offer is noted within our Product Disclosure Statement which can be located on our website. Your policy would cover all Insured events as the cover is only for certain circumstances for tenant rental default. We are happy to assist with any queries you may have via our Live Chat facility online from our website. Alternatively, please feel free to email us at social@budgetdirect.com.au with all your questions and we can provide further clarification. Have a great day. *Eve

Hi Aquitania, thanks for stopping by to ask the question. We do have a large number of reviews from customers who have had a claim. We agree, it's great to have a variety of customer feedback to ensure a great balance. Wishing you all the very best. Budget Direct.

My thoughts exactly. I can't see any reviews about the claims process. I personally don't trust 5 star reviews without a long explanation why it is 5 stars. With insurance it all comes down to what happens when things go wrong, not the price you pay for premiums and how good their sales team is.

Same here. It's all sounding very suspect that there are soooo many 5 star ratings by people who have only done the sign-up. Interesting that the few that have made claims are very not-5 star.

Hi Dee. Thank you for taking the time to leave your feedback. Please feel free to email us at social@budgetdirect.com.au, 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.

Hi Maree. Thanks for reaching out. Please feel free to email us at social@budgetdirect.com.au and we will be happy to look into this for you. We look forward to hearing from you soon. Regards, Budget Direct

Crap! review all is 5Star selling. Where is the review when you claim? HIDE????

Thanks for your response Judith. Customers can leave any reviews on this site. You can find more reviews about our claims in our website. Regards, Budget Direct.

Hello Peter, what you have stated is correct. There’s an option to cover items such as malicious damage by tenants, it costs a bit more but mandatory of course. Overall still competitive, albeit a bit sneaky of them to make this an option when that’s really the crux of landlord insurance.

Thanks for the confirmation Arnold. I've phoned them this morning and they have confirmed that, if you want the full Landlord cover, you need to pay extra. In my case the revised quote for full landlord insurance was $600 more than their initial quote. They would save their potential customers and staff a lot of wasted time, not to mention their own reputation, if they made their initial quotes much clearer about the omissions.

Yes landlord home ins covers the bldg, and excess options can be made once you commence the quotation process

Landlord insurance is specifically for the landlord of a rental property. Home and contents is for your own residential property.