Smart Policies
Get Smart. Tailor Your Policy to Suit Yourself
We've all got different needs and priorities when it comes to insurance - and home and contents is no exception. That's why our policies have smart policies options - a smart range of home & contents options that let you adjust your policy to suit your individual insurance priorities and maximise savings.
Personal Effects Cover*
When you have a Contents Insurance policy with Budget Direct, you can choose to take out our Personal Effects Cover. Our Personal Effects cover will insure you for accidental loss or damage of your personal belongings anywhere in Australia and New Zealand, and anywhere in the world for up to 30 days after your departure from Australia.
Limits and exclusions apply.
Motor Burn Out*
You can choose to take out optional Motor Burnout insurance, which covers you for loss or damage to electric motors in the home. If you choose to take out our Motor Burnout cover, we'll also pay for spoilage of perishable food in your refrigerator or freezer as a result of motor burnout.
Limits and exclusions apply.
Accidental Damage*
With Budget Direct, you can choose to take out cover for Accidental Damage. Accidental Damage cover will insure you for accidental loss or damage to your home and contents as a result of an accident which occurs at the insured address.
Limits and exclusions apply.
Adjust Excess to Reduce Your Premium
You can also choose to adjust the amount of excess you pay on your home & contents insurance to reduce your premium even further.
* Additional premium applies
Please read the product disclosure statement for full terms and conditions, and to find out more
