We're committed to offering our customers simply smarter insurance. But what exactly makes us a simply smarter insurance company?
Smarter prices for lower risk customers
Our underwriting system is one of the industry’s most sophisticated. It actively rewards lower-risk customers with better prices. By focusing on the low-risk sector we keep our costs low, which in turn helps us keep our premiums low for you.
So if you’re a good driver, or your home is in a low risk area, we could save you money.
Award-Winning Insurance with Outstanding Value
When you’re shopping for insurance you are no doubt looking for the best value for money – low premiums which don’t compromise your level of cover.
Time after time when independent experts compare Car and Home Insurance, Budget Direct takes home the awards. Budget Direct has won Money magazine's Insurer of the Year award again in 2018 (we also won this prestigious award in 2017, 2015 & 2010). Also, Budget Direct is the only provider to have won the coveted CANSTAR award for ‘Outstanding Value Car Insurance’ every year since 2007. Recently adding the 2018 CANSTAR national award to its long list, that's 12 years in a row! Plus we won the 2016 Mozo People’s Choice award for our Home Insurance products. You can read more about our awards here.
Everyone has different circumstances and different needs. So why try to crowbar everyone into the same insurance policy? We let you tailor your insurance policies so you get the cover you need at a price you can afford.
Flexible Payment Options
We're making paying your premiums as simple as possible by providing you with a wide range of options - you can pay fortnightly, monthly or annually and you can choose from a range of payment methods, including Direct Debit, Credit Card, and now PayPal+, it couldn't be easier.
Quick and easy claims service
Sometimes the thought of filling out all the paperwork for a claim can make you think twice about even filing one. That’s why we’ve eliminated as much of it as possible so you can file your claim quickly and easily.
Rewards for existing customers
Ever noticed how some companies focus more on getting new customers than looking after their current ones? We have, and that’s why we look after our existing customers with great deals and benefits. Check out the benefits here.
Budget Direct Buddy System
We’re the only insurance provider in Australia to offer a referral system that rewards customers and their friends with $50 each when their friends switch to our Comprehensive Car Insurance or Home & Contents Insurance. It's also the first (and only) system that lets it all happen by phone, online and via social media. Find out more about our Budget Direct Buddy system here.
Hail Hero. Another Award-Winning Innovation
Our very own hailstorm tracker will send you a text message if there’s hail heading your way, ideally giving you at least ten minutes to get your car under cover. That means fewer repair bills for us, and lower premiums and less hassle for you.
Our Hail Hero invention has won three major awards for innovation:
- Australian Business Awards Product Innovation of 2012
- 2012 Australian Insurance Industry Award
- 2013 Canstar Award for Innovation Excellence.
The Hail Hero service is free to all Budget Direct customers, and we're the only insurance provider in Australia to offer this service.
A 60-Second Car Insurance Estimate on a Mobile Phone
We're the first Insurance provider in Australia to offer a 60-second Car Insurance Estimate from a mobile phone. We specifically designed an estimate system so smartphone users could get a quick and simple price estimate on the go.
Multi-Award-Winning Contact Centres
In the past five years our Queensland-based Contact Centres have twice won the “Large Contact Centre of the Year” award from the Australian Teleservices Association. The award covers all industry categories, and is recognised throughout the Contact Centre industry as the pinnacle achievement.
Here are some of the reasons our Contact Centre operations are the smartest in the business:
- Whenever you call back, your calls are routed to the agent you last spoke to whenever possible.
- If you call within the month of your policy renewal, we prioritise your call and ensure it's answered by an agent skilled in our policy renewal process.
- If you miss a payment and we have your mobile number, we’ll alert you via SMS so you can avoid any late fees.
- Our conversations with you are recorded to give you peace of mind for the duration of the policy.
- We're the first insurance provider in Australia to let you set up a direct debit to pay for your car insurance over the phone without needing to fill in any paperwork.
Other Smarter Policy and Smarter Service Differentiators
- We're one of the only insurance providers in Australia to offer the choice of yearly, monthly or fortnightly payment plans to suit your payment needs.
- Our policies come with a 21-day cooling off period.
- Our policies come with a lifetime guarantee on all repairs we authorise.
- We're the first insurance provider in Australia to offer a live online chat help system across our Online Quote & Sales systems.
- We were one of the first Insurance Providers to provide Customer Service Support via Facebook/Twitter/Google+.
- We now offer one of the industry’s most advanced Online Policy Manager Systems, in case you'd rather manage your policies via the Internet.