^ Online Discount and Combined Discount Terms and Conditions

Effective for new policies quoted on or after 20 August 2026.

Online Discount

  • An online discount of 15% for the first year applies to the premium for a new policy that is purchased or Quoted Online (Online Discount).
  • ‘Quoted Online’: The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.

  • The Online Discount is available for the following types of policies:

    • Car insurance: Comprehensive, Third Party Property Only, Third Party Property, Fire and Theft
    • Home insurance: Combined Home and Contents, Home Building, Contents
    • Motorcycle insurance: Comprehensive, Third Party Property Only, Third Party Property, Fire and Theft
    • Pet insurance
    • Travel insurance
  • If a customer makes amendments to their policy during the first year requiring a recalculation of the premium payable, the Online Discount may not apply from the date of any such amendments.
  • The Online Discount does not apply to our Roadside Assistance product where that product is purchased in conjunction with car insurance.

Combined Discount

  • A discount of up to 15% for the first year applies to the premium for a new combined Home and Contents policy if purchased in a single transaction (as opposed to purchasing separate policies for each) (Combined Discount).
  • The Combined Discount does not apply if a customer purchases a standalone Home Building only or Contents only policy and later adds the other cover type in a subsequent transaction.
  • If any amendment is made to a combined Home and Contents insurance policy (other than the cancellation of either the Home Building or Contents cover) in the first year, the Combined Discount percentage that will be applied to calculate the amended premium will be the same as the Combined Discount percentage that was applied at policy inception.
  • If either the Home Building or Contents cover is cancelled during the first year, the Combined Discount will no longer apply to the premium on the remaining cover for the balance of the first year.
  • The application of the Combined Discount cannot take the premium for a combined Home and Contents policy below the premium, plus $5, that would apply to the Home Building insurance or Contents insurance policies if purchased separately.
  • A customer purchasing combined Home and Contents insurance can obtain the benefit of both the Online Discount and Combined Discount if the terms and conditions for both those discounts are satisfied.

Conditions

  • Discounts are for the first year of a new policy only. They do not apply on renewal. Existing customers are not eligible for the discounts if they seek to take out a new policy for an item that is already insured with us rather than renewing their existing policy.
  • Discounts only apply to the insurance portion of the premium. They do not apply to government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted.
  • For some of our products there are minimum premiums that apply. Any discount a customer may be eligible for may be reduced if it would have the effect of reducing the final premium to below any applicable minimum premium level.
  • In some cases, rounding processes might mean that the actual discount that is applied is 1c more or less than the exact percentage that is represented.
  • Discounts may be withdrawn or changed, or the terms and conditions on which they apply varied, without notice. Any such withdrawal, change or variation will not impact policyholders who have already purchased their policy.

§ Life Insurance $100 eGift card Terms and Conditions

§Subject to the Terms and Conditions, the Promoter will provide each Eligible Customer with one (1) $100 eGift Card when they obtain a quote for one or more Budget Direct branded life insurance policies (Eligible Policy/Policies) during the Promotion Period and purchase one or more Eligible Policies based on that quote. To qualify, the Eligible Policy or Eligible Policies must have a total annualised premium of at least $400 at the time of issue. Where more than one Eligible Policy is issued under the same quote or application, the combined annualised premium of those policies may be used to meet the $400 threshold.

This offer is limited to one (1) eGift Card per Eligible Customer, regardless of the number of Eligible Policies held. The Promotion commences at 12:01am (AEST) 8 July 2026 and ends at 11:59pm (AEST) 31 December 2026 (Promotion Period).

To qualify, the Eligible Policy or Eligible Policies must be held continuously for 90 days from the date of issue, with premiums equivalent to at least three months’ cover paid in full with no amounts outstanding. The annualised premium must not decrease below $400 during the 90-day period.

Each Eligible Customer will receive an email containing a link to select a retailer and download their digital eGift Card within 60 days of meeting the Eligibility Criteria. This offer cannot be used in conjunction with any other offer.

The Promotion is not open to customers who renew, amend, or cancel and replace an existing policy for the purpose of participating in the Promotion. The Promotion is also not open to officers or directors of NobleOak or Auto & General or any of their Related Entities or Related Bodies Corporate, employees who are directly involved in administering, marketing or approving the Promotion, or immediate family members. See full Terms and Conditions. Promoted by NobleOak Life Limited ABN 85 087 648 708, AFSL 247302. eGift Cards fulfilled by Auto & General Services Pty Ltd ABN 61 003 617 909, AFSL 241 411.

‡ Standalone Roadside Assistance Online Discount Terms and Conditions

  • A 15% discount applies to the first year's membership fee paid for a new Standalone Roadside Assistance membership purchased or Quoted Online (Standalone Roadside Assistance Online Discount).
  • ‘Quoted Online’: The Standalone Roadside Assistance Online Discount is available to customers who obtain a quote online but purchase the membership via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.
  • This offer does not apply to Roadside Assistance that is added to, or purchased in conjunction with, a Car Insurance Policy.
  • The Standalone Roadside Assistance Online Discount offer may be withdrawn or changed, or the terms and conditions on which it is applied varied, without notice. Any such withdrawal, change or variation will not impact members who have already purchased Roadside Assistance.

Emergency Action Plan

1. Prioritise Your Safety

  • Turn off your car’s ignition, activate the hazard lights and move off the road
  • Make sure you and those around you are safe, and check for any injuries
  • If it is an emergency call triple zero (000)

2. Should I drive my car?

After a car accident or another type of incident, you should only attempt to drive your car if it's in a safe condition.

You should not drive your car if:

  • Any of the airbags have deployed
  • Any fluid (including petrol or radiator fluid) is leaking from the car
  • Any of the doors, bonnet or boot needs to be secured to remain closed or are unable to be opened.
  • The steering has been affected, meaning you're unable to steer your car straight or around a corner.
  • You think it's unsafe to drive
  • If your car isn’t drivable, you can call us on 1300 885 996 and we can arrange to get your car towed.

3. Contact Us for Further Help

You should only attempt to drive your car if it’s in a safe condition. And if your car is not driveable, you can call us on 1300 885 996 so we can get your car towed.

Residents of Melbourne, Mornington Peninsula, Geelong and Adelaide are required by law to call an ‘allocation centre’ or ‘centralised operator’, who will arrange to get their car towed.

Before it’s towed away, you should remove any personal belongings from your car, as long as it's safe to do so.

Financial Hardship Support

If you need financial support, please let us know. We assess financial hardship applications on a case-by-case basis to support customers who are unable to meet their financial commitments.

Professional Support

Recovering from a claim event can take time and you don’t have to do it alone. There are free, independent and professional organisations (many available 24/7) that can offer support. A list of organisations is available on our customer assistance page.

Contact Us

No matter whether it’s online or over the phone, you can contact us 24/7.

Claim Online

You can notify us of your claim online and we'll call you if we need further information.

Claim online now

Chat With a Team Member

Chat with a member from our claims team on Monday-Friday from 7am-8pm AEST and on weekends from 7am-4pm AEST.

Chat with us now

Call Us on 1300 139 591

A friendly member of our claims team will assist you over the phone.

Call us now