You can cover your home for floods by taking out optional Flood Cover, which insures your home building and contents for loss or damage caused by flooding rivers, creeks, lakes, dams and other bodies of water.

Subject to underwriting, you can add Flood Cover to your home building and/or home contents insurance when you get a quote and buy a policy or – if you’ve already bought one – by calling us on your online account or calling us on 1800 182 310 or logging into your online account and editing your policy.

It’s up to you to decide whether to list the following on your policy:

• contents you want to insure for more than our benefit limit (where applicable)
• portable items you want covered when you take them with you away from your home.

You can list your contents when you get a quote and buy a policy or — if you’ve already bought one — by calling us on 1800 182 310 or logging into your online account and editing your policy.

Allowing us to assess the damage or loss is usually all that’s required to prove it.

If an item has been lost or stolen and can’t be assessed, we may ask you to provide evidence of ownership and value.

This evidence could include:

• purchase receipts
• valuations
• credit-card statements
• serial numbers
• owner’s manuals
• guarantee or warranty certificates
• photos or videos of your item
• product packaging.

If evidence is required to support your claim, please email it to homeclaims@BudgetDirect.com.au

If you’re selling your house and buying another one, you can:

• keep your current home (and contents) insured until settlement day – which generally occurs 30­–90 days after you and the buyer sign the contract of sale
• insure your new house when you and the seller sign the contract of sale but before settlement.

To insure your new house:

1. Log into your online account.
2. Click on the ‘Start a new insurance quote’ button.
3. Follow the prompts.

When the sale of your current home reaches settlement and you want to cancel the insurance on it, please call us on 1800 182 310.

We don’t insure strata title buildings, however we do cover their contents.

It’s up to you exactly when to buy travel insurance. However, if you purchase a policy on your trip after leaving home, this cover is subject to a 3 day no-cover period.

By getting Budget Direct Travel Insurance as soon as you’ve booked and paid for some or all of your trip, you can be covered for things like your pre-paid travel and accommodation if you’re forced to cancel your trip due to an insured event (for example, an unforeseen illness or injury).

(This is unless you have a Basic policy, which does not include cancellation cover.)

If you’re a frequent traveller with an Annual Multi-Trip policy, you’re covered for an unlimited number of trips (up to the maximum duration you choose) for 12 months to your chosen destination/s.

Before each trip, you won’t need to let us know where you’re going – unless your destination is not one you selected originally, in which case you will need to contact us or log into your online account to discuss your options.

Travel insurance can cover the financial costs of a wide range of unforeseen accidents or incidents on your trip.

Among the most important benefits provided by Budget Direct travel insurance are:

• Overseas medical expenses – $unlimited cover amount (for up to 12 months from onset of the illness, condition or injury) for the cost of unforeseen emergency medical and hospital treatment overseas if you become sick, ill or injured. “$Unlimited” means no dollar capped sum insured.

• Amendment or cancellation costs (up to the policy limit or cover chosen, whichever is the higher) – the cost of prepaid travel tickets, hotels, tours or other travel related expenses which are non-refundable in case you’re forced to call off or reschedule your trip due to an insured event (e.g. an unforeseen illness or injury). (Does not apply to the Basic plan.)

• Luggage and personal effects – the cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged. Limits and sub-limits apply. Depreciation may apply.

• Additional expenses – additional transport and accommodation expenses – over and above what you budgeted for – if your trip is disrupted or cut short due to an insured event.

For full details, including the terms, conditions, limits, sub-limits and exclusions that apply, please read the Combined FSG/PDS.

The cost of travel insurance depends on a number of factors, including your:

• Area of travel - higher risk areas cost more
• Departure date and trip duration - the longer until you depart and the longer your trip duration, the higher the cost may be
• Age - higher risk age groups cost more
• Travel Insurance Plan - an international Comprehensive policy, which provides more cover, costs more than an international Essential or Basic policy or a Domestic policy
• Excess - the higher the excess you choose, the lower the cost may be
• Cruise cover - an additional premium applies
• Cancellation cover - as an optional cover, you can choose your own level of cancellation cover and the more cancellation cover you require, the higher the cost may be
• Cover for existing medical conditions and pregnancy (where available) - an additional premium may apply if a medical assessment is completed and we accept your cover
• Upgrading to optional cover (where available) - an additional premium applies

Find out more and see how much it would cost to insure your next trip.

All Budget Direct Travel Insurance includes cover for a range of sports and activities.

Some adventure activities and snow sports may not be automatically included in the cover. Cover is available to buy for certain adventure activities, snow sports and motorcycle/moped riding. Please read the Combined FSG/PDS to learn more about which activities you’ll be covered for.

Please call 1300 792 001 or email budgetdirect@travelinsurancepartners.com.au

We insure a wide range of on-road and off-road motorcycles against accidental loss or damage, namely:

• road bikes
• scooters
• cruisers
• enduro motorbikes
• sports bikes
• dual-sport motorcycles.

No — Budget Direct does not insure motorcycles used for business of any kind, this includes:

• carrying passengers for payment
• carrying or delivering other people’s goods for payment, as a contractor or otherwise (e.g. parcel or food delivery)
• riding tuition for payment
• hiring the motorcycle to other people, including under peer to peer motorcycle sharing arrangements.

We only cover motorcycles used privately, and this includes commuting to and from your home and regular place of work.

Budget Direct covers all aftermarket modifications to your comprehensively insured motorcycle, except:

• custom paintwork (excluding decals/stickers)
• ECU (electronic control unit) remap or upgrade
• frame or subframes
• nitrous oxide kit
• turbo or supercharged.

You need to tell us about any modifications, accessories and options when you purchase your policy, or afterwards if you make any changes to your motorcycle so they are covered.

You must list any household members (including learners, provisional and occasional riders) who may ride the motorcycle. Unlisted household members will not be covered.

While any non-household members who are not excluded from riding (e.g. due to age restrictions) are automatically covered.

If you list them on your policy, you’ll avoid having to pay the unlisted rider excess (other excesses may apply).

Unless you or another rider of your motorcycle have a no-fault accident, you’ll be required to pay:

• your Basic Excess;

As well as any additional excesses that apply, namely:

• rider is under 21 years of age
• rider is 21 to 24 years of age inclusive
• rider has not held a full or open Australian motorcycle licence for 2 or more years
• rider is not listed on your insurance certificate.

The dollar amount of your Basic Excess and any additional excesses are shown on your insurance certificate.

Here’s how Budget Direct Pet Insurance works:

1. Get a quote and buy a Pet Insurance policy. Pay your fortnightly, monthly or yearly premium to maintain your pet’s cover.
2. After the applicable waiting period, if your pet suffers a sickness or accidental injury, take your dog or cat to a vet of your choice.
3. The vet examines your pet, performs any necessary tests and treats the condition.
4. You’ll pay the veterinary treatment costs in full.
5. Then, you’ll submit your Pet Insurance claim.
6. Upon acceptance of your claim, we’ll reimburse 80% of eligible vet expenses, less any applicable excess and subject to policy limits (terms, conditions and exclusions apply).

Yes, to be eligible for Budget Direct Pet Insurance your dog or cat must be aged over eight weeks old and under nine years old when you first take out this insurance.

If you continue to renew your policy each year, your pet can remain covered past nine years of age, provided we agree to continue offering cover.

Yes, you will pay your selected excess once for each unrelated condition during any one period of cover. For further treatments of a related condition during the same period of cover there is no excess.

For example, if your dog needs diabetes treatment twice during the 12-month policy period, you’ll be required to pay the excess for the first claim for that condition, but not the second.

Similarly, if your dog develops a condition that’s related to one you’ve already claimed (e.g. diabetic retinopathy stemming from diabetes), you won’t have to pay another excess.

Each time you renew your annual policy, the excess will be reset (in other words, the next time you make a claim for a related illness or injury, you’ll be required to pay the excess).

You can pay for your Budget Direct Pet Insurance premium by direct debit from your bank account, credit card or debit card (Visa or Mastercard).

You can pay fortnightly, monthly or annually (the third option is the most economical).

Yes, Budget Direct Pet Insurance customers can take their pet to any registered vet in Australia.

Budget Direct Roadside Assistance covers you if you’re left stranded – within our service area – for one or more of the following reasons:

• flat batteries
• minor mechanical or electrical fault
• flat tyre
• keys locked in vehicle or lost
• empty fuel tank requiring emergency fuel.

If we can’t get you moving again quickly with an easy fix over the phone, we’ll dispatch either a roadside contractor or a tow truck to assist you (within our service limits).

No – you can purchase a Budget Direct Roadside Assistance membership regardless of whether you have a car insurance policy with us (or anyone else).

Budget Direct Roadside Assistance covers the vehicle – we’ll provide assistance for your nominated vehicle, regardless of who’s driving it at the time it breaks down.

You can start using your Budget Direct Roadside Assistance for breakdowns that occur 48 hours or more after purchasing your membership.

If you require assistance before then – or help at any time with a pre-existing condition – a non-refundable service charge of $110 will apply, in addition to your annual membership fee.

It will depend on a number of factors, including your location and road conditions.

If possible, we’ll SMS you a link to a map showing the real-time location of your Budget Direct roadside contractor as they approach the breakdown area; and their estimated time of arrival (ETA).

This tracking service is available in selected areas only: If it’s not available in your area the contractor (or tow-truck operator) will instead call to let you know they’re on their way and, if necessary, update you on their ETA.

Our goal is to get you back on the road as soon as possible.