Affected by the weather in NSW? We are here to help 24/7. Call us on 1300 139 591 or Make a Claim

LMI Claims Comparison - Claims Service Rating - Home & Contents 2021

View our guide to making claims, cleaning, and documenting damages from significant weather events:
Responding to Significant Weather Events

Making a claim on your Home and/or Contents Insurance might feel a bit daunting if you’ve never done it before. And while it can be a confusing and difficult process at times, the friendly team at Budget Direct is here to help through every step.

Step 1: Collect all the required information

There is some information that you’ll need to gather before you begin your claim.


These are the elements that you’ll be required to present as you make your Budget Direct Insurance claim.

  • Details of the incident (this includes what happened, the time/date, and the place it happened)
  • Any photos you have of the damage or loss
  • A police report, if you have one (in cases of theft or malicious damage)
  • Your policy number (only if you start your claim over the phone)


If you don’t have these, you won’t have any issues starting your claim. Even if you’ll need them later (but don’t have access to them now), it’s probably worth lodging your claim without them, so it’s underway while you gather them.

  • Any damage reports (for example, from a computer technician)
  • Evidence of ownership (such as receipts, invoices or photos)

Step 2: Understand your cover

Your Insurance Certificate will detail all the optional extras you have or have not selected to  include in your policy. From there, our PDS can help you understand what is/isn’t covered, to help you gauge whether your loss or damage is insured.

To avoid any potential nasty surprises later, it’s worth confirming that your claim falls into one of your insured events, before you get your claim going.

Step 3: Start your claim

No matter whether it’s online or over the phone, you’ll be able to start your claim 24/7.

Claim online

In your own time, you can notify us of your claim online. We can then call you if we require further information to finalise your lodgement.

Call us on 1800 069 336

You’ll need your policy number handy, so a friendly member of our team can assist you.

Step 4: We'll stay in touch

Once you’ve lodged your claim, we’ll reach out to you if it’s been provisionally accepted.

Every claim is different – some people might have damaged something small (and all it needs is a replacement), others might need considerable repairs to their home. So our timelines on claims can vary significantly from person to person. 

But what remains the same is that if your claim is accepted, we’ll be working hard to liaise with repairers or suppliers to get you the best result possible.

Unless someone tells you otherwise, we usually try and have a decision made on claims within 10 working days. However, in times of extreme weather events, our teams may be a little more under pressure, and need a bit more time.

Step 5: Assessment

Sometimes, we’ll need to send someone to your property to properly assess the damage or loss sustained. This might be to gauge the level of work needed, or to help us determine if the damage/loss is from an insured event.

If that’s the case, we’ll reach out to you, and book in the time that best suits everyone.

Step 6: Decision

Once your claim has been accepted, we’ll repair, replace, or cash settle your lost or damaged home and/or contents (up to your sum insured).

Step 7: Repair

Once your claim is approved, we will provide you with details of the scope of repairs, or what will be replaced. If applicable, we will notify you of what cash settlement you may receive instead, or potentially any goods you’ll receive as replacements. 

Repairs will be completed by professional, qualified tradespeople from our authorised repairer network. And if works are being completed under your Budget Direct Home and/or Contents Insurance policy, the repair quality is guaranteed.

*Based on a survey of Budget Direct Home Insurance customers conducted between 10 February 2015 and 30 September 2021. Visit for more details.