^ 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.

What You'll Need to Have

You'll need to collect some information related to the incident and present it when you claim on your policy with Budget Direct.

Here's what you'll need to have:

  • All of the details related to the incident (including exactly 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, malicious damage, or vehicle impact)

Once you've collected all of the relevant information, your next step is to decide how you want to make a claim. You can choose between notifying us of your claim online, or calling so that one of our friendly team members can assist you. Rest assured whether you choose to claim online or over the phone, you'll be able to start your claim 24/7.

Providing Proof When Making a Claim

To help us assess your claim, you may need to provide documentation of your loss or damage. Visit your online Policy Manager to complete these steps, where relevant:

Upload photos of damage

Select 'photos of damage' as the document type, and upload a minimum of 3 photos per area.

Provide evidence for any lost, stolen or damaged items

For each item you're claiming, you'll need to provide a description, estimated replacement cost, and proof of ownership.

This evidence could include:

  • purchase receipts
  • valuations
  • credit card statements
  • serial numbers
  • owner's manual
  • guarantee or warranty certificates
  • photos or videos of your item
  • product packaging

Examples of proof of ownership for an item:

  • Jewellery over $1,000: Photo, receipt, valuation certificate
  • Electronics and tools over $1,000: Photo, receipt, Serial / IMEI / Model number

Note: If we've arranged an on-site inspection with a restorer they will complete a Contents list for you, if required.

Excesses

Your excess is the amount you pay towards each claim that’s lodged (and accepted) by us. To find out what your excess is you’ll need to check your certificate of insurance, which can also be viewed online or in your Policy Manager account.

If your claim is the result of one event, and you are claiming for both home and contents, you will only have to pay one basic excess, whichever is the higher of the two.

In some instances, an additional excess will apply, and can be found on your Insurance Certificate.

How to Pay Your Excess

Before repairs or replacements can get underway we’ll notify you about how you can pay for your excess. We require payment of the excess at the time of or soon after the claim is lodged. Someone from our friendly claims team will inform you of our payment options and what to expect from the process going forward.

Frequently Asked Questions

How do I make a home insurance claim?

When making a claim on your Budget Direct home and/or contents policy, please follow these steps:

  1. Take all reasonable steps to prevent or minimise further loss, damage or liability.
  2. Report any theft (or attempted theft), malicious damage or vehicle impact to the police as soon as possible.

Lodge a claim, providing us with the full details of the incident and any relevant supporting documents.

What is a home insurance excess?

A home insurance excess is the amount you pay towards each claim you make on your home and/or contents insurance policy.

For example, if your home insurance excess was $500 and your damage bill was $10,000, you’d pay $500 and we’d pay $9,500. If the damage was $500 or less, you’d pay the entire bill.

In some circumstances, additional excesses may also apply.

What if I have a question about my claim?

We are here to help you through all stages of your claim. Claim online with one of our agents from 8 am to 4 pm Monday to Friday AEST.

Or call us on 1800 069 336 to speak to someone from our new claims team 24/7 or the existing claims team from 6 am to 6 pm Monday to Friday and 6 am - 2 pm Saturday and Sunday AEST.

How do I send you the documents supporting my claim?

Upload supporting documents, including photos of damage, receipts, invoices and any other relevant evidence via your online Policy Manager. Simply access your claim and select ‘Upload now’ to submit your files.

Am I required to provide proof of loss or damage?

To help us assess your claim, you may need to provide documentation of your loss or damage. Visit your online Policy Manager to complete these steps, where relevant:

1. Upload photos of damage

Select ‘photos of damage’ as the document type, and upload a minimum of 3 photos per area.

2. Provide evidence for any lost, stolen or damaged items

For each item you’re claiming, you’ll need to provide a description, estimated replacement cost, and proof of ownership.

This evidence could include:

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

Examples of proof of ownership for an item:

  • Jewellery over $1,000: Photo, receipt, valuation certificate
  • Electronics and tools over $1,000: Photo, receipt, Serial / IMEI / Model number

Note: If we’ve arranged an on-site inspection with a restorer they will complete a Contents list for you, if required.

See all Home Claims FAQs

If you want to know more about your policy, log in to your Policy Manager to check your cover and excess or check all the details in the Product Disclosure Statement.

Next

Contact Us

No matter whether it's online or over the phone, you are able to contact us 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.

Claim online now

Chat With a Team Member

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

Chat with us now

Call Us on 1800 069 336

A friendly member of our team will assist you over the phone. If you have your policy number on hand then this will help us with your query.

Call us now