For an additional premium, you can customise your Budget Direct home and/or contents insurance by adding one or more of the following optional covers to your policy:
| Can be added to a home or contents policy |
|---|
| Flood Cover |
Cover for damage or loss caused by flooding rivers, creeks, lakes, dams and other bodies of water.
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| Accidental Damage |
Standard cover includes accidental damage to glass, ceramic and sanitary fixtures; Accidental Damage extends this cover (some exclusions apply – please read the PDS).
|
| Landlord Covers |
Landlords can choose one or both of the following:
- Tenant default cover
- Theft and malicious damage by tenants and their visitors.
|
| Motor Burnout |
In case a power surge burns out a motor in an electrical appliance you own (less than 10 years old); we can also pay for related spoilage of food.
|
| Can be added only to a home policy |
|---|
| Sum Insured Safeguard |
If your nominated sum insured is insufficient to repair or replace your home, we'll increase it by up to 25% (e.g. from $400,000 to $500,000).
|
| Can be added only to a contents policy |
|---|
| Personal Effects Cover |
Insures the portable items (e.g. jewellery, sunglasses, camera) you take with you away from your home. Read more
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| Commercial Storage |
Covers your contents for loss or damage while they're stored in a commercial storage facility.
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You can apply to add one or more of these optional covers 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.
