Find out how much you could save by switching to us

Compared to their previous insurers' home and contents insurance premiums, our customers nationwide told us they saved an average of $### by switching to us.

Here are their self-reported savings:

Customers who bought… Told us they saved an average of…
Home and contents insurance $
Home building insurance $
Contents insurance $

Award-winning Australian home insurance

After comparing the cost and features of nearly 150 policies offered by more than 50 insurance providers, Canstar awarded us one of three national awards for Outstanding Value Home and Contents Insurance in 2017.

We also won Money Magazine’s 2018 Best of the Best award for Cheapest Home and Contents Insurance; and Mozo’s 2017 People’s Choice (Outstanding Customer Satisfaction, and Excellent Customer Experience) and Experts Choice (Exceptional Value) awards for home insurance.

CANSTAR's Outstanding Value Home & Contents Insurance Australia 2018
Money Magazine's Cheapest Home & Contents Insurance 2018
MOZO's People's Choice 2017 - Outstanding Customer Satisfaction
MOZO's Experts Choice 2017 - Exceptional Value Home and Contents Insurance

More ways to save

There are a number of ways you can reduce your premium even further:

Select the right level of cover

Our range of optional benefits means you don’t have to pay for cover you may not need, e.g. flood cover.

Buy your policy online

If you get a quote and buy a policy online, you’ll receive a 15% (home or contents) or 30% (home and contents) discount on your premium.

Increase your excess

Choose an excess between $100 and $5,000; by increasing your excess, you could lower your premium.

Pay your premium annually

By paying annually instead of in instalments (i.e. fortnightly or monthly), you’ll pay a smaller premium and avoid administration fees.

How to switch

Switching to Budget Direct home insurance from your current insurer is quick and easy:

1

Research

Compare different insurers’ products and get quotes – you may find it useful to read the insurers’ key fact sheets, which explain simply, clearly and briefly what the products’ most important benefits are.

2

Buy

If you get a quote and buy a Budget Direct home and/or contents policy online, you’ll save 15% (home or contents) or 30% (combined home and contents).

3

Contact

Once you’re covered by us, contact your previous insurer to decline their renewal offer or cancel your other policy mid-term.

Note that if you cancel mid-term, your previous insurer may refund any unused portion of your premium; however, they may charge you a cancellation fee.

Get a quote online and save up to 30%^

Get a quote online – it's quick and easy. If you get a quote and buy a policy online, you’ll receive a 15% (home or contents) or 30% (home and contents) discount on your insurance premium.

Types of home insurance

Among other things, the price of your home insurance, or premium, depends on your level of cover; the more extensive the cover, the more it costs.

We offer three types of home insurance:

Home building insurance

Covers loss or damage to your residential building, including garages, other structures like your garden shed and fences, domestic fixtures (e.g. build-in wardrobes, air-conditioners, awnings) and permanent structural improvements (e.g. a home extension).

Read more

Home contents insurance

Covers loss or damage to your household belongings, including your furniture and furnishings, computers and electrical appliances, kitchenware, carpets, curtains, clothing and shoes.

Read more

Home and contents insurance

Covers your home building and your home contents, as outlined above.

Read more

If you're already a customer, the type of cover you have is shown on your home and/or contents insurance certificate and in your online account.

Compare the benefits and features of our different types of home insurance

Praise for Budget Direct

“The trick is to keep insurance costs low but get all the necessary features tailored to your needs, with a few bells and whistles. This year’s winner, Budget Direct…does the job.”

2017 Money Magazine Insurer of the Year award citation

“Instead of charging you for things you may not need, Budget Direct provides the option of extra cover for things like floods and portable items you take with you away from your home, giving you control over the level of cover that you need, and how much you want to pay.”

CANSTAR research team, September 2017

^Online discount applies to new policies only. Terms and conditions apply.
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Get a home insurance quote online