Find out how much you could save by switching to us

In comparison 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 $
Contents Insurance $

Award-winning Australian home insurance

After comparing the cost and features of over 130 policies offered by more than 50 insurers, Canstar selected us as a National award winner for Outstanding Value Home and Contents Insurance in 2018.

We've also won Money magazine's Best of the Best title for Home and Contents Insurance three years running (2017-19); and a Mozo Experts Choice Award 2018 for Exceptional Value Home & Contents Insurance.

To cap it off, the Australian public voted us the Gold Winner in the Home & Contents Insurance category of the 2019 Reader's Digest Quality Service Awards survey.

CANSTAR's Outstanding Value Home & Contents Insurance Australia 2018
Money Magazine's Insurer of the Year 2019
Money Magazine's Cheapest Home & Contents Insurance 2019
MOZO's Experts Choice 2018 - Exceptional Value Home and Contents Insurance
Reader's Digest - Quality Service Award 2019 - Winner

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 covers means you don’t have to pay for insurance 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:



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.



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



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 Insurance

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

Read more

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 and your contents, as outlined above.

Read more

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

Compare 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.

Get a home insurance quote online