Find out how much you could save by switching to us
In comparison to their previous insurers' combined 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… |
|---|---|
| Combined Home and Contents Insurance | $ |
| Home Only Insurance | $ |
| Contents Only Insurance | $ |
Award-Winning Australian home insurance
After comparing the cost and features of 67 products offered by 49 providers, Canstar presented us with the National award for Outstanding Value Home & Contents Insurance for the eighth year in a row in 2024.
We’ve also won Money magazine’s Insurer of the Year title nine years running (2017–2025); Money magazine's Best of the Best title for Home & Contents Insurance (2022-2025) and WeMoney's Best for Value Home & Contents Insurance award for 2025.
More ways to save
There are a number of ways you can reduce your premium even further:
How to switch
Switching to Budget Direct home insurance from your current insurer is quick and easy:
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 new policy online, you’ll receive a 15%^ discount (Home only or Contents only) or 30%^ discount (combined Home and Contents) on your first year’s 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:
If you're already a customer, the type of cover you have is shown on your insurance certificate and in your online account.
Praise for Budget Direct
“According to Canstar Research, Budget Direct provided competitively priced policies with a comprehensive level of cover...home insurance customers can access fire, theft, storm and optional flood cover, as well as cover for accidental breakage of glass...and the option to add accidental damage”
CANSTAR research team, February 2022
“Budget Direct is Australia's most awarded insurer with a well-earned reputation for consistently offering some of the lowest premiums across many of the market segments in which it compete”
2022 Money Magazine Insurer of the Year award citation
