^ 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 if I have a question about my claim?

We are here to help you through all stages of your claim. Chat with one of our agents online from 7 am to 9 pm Monday to Friday AEST.

Alternatively, call us on 1800 069 336 to speak to someone from our claims team 24/7.

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.

Why do I need to send photos of the damage?

Providing photos of the damage to your home and/or contents is a key step for a smoother claim process.

How to upload photos

Visit your online Policy Manager to access your claim and upload photos of damage. Please upload a minimum of 3 photos per area.

What to include in your photos

Overall view: Capture the entire room or area where the damage is located
Specific damage: Take close-up shots of the actual damaged area or item
Different angles: Provide photos from various angles to show the full extent of the damage

These photos will provide us with an initial indication of your loss or damage.

What documents do I need to supply if I’m claiming for the landlord benefit on loss of rent after an insured event?

We will ask you to provide copies of the following documents when you lodge your claim:

  • A tenancy agreement
  • A real estate management contract
  • A tenancy ledger

In certain circumstances, we may ask for other documents to further support your claim.

What documents do I need to supply if I’m claiming for optional landlord covers?

We will ask you to provide copies of the following documents when you lodge your claim:

  • A tenancy agreement
  • A real estate management contract
  • A tenancy ledger

In certain circumstances, we may ask for other documents to further support your claim.

Do I need to supply a police or fire brigade report?

A police report is needed for claims lodged under:

  • Theft
  • Malicious Damage
  • Tenant Malicious Damage

Depending on the type of claim we may ask for other reports from the police, fire brigade, or emergency services.

How long will my claim take?

Home claims are not completed in a set timeframe and instead can vary based on the customer’s individual circumstances.

Why are you asking me about GST?

We are required by the Australian Tax Office (ATO) to collect details from those who are registered for GST. The reason why we collect this information is that it impacts the settlement of any claims made on your insurance policy.

For more details please contact the ATO, consult your accountant, tax officer or financial advisor.

Why are you asking me about my ABN?

We do not need your ABN, just information around your claiming status.

If you are registered for GST and entitled to claim an Input Tax Credit (ITC) on your premium, you need to give us this ITC entitlement each time you make a claim. A full GST entitlement would be a 100% ITC entitlement.

For more details please contact the ATO, consult your accountant, tax officer or financial advisor.

Could my claim be declined?

When you submit an insurance claim, there are a few possible outcomes:

  • Your claim may be approved in full
  • Your claim may be partially approved (meaning we can only approve part of the claim)
  • Your claim may be declined

Once you submit a claim, we will review all relevant information to determine what is covered under your specific policy.

Here are some common reasons why a claim may be partially approved or declined:

  • Your insurance policy was not current at the time of the loss.
  • The damage was pre-existing and not caused by an insured event.
  • The damage or its cause is subject to one or more policy exclusions.

If we have accepted a claim for loss or damage to your home, we will aim to repair or rebuild using builders or suppliers in our network. We will cover repair and rebuilding costs up to the limits stated in your Insurance Certificate and PDS. In some circumstances, we may be unable to repair or rebuild all or part of the home, and this can impact how we settle the claim.

What can I do if I am unhappy with my claim?

If you’re unhappy with any of your home insurer’s decisions or actions — including a declined claim — you may make a complaint.

Budget Direct’s complaints process is as follows:

Step 1: Speak to us

We want to resolve any complaint or dispute for you as quickly as possible. The best place to start is to contact our customer service team.

Step 2: Our team will help you

We will acknowledge your complaint within 24 hours of receiving it or as soon as practicable.

Our team will try to resolve your complaint immediately and will provide you with a unique reference number.

If we are unable to resolve your complaint to your satisfaction within 5 business days, we will escalate it to our Customer Disputes Resolution Team for review.

Step 3: If we can’t agree, you can seek an independent review

If you are dissatisfied with our final decision, you can complain to the Australian Financial Complaints Authority (AFCA). What to do before you complain to AFCA.

Find out more about how to complain to Budget Direct.

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