How can I see and change my home insurance policy details?

You can view and manage many of your Budget Direct home and/or contents insurance policy details – including your contact details, payment details, sums insured, excesses, and add-on covers – through your online account.

You can access your account at your convenience, on any device, 24/7.

(You can also see your policy details on your certificate of insurance.)

How do I set up an online account?

After buying your Budget Direct home and/or contents insurance policy – either online or over the phone – please check your inbox.

You’ll find an email from us with instructions on how to register for an online user account.

After you’ve created a password, you’ll immediately receive a second email from us asking you to activate your account, so you can log into it.

Next, you’ll need to link your insurance policy to your account, as follows:

  1. Log into your online account.
  2. Click/tap ‘Link another policy’.
  3. Enter the number of the policy you want to link and the policyholder’s details.
  4. Follow the prompts.

What changes can I make to my home insurance policy?

Among the things you can change on your Budget Direct home and/or contents insurance policy are:

  • contact details
  • payment details
  • sum insured (e.g. following a renovation)
  • add-on covers (e.g. Flood Cover)
  • excess (Basic)
  • listed, or specified, contents
  • home-security information
  • claims history.

You can change your policy details either by contacting us or via your online account.

How do I change my contact details?

To update your contact details:

  1. Log into your online account.
  2. View your home policy.
  3. Click or tap the ‘Change Contact Details’/’Your Details’ button.
  4. Follow the prompts.

Can I change my home insurance payment details?

Yes – you can change your payment method (credit card, debit card, or bank account) any time you want; and your payment frequency (fortnightly, monthly, annually) once a year, when you renew your cover.

If you pay fortnightly or monthly, you can also push back your payment date by up to 14 days, for example if you get a new job and your pay cycle changes, or if you’re temporarily short of funds.

How do I change my payment details?

To change your Budget Direct home and/or contents insurance payment details:

  1. Log into your online account
  2. View your home policy.
  3. Click or tap the ‘View/Change Payment Details’ or ‘Payment Details’ button.
  4. Follow the prompts.

How do I change my home insurance policy details?

To modify, or edit, selected Budget Direct home and/or contents insurance policy details (excess, add-on covers, etc.):

  1. Log into your online account.
  2. View your home policy.
  3. Click or tap the ‘Modify Policy’/’Edit Policy’ button.
  4. Follow the prompts.

Can I change the amount my home is insured for?

Yes – you can increase or decrease your sum insured for your home and/or contents at any time (subject to our acceptance of the new sum insured).

Indeed, we encourage you to regularly review your sums insured, especially if you renovate or make extensions to your home that increases its value.

Note that the sum insured is the maximum amount we’ll pay to replace your home and contents.

It’s therefore important you’re comfortable the amount you nominate is sufficient to replace your entire home and all of your contents at today’s prices.

I’ve forgotten my account username and password – what do I need to do?

If you forget your Budget Direct account username and/or password:

  1. Go to the Policy Manager login page.
  2. Click on the Forgot password? or Forgot username? link.
  3. Verify you are the account holder by typing in your policy number and personal details.
  4. Create a new password.

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