Compare policies – Benefits and Optional Benefits
When you're making Home and Contents Insurance comparisons, there are a lot of factors to consider. You want a competitive price, but you also need to know exactly what you're getting for your money. Here at Budget Direct, our aim is to make Home and Contents cover easy to understand so you can make informed decisions. We give you simple and convenient choices to help you select a level of cover that's affordable and tailored to your needs.
The money-saving art of combining policies
It's quite possible to have Home Insurance cover that's separate from your Contents Insurance policy, but combining the two into a single Home and Contents policy makes a lot of sense. It's more convenient, and it can save you money – especially if you buy online. With Budget Direct, you save 15% on your separate Home or Contents policy if purchased online. But it gets even better: if you opt for a single Home and Contents policy instead, you get a whopping 30% discount when buying online. So combining your Home and your Contents cover into one policy isn't just simpler – it's cheaper too.
Getting the policy benefits you need
On our Policy Benefits comparison page, you'll see a list of everything our standard Benefits cover gives you for Home, Contents or a combined Home and Contents policy. Our Benefits include cover for fire, theft or attempted theft, explosion, lightning strikes, storm and rainwater damage, cover for escape of liquid, impact cover, accidental breakage of glass, ceramic or sanitary fixtures, malicious damage and a whole lot more. Terms, conditions, limitations and exemptions may apply to different types of cover, so we highly recommended you read the Product Disclosure Statement for the full details.
Understanding your Contents Insurance
Your home is a valuable asset, but so are the possessions inside it. Many homeowners don't fully appreciate how much their appliances, furniture, whitegoods, clothing and treasured personal belongings might cost to replace if they were damaged or stolen. Feel free to use our handy Replacement Value Calculators to help work out your own replacement costs. By looking at everything we offer in our Contents cover, you'll be better able to determine how it matches up with the specific valuables you have in your house.
Need more? Our Optional Benefits are the answer
If you decide you want additional cover for specific situations, we have a great selection of optional benefits to choose from. For example, you may want Motor Burnout cover for your appliances, or some optional Accidental Damage Cover. If you have jewellery that you want to be covered when it's outside your home, you'll need the added protection of Personal Effects Cover. Another useful Optional Benefit is called Sum Insured Safeguard: if the amount your home is insured for isn't enough to replace or repair the damage to your home, you can extend it by up to 25%. Want to raise your excess to lower your premium (or vice versa)? You can do that with our Choice of Excess Options benefit. And if you own a rental property, our Landlord Insurance features some handy Optional Benefits too, like Tenant Default Cover and Theft and Malicious Damage by Tenant Cover. Once again, terms and conditions do apply to different types of cover, so make sure you read the Product Disclosure Statement for full details.
What do we mean by Smarter Insurance?
Smarter Insurance is all about giving you exceptional policy benefits at a price you can live with. Because we use extremely accurate risk assessments, we can pass the savings on to our customers in the form of lower premium costs. We want your customer experience to be as pleasant and stress-free as possible, which is why we use a super-simple online quote system and a straightforward claims process. When you choose Home and Contents Insurance with Budget Direct, you'll have access to our 24-hour Claims Hotline, so we can attend to any claims quickly and efficiently. And our call centre is based right here in Australia, too.
Award-winning Home and Contents Insurance with a Money Back Guarantee
Budget Direct recently won Money Magazine's Best of the Best award for Cheapest Home and Contents Insurance in 20141. Being recognised for our low prices is great, but we also place a high value on customer service – whether you've been with us for years or are just starting out with your first policy. We also believe in standing behind our products: we offer a 21-day Money Back Guarantee on our Home and Contents Insurance if you should change your mind (terms and conditions apply; see the Product Disclosure Statement for full details).
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