Budgetdirect Reviews 

1,104
TrustScore 3 out of 5

3.1

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Review summary

Created with AI, based on recent reviews

Looking at 631 reviews, most reviewers were somewhat happy with their experience overall. Many customers appreciate the competitive pricing, finding policies affordable and often significantly cheaper than previous insurers. People also frequently commend the helpful, friendly, and patient staff who explain things clearly and provide excellent service. However, a significant number of people express strong dissatisfaction with the claims process, citing frequent denials, slow inspections, and policies that refuse coverage for common issues. Some customers also report poor customer service, including long wait times, communication breakdowns, unprofessional staff, and unexpected premium increases year-on-year.

What people talk about most

Price

Clients share ambiguous opinions on price, with many reviewers finding the prices reasonable, affordable, and... See more

Service

Consumers find service to be ambiguous, with many reviewers expressing extreme disappointment and... See more

Claim

People report negative experiences with claim, often citing significant delays and poor communication... See more

Customer service

Customers had ambiguous experiences with customer service, with some reviewers praising the helpfulness,... See more

Staff

Reviewers highlight ambiguous aspects of staff, with many customers praising the helpfulness, patience, and... See more

Reviews shaping this summary

Rated 2 out of 5 stars

Minor damage from storm. $4000 area. First claim in 50 years. Slow to inspect damage. Slow to affect repairs (but good job) Dunno if slow is correct re payment cos the damage was affected just af... See more

Rated 5 out of 5 stars

I was buying a new car (a hybrid) and needed comprehensive insurance with no fuss, no bother, no backwards and forwards with endless e-mails. I got a good on-line quote from Budget Direct and now, al... See more

Rated 5 out of 5 stars

The process was very easy from my initial contact. The service provided by Customer Service was exceptional. Anything I was unsure of was fully clarified and the price of the policy was affordable... See more

Rated 5 out of 5 stars

I am a senior lady and they explained things clearly, often more than once. The money I saved is amazing. My previous insurer charged me over $4,000 per year for house and contents, Budget is o... See more


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3.1

Average

TrustScore 3 out of 5

1K reviews

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No recent history of asking for reviews

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3.1

All reviews

(1,104)

624 reviews in the last 12 months

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Rated 5 out of 5 stars

Patient and Understanding.

I am a senior lady and they explained things clearly, often more than once.
The money I saved is amazing.
My previous insurer charged me over $4,000 per year for house and contents, Budget is only a quarter of that.
The Car insurance was a few hundred cheaper.
I am very happy with the service I received.
Aileen

12 May 2026
Unprompted review
Rated 3 out of 5 stars

I got insurance on my bike

I got insurance on my bike, but they didn't ask for photos or the odometer mileage , so I'm wondering how good the insurance will be if I ever need to make a claim. Other then that it was easy and the customer service person I spoke to was great

11 June 2026
Unprompted review
Rated 2 out of 5 stars

Minor damage from storm

Minor damage from storm. $4000 area. First claim in 50 years. Slow to inspect damage. Slow to affect repairs (but good job) Dunno if slow is correct re payment cos the damage was affected just after Christmas and in July I am still waiting for their payment which they promised on my last 2 calls.

3 January 2026
Unprompted review
Rated 1 out of 5 stars

Pet Insurance- Recurring conditions are NOT covered

​I am deeply frustrated and disappointed with Budget Direct Pet Insurance. My dog had an infection that was treated and resolved before we joined. A few months later, my dog developed the infection again. Budget Direct completely rejected the claim.
​When you read their fine print, you realize a massive catch: if your pet gets a common, curable illness, they will slap a "pre-existing" or "recurring" label on it and refuse to pay a single cent.
​It feels like this insurance is designed to only cover things that happen exactly once in a pet's lifetime. If your dog is prone to simple, recurring issues like ear or eye infections, expect to pay 100% out of pocket despite paying your monthly premiums. I will be looking for a new provider that actually understands how basic pet health works. Unreliable and absolutely not worth the money.

9 July 2026
Unprompted review
Rated 1 out of 5 stars

Never ever use budget direct

Never ever use budget direct! They took three weeks and 10+ phone calls to sort out a no fault claim for $2200! I was hung on multiple times for telling them they have bad customer service and treated like an idiot when I was in the right the whole time. Absolutely disgusting service!

9 July 2026
Unprompted review
Rated 1 out of 5 stars

Worst insurance company I have ever…

Worst insurance company I have ever been with ! My experience was they lied and did anything to get out of paying any legit claims . I wasted my money going with Budget Direct , There are better , honest and fairer insurance companies to go with! Please read the fine print , as i found it misleading , Ambiguous and with Conflicting statements . After my experience it was clear , This is a greedy company only after Taking $$$ from their customers and not honoring the insurance claim ! Why would any one want to support such a corrupt company ? !!

1 June 2026
Unprompted review
Rated 1 out of 5 stars

Very disappointed with my experience…

Very disappointed with my experience with Budget Direct.

I had a water leak in the wall of my house and did the responsible thing by arranging a plumber to repair it immediately to prevent further damage to my property.

When I spoke with one of your staff members, Ken, he acknowledged that I had acted promptly and told me I would receive a partial reimbursement. He even asked if I was happy to proceed on that basis, and I agreed.

After waiting almost two weeks with no update, I finally received a call from the same staff member telling me that I was no longer eligible because my policy did not qualify. This was completely different from what I had been told initially.

The issue isn't the money—it's being given information that I relied on, only to have it changed later. Customers should be able to trust the advice they receive from their insurer. If I had been told the correct information from the start, I would have accepted it and moved on. Instead, I was left waiting, only to be disappointed by the reversal.

As a result, I withdrew my claim. Unfortunately, Budget Direct has now lost a loyal customer. I had trusted them with my home and contents insurance as well as my vehicles, but after this experience, I no longer have confidence in their customer service or the way they handle claims.

I hope Budget Direct improves the consistency of the advice given to customers so others don't have the same experience.

6 July 2026
Unprompted review
Rated 5 out of 5 stars

Great service

Great service, very informative, so very helpful in what I was looking for. Price was very reasonable.
Very happy with the whole package.

19 June 2026
Unprompted review
Rated 1 out of 5 stars

Budget - avoid at all costs

Budget is great unless you need to make an insurance claim. Cheap, but lousy service. I am currently waiting 60 days for my car repair. They dont seem to care. I also asked for a refund on 2 months of insurance premiums - I stated that how could my car be in an accident if its in your shop for 2 months. They said no way. It would have been good to know that 21 days of hire car is only a token if the car will be in repair for over 60 days.

2 July 2026
Unprompted review

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