Claims > How to Make a Claim

How to Make a Claim

Making a claim on an insurance policy can feel like a daunting process. But with Budget Direct (in partnership with View Insurance) in your corner, you’ll be as supported as possible through your claim journey.


Making a Car Insurance Claim

Step 1: Collect the Required Information

It’ll be quicker and easier for you to lodge your claim if you have the following information handy:

  • your policy number
  • details of the incident, including time and place
  • other drivers’ names, addresses, vehicle registration numbers, and insurance details
  • any witnesses’ names and contact details
  • details of any tow-truck company used police report number (if applicable).
  • police report number (if applicable).
Step 2: Check What You’re Insured For

You may wish to read the Product Disclosure Statement, and your personal Insurance Certificate, to confirm what events you’re insured for.

Step 3: Lodge Your Claim
Claim Online

Lodge your claim online and book an assessment of your vehicle’s damage.

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Claim Over the Phone

You can call us on 1800 069 336, and a member of our team will help you lodge your claim.

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Step 4: Leave It With Us

Within two business days of you lodging your claim, we’ll contact you to advise you of the next steps and, if necessary, request more information.

Step 5: Get a Decision

On acceptance of your claim, we’ll either repair, replace or pay you the market or agreed value of your vehicle.

Making a Home Insurance Claim

Step 1: Collect the Required Information

There is some information that you’ll need to gather before you begin your claim.


These are the elements that you’ll be required to present as you make your Budget Direct Insurance claim

  • Details of the incident (this includes what happened, the time/date, and the place it happened)
  • Any photos you have of the damage or loss
  • A police report, if you have one (in cases of theft or malicious damage)
  • Your policy number (only if you start your claim over the phone)

If you don’t have these, you won’t have any issues starting your claim. Even if you’ll need them later (but don’t have access to them now), it’s probably worth lodging your claim without them, so it’s underway while you gather them.

  • Any damage reports (for example, from a computer technician)
  • Evidence of ownership (such as receipts, invoices or photos)
Step 2: Understand Your Cover

Your Insurance Certificate will detail all the optional extras you have or have not selected to include in your policy. From there, our PDS can help you understand what is/isn’t covered, to help you gauge whether your loss or damage is insured.

To avoid any potential nasty surprises later, it’s worth confirming that your claim falls into one of your insured events, before you get your claim going.

Step 3: Start Your Claim
Claim Online 24/7

In your own time, you can notify us of your claim online. We can then call you if we require further information to finalise your lodgement.

Claim Online Now
Claim Over the Phone

You can call us on 1800 069 336, and a member of our team will help you lodge your claim. You’ll just need to make sure you have your policy number handy.

Call Us Now
Step 4: We’ll Stay in Touch

Once you’ve lodged your claim, we’ll reach out to you if it’s been provisionally accepted.

Every claim is different – some people might have damaged something small (and all it needs is a replacement), others might need considerable repairs to their home. So our timelines on claims can vary significantly from person to person.

But what remains the same is that if your claim is accepted, we’ll be working hard to liaise with repairers or suppliers to get you the best result possible.

Unless someone tells you otherwise, we usually try and have a decision made on claims within 10 working days. However, in times of extreme weather events, our teams may be a little more under pressure, and need a bit more time.

Step 5: Assessment

Sometimes, we’ll need to send someone to your property to properly assess the damage or loss sustained. This might be to gauge the level of work needed, or to help us determine if the damage/loss is from an insured event.

If that’s the case, we’ll reach out to you, and book in the time that best suits everyone.

Step 6: Decision

Once your claim has been accepted, we’ll repair, replace, or cash settle the loss or damage to your home and/or contents (up to your sum insured).

Step 7: Repair

Once your claim is approved, we will provide you with details of the scope of repairs, or what will be replaced. If applicable, we will notify you of what cash settlement you may receive instead, or potentially any goods you’ll receive as replacements.

Repairs will be completed by professional, qualified tradespeople from our authorised repairer network. And if works are being completed under your Budget Direct Home and/or Contents Insurance policy, the repair quality is guaranteed.


Budget Direct Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353 (“AGIC”) and administered by Auto & General Services Pty Ltd AFS Licence No 241411 (“AGS”) and distributed by View Insurance as an Authorised Representative (AR No 1293388) of AGS.

Because we don’t know your financial needs, we can’t advise if this insurance will suit you. Please consider your needs, the Financial Services Guide, Product Disclosure Statement, Target Market Determination, Key Fact Sheets and Premium, Excess and Discount (PED) Guide when deciding to buy insurance. Underwriting criteria applies. Home and contents insurance not available in NT, North Qld and Northern WA. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached.

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