Budget Direct Refuse to Reinsure - Due To Claims History

pencilhead on 28/01/2020 - 16:58
Last edited 28/01/2020 - 17:08 by 1 other user

Hi,
I've been with Budget Direct for over 5 years for House and Contents as well as for 2 cars. Until recently have never made a claim.

My daughter got her L's 9 months ago. The day she did, I updated our insurance policies noting her as a driver and paying the increased premium. In Dec she had an accident, with about $3000 damage to our car. I made a claim and paid the young driver excess's of $2000.

Today, I received a letter from Budget Direct saying they will not renew the policy on our cars due to "the claims history of one or more drivers on the policy falls outside our acceptance criteria."

When I rang Budget Direct, I was told bad luck. They won't even review the decision.

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Comments

  • netjock on 28/01/2020 - 17:02
    +46

    Not surprised. Cheap for a reason. They just shift the perceived risks onto everyone else.

    • HighAndDry on 28/01/2020 - 17:12
      +11

      Lets safer (read: drivers with less claims) access cheaper insurance. Seems reasonable.

      • netjock on 28/01/2020 - 17:15
        +1

        Name checks out.

        • HighAndDry on 28/01/2020 - 17:16
          +4

          Unfortunately for OP.

      • Shiq1 on 28/01/2020 - 19:04
        +3

        Not even

        my wife had 2 not at fault claims (rear ended twice) when she got her new car (this was about 10 years ago) and they refused to insure her.

        I then applied online just to see what the premium would have been if it was a clean history and then went around shopping elsewhere, QBE came out on top then and its been insured with them since.

        • BertieBrown on 29/01/2020 - 08:50

          Yeah I’ve heard good things about QBE too.

    • funnysht on 29/01/2020 - 17:26

      weird.i had an accident with them and they renewed my policy no questions asked. the damage was prob few thousand too…this is with budget direct…i thought they would just increase the premium

      • capslock janitor on 31/01/2020 - 17:14

        Life_cheat: give the Full license holder's ID to other party instead of L-plater.
        In most cases other party doesn't care if you admit fault (if you are in the wrong) and as long their car is fixed..

        (Assuming Pencilhead, or some other family member was the supervisor at the time of accident)

  • bobbified on 28/01/2020 - 17:04
    +3

    That's not unusual. If they think you're too high of a risk, they will refuse to offer cover.

    There are lots of other companies you can potentially get cover from, except you might find that the premiums will be extremely expensive or prohibitive with your daughter as a listed driver.

    If you find a company that doesn't exclude L plate drivers and you're willing to take the risk of paying the "unlisted", "inexperienced" AND "basic" excesses in the event your daughter has another accident, then the premiums should be pretty standard (without her being a listed driver). It'll come down to the value of your car and how your daughter is as a driver.

    • Ugly on 29/01/2020 - 08:58
      +4

      Posted below, but I have Bingle comprehensive and learners are included as listed drivers automatically, without any premium increase.
      In the event of the learner having an accident, the only additional cost is the age excess.

      • resisting the urge on 29/01/2020 - 18:18
        +4

        The premium isn't problem the OP is outlining, it's the cancellation.

        BudgetDirect (Auto & General, Qld) did really well though, as the 3k they paid out less the 2k they collected AND the premium payments on top. All that could even be below the amount they actually paid the repairer.

        And now they move to reduce their risk, yet call themselves an insurance company. Now the OP knows they were scammed. BD probably charged them retail all the while anyhow, as comparing premiums is a circus in a cyclone

        That's why the gov regulates insurance companies so heavily, to let them behave as badly as all the other Financial Institutions ;-)

        • Investors +1
        • Gov +1
        • Public >-4*

        (* Because the public pay more than double for any money the other ones make)

  • JimmyF on 28/01/2020 - 17:21
    +8

    Budget Direct Refuse to Reinsure - Due To Claims History

    They don't want drivers who have claimed, simple as that.

    Try doing a quote online and declaring your claim history, will they offer you a quote for insurance?

    Anyhow, they don't have to renew you, there isn't anything you can do or you rather they sent you a renew for $10,000 instead?

      • brendanm on 28/01/2020 - 17:51
        +30

        Shock horror, having an l plater who has already had a $3k claim makes insurance more expensive. The risk is greater than the reward for them.

      • HighAndDry on 28/01/2020 - 17:54
        +19

        My daughter being on her L's, Insurance should be treated as if I was driving.

        Insurance is treated on risk profile. Why should insurance that covers your L plate daughter be calculated on your (much lower) risk profile?

      • bobbified on 28/01/2020 - 17:59
        +7

        My daughter being on her L's, Insurance should be treated as if I was driving.

        Why? You have how many years of driving experience? And how many years does your daughter have?

        Using that logic, they should just give your daughter her full licence!

      • Seraphin7 on 28/01/2020 - 18:12
        +2

        My daughter being on her L's, Insurance should be treated as if I was driving.

        Are you saying you have just as much control from the passenger seat as you do from the driver's seat?

      • JimmyF on 28/01/2020 - 18:46
        +2

        My daughter being on her L's, Insurance should be treated as if I was driving

        Correct, and your daughter had a crash, so your driving teaching isn't the best in their eyes now.

        Rating 1, 5 years No claim. I pay a premium to protect this.

        You don't pay anything to 'protect' your rating with budget direct, you had a lower premium as you hadn't had any claims in the last 5 years, you can no longer say that.

        I tried getting a new quote, It jumps from $600 to $1400, when I include her.

        ok so they will insure you, pay the $1400 and move on.

          • HardlyCharly on 28/01/2020 - 19:00

            @pencilhead: RACV/Q also won't do jack shit to protect you from scammers, told me so to my face that even with zero evidence they'll side with anyone who makes a claim against you.

          • Agarwal on 28/01/2020 - 19:55
            +12

            @pencilhead: Also seems a massive overreaction to move house. Would be much easier to just change your insurance company.

            • bobbified on 29/01/2020 - 18:17

              @Agarwal:

              Also seems a massive overreaction to move house.

              OP was talking about moving house and two car policies that is currently with Budget (not physically move house) haha

          • Oofy Doofy on 28/01/2020 - 21:34

            @pencilhead: I agree with you. Over time your daughter should have less accidents. Had they upped your premium but stuck with you, over the long haul surely they would make money? And you have other policies with them, so their logic doesn't make sense to me. Seems like some companies just have hard and fast rules for certain customers who don't meet their standards, then palm you off to someone else for insurance.

          • Typical16-bitEnjoyer on 29/01/2020 - 08:45

            @pencilhead: Byeeee

          • smartazz104 on 29/01/2020 - 21:18

            @pencilhead:

            RACV is around $1000 and they don't seem to have extra excess for L platers.

            Until she has another crash…

      • Piranha2004 on 29/01/2020 - 05:56

        Thats not how insurance pricing works. Its risk based calculations.

      • Ugly on 29/01/2020 - 08:56

        I have Bingle comprehensive and learners are included as listed drivers automatically, without any premium increase. (You only pay the age excess).

        "Bingle covers learner drivers (people on their Ls). There needs to be a listed driver in the car at the time of the incident to avoid the unlisted driver excess. The learner driver will then be treated as a listed driver, an age excess will apply if they are under the age of 25 at the time of the incident."

      • CocaKoala on 29/01/2020 - 12:57

        Username checks out. :p

      • [Deactivated] on 29/01/2020 - 13:22

        That's odd, when I was on my L's with my sister with AAMI, they said we didn't need to include L drivers.

      • chinawa111 on 29/01/2020 - 20:15

        why didn't you take the claim in your name? would've saved the age excess.

        Unless your daughter hit someone else and they exchanged details…then its unavoidable.

        PS: try UBICAR insurance. Its cheapest for Provisional and learners.

  • Almost Banned on 28/01/2020 - 17:42
    +21

    The bigger problem you have is that you will now have to declare that you have had coverage declined…

    • try2bhelpful on 28/01/2020 - 17:52
      +1

      Yup, that raises red flags with other insurers.

      • pencilhead on 28/01/2020 - 18:39
        +1

        They were ever so kind to include in their letter "We confirm your NO CLAIM DISCOUNT"

    • tebbybabes on 28/01/2020 - 20:04
      +7

      My impression is the same as @brad1-8tsi , it doesn't seem like OP has had coverage declined. Just told not renew.

      • Typical16-bitEnjoyer on 29/01/2020 - 08:46
        +6

        Agreed. Non-renewal =/= coverage declined. Read the PDS and terms.

  • ihbh on 28/01/2020 - 19:01
    +2

    What is the purpose of your post? PSA, looking for sympathy, looking for someone who knows their CEO to try to get them to insure you again?

    • pencilhead on 28/01/2020 - 19:27
      +2

      All of these, I'm p!ssed off at them!!!

      Most of all a warning for others that may be in a similar situation.
      If you make a claim with Budget Direct, there is a good chance they will refuse to reinsure and the trouble this causes trying to get future insurance due to having insurance refused.

      • brad1-8tsi on 28/01/2020 - 19:36
        +10

        I don't think that's a refusal. They are telling you early so that you don't apply and get refused. nb: You are currently insured and are choosing to insure elsewhere.

        • pencilhead on 28/01/2020 - 20:20

          Huh? They are refusing to reinsure me! - " Unfortunately, we can not invite renewal…."

          • burningrage on 28/01/2020 - 20:52
            +1

            @pencilhead: Nvm. You have already moved out. Well done!

          • brad1-8tsi on 28/01/2020 - 22:00
            +2

            @pencilhead: They haven't refused you as you haven't asked to renew (yet).

            Feel free to interpret how you want and give other insurers that information.

      • tagin on 29/01/2020 - 15:24

        It's probably not the claim but having your daughter on your policy that is raising alerts from them. She's probably a bad risk for them after having an accident after such a short time on the policy.

      • odal on 29/01/2020 - 18:19
        -7

        Maybe if your daughter had been taught to drive competently by somone competent, you wouldn't be.

        Choices and actions have consequences. This is one of them.Don't expect to have your cake and eat it too.

        Move on.

        Go with another insurer who will accept the risk you propose. Kid with a prang within her first 12 months of driving. Premiums going to be higher. Here's a tip. Tough love 101. Make her pay for her own car and pay her own insurance. Guarantee she'll be a lot more careful.

        • pencilhead on 30/01/2020 - 09:13
          +3

          Love the judgment by people who weren't there and have no idea what happened.
          Go you!!

  • HardlyCharly on 28/01/2020 - 19:02
    +13

    Doesn't make much sense considering you paid the vast majority of it yourself with that young driver excess.

  • apsilon on 28/01/2020 - 19:15
    +2

    You say $3k of damage to your car, how much damage to the other car/s? Did she write off a Bentley? I'm guessing she was at fault given you had to pay rather than the other party. Insurers are in the business of selling policies, not in paying them out so it's understandable they don't want to renew. You'll have trouble getting insurance anywhere now as they all ask if you've had a policy refused.

    • pencilhead on 28/01/2020 - 19:28

      No damage/claim from other vehicle, she hit a truck.

      • apsilon on 28/01/2020 - 20:23
        +17

        Too late now but did you consider not claiming? You paid $2k anyway and if you'd got some quotes and told them it wasn't an insurance claim it would've been under $3k. You would've been out of pocket a bit more short term but in front long term.

        • brendanm on 28/01/2020 - 23:04
          +11

          This is what should have been done. Probably could have had it done for the $2k and have no insurance hassle.

    • imurgod on 30/01/2020 - 21:30

      Incorrect and misinformed. You have a contract with your insurer. If the conditions are met, they pay claims.

      Re budget insurers, you pay peanuts,you get monkeys. Terrible claims teams who are easily beaten due to lack of knowledge.

      Refusal of renewal won't cause any issues in this case. Make sure you declare it.

  • brad1-8tsi on 28/01/2020 - 19:34
    +8

    That is BD's business model. They will only insure cleanskins with unmodified vehicles. The moment you step out of line they drop you.

    Try GIO or even Coles

    As an aside I found out today that my ex-wife has insured the kid's car with Budget Direct and not named the youngest 18yo P-Plater as a driver and hasn't taken out cover for <21. I can't believe the madness.

    • tessel on 29/01/2020 - 07:13
      +9

      That's the people who end up on current affairs with a sad story about how their insurance claim was rejected and how little Jimmy can no longer get to work as he no longer has a car. People will do anything to minimize cost and then shift the blame.

      • brad1-8tsi on 29/01/2020 - 22:22

        Yep. I can't believe it. And she's an otherwise intelligent, responsible person.

  • pencilhead on 28/01/2020 - 20:05
    +31

    Just signed up with RACV - $960.
    Explained to them the situation with incident and all good. Refusal of insurance not an issue.
    No increase in excess for learner or need to have her as a named driver either.

    Now to cancel other car and house with bugger off direct…..

    • burningrage on 28/01/2020 - 20:53

      Excellent news!

    • Alan Laz on 28/01/2020 - 20:57
      +1

      But will RACV be better? RACV is just a name on another company's policy, IAG.

      IAG issues policies under the name NRMA; SGIO; SGIC; RACV; CGU; Coles…amongst others

      • Baysew on 29/01/2020 - 00:52
        +3

        Pretty sure OP will be happy as long as name on policy doesn't say Budget Direct.

      • gimme on 29/01/2020 - 07:47
        +1

        I know you're trying to sound smart but this isn't entirely correct. Just because they have the same underwriter, it doesn't mean they are the same or have identical policies or claims processes.

        • Typical16-bitEnjoyer on 29/01/2020 - 08:51
          -1

          doesn't mean they are the same or have identical policies

          Correct.

          doesn't mean they are the same claims processes

          Incorrect.

        • R-Man on 29/01/2020 - 09:49
          +1

          "i know you are trying to sound smart but I'm smarter"

      • RobotWizard on 30/01/2020 - 14:04
        -1

        NRMA are one of the best around IMO, All our family cars are covered by them we made 4 claims in past 5 years and never had any issues whatsoever, Don't know anyone personally who had bad experience with them.

        • imurgod on 30/01/2020 - 21:38
          -1

          You mustn't know many people then.

          They are pretty awful.

          They have useless recovery teams, lowball written off vehicle values below even industry guide level and now they've started pushing dodgy repair work like gluing things instead of replacing.

          I urge everyone to read the PDS for your car and home at least. They don't even offer full accidental damage! That's a joke.

          • oz-eh on 31/01/2020 - 04:47

            @imurgod: I don't know about you, but I've been with NRMA for about 19 years and never had a problem with them. Our family have claimed 2 x written off vehicle (over $45k each time) and both times it was a quick and easy process, and so is friends that are with them. Also had a few claims of our fault and never an issue either.

            I also never had a problem with my repair because we usually pick our own repairer (I do know that they now charge extra for any repairer however since my repairer of choice is on their list of repairers so I don't need to pay extra for that)

            We also have our home insurance with them and I have made claims with them with no issue as well.

            As for written off values, I never understand why people would bother with market value in the first place which I assume was what you had, as we always get agreed value so there is no need to worry about valuation.

            • imurgod on 31/01/2020 - 09:39

              @oz-eh: Of course everyone's mileage varies and it's good that you've had straightforward claims.

              Agreed value is fine, but why should you need to pay more for agreed value and choice of repairer when other insurers do the right thing without making you pay the additional cost? We even get a hire car regardless of fault for free!

              Don't forget that the Agreed Value sums they accept are most often low as well. I have a client with an SS Commodore whom NRMA would only allow $5,100 value. We put it on for $8,400 value and we were a little over $130 cheaper and provide a free hire car regardless of fault and choice of repairer.

              The problem with Agreed Value is that the number leaves no room for negotiation. Market Value is cheaper and allows you to go to carsales.com.au and provide a couple of examples to prove the value of the car.

              I would never insure with NRMA, but my wife once was and some of our clients too. Here's just a few issues I've experienced:

              1. Wife's car written off by third party. Full service history, 6 year old car with extremely low kms. NRMA tried to pay ~$3,700 below the lowest glass' guide value and that value would be for a high km, poor example with lacking service history. We also had a baby seat in the car and, not only was the assessor trying to tell me it was fine to re-use (it wasn't), but then they wouldn't pay for the hire of one for the hire car… cost? $100 for the whole period of hire.

              2. Client had someone hit his van. NRMA said parts would cost $2,400 but they could not be found so repair was not possible. Their settlement was to let him keep the unroadworthy van and pay him $2,400. I went to town on the assessor and got him the $9,000 for a comparable used van.

              3. Various people I have dealt with (including my parents) for home insurance. Never seen NRMA pay for a roof claim. Even had 2 hail damaged claims denied in full. One claiming normal wear and tear for a gutter that tore off during a storm saying that my 80 year old dad should be going up on the roof to check it's condition. The condition was fine, but who goes onto their roof regularly to check it's condition? I have never once done that.

              A mate had his home with NRMA, burst pipe flooded kitchen and swelled the woods in floors and the kitchen. NRMA has sent assessors and builder to his home 8 times so far and still haven't got the scope of works right. They have tried to sneak in inferior parts to repair the kitchen instead of the original parts and wanted to replace a small, damaged section of the wooden floor, but couldn't find the matching boards so, instead of replacing the whole floor in that room so it matches, they want to pay him what it would've costed to replaced that tiny section… very helpful when you can't find the replacement materials. He's now asking them to cash settle him via their dispute process because he has found a local tradesman who can do the lot and has located all the correct materials.

              Had 3 clients who were previously with NRMA before they came to us, who had hail damaged roofs denied because, despite proof from local weather stations, they started with trying to convince them that there was no hail in the area on that date and then when provided with proof, they said they didn't think the hail stones would've been big enough to damage the roof… yet they accepted the motor claim for they glass roof on their car which was also damaged by the same hail event. Every one of these clients were with NRMA for over 30 years.

              One major thing to remember is that definitions vary, so when you buy Accidental Damage cover from NRMA, AAMI, BD, Youi, etc. You are not getting Full Accidental Damage cover, but rather limited sections. The worst for this rort are banks' policies. They are the worst of the worst. It's your home, make sure you get a policy with full AD cover or when you have a decent claim, you'll find yourself very much out of pocket.

              Then there's their recoveries…. woeful at best. We breathe a sigh of relief when our insurers are up against NRMA claims recoveries, because we don't have to do much work to beat them and have their client wear the claim. Only yesterday, they were trying to tell me that a heavy vehicle we insure with the "do not overtake turning vehicle" signs on the back, isn't allowed to straddle 2 lanes to turn… a quick Google search of the NSW road rules closed that argument down for them in a second.

              I guess I am exposed to a lot more than those not in the industry, so I see a lot more of the side you don't.
              With insurance, like most other things, you get what you pay for. It's all in the PDS.

              Anyhow, if your experience is good, why would you consider a change, right? That's totally understandable.

              • oz-eh on 31/01/2020 - 15:57
                +1

                @imurgod: Fair enough, if I have experienced what you have I would probably switch.

                I have always tried to compare prices around as well and usually most likely due to all the discounts with get for multiple policies we have, NRMA usually comes out about at least 2-3 hundred dollars cheaper.

                I don't pay for any smash repair as I said since as I said my preferred smash repair is their partner repairer so I can choose that without any issues anyway.

                I just did a online quote with Budget Direct for a new Mazda 3 we just bought and it will cost us about $1100 where with NRMA we are paying around $780.

                Also did a quote with Allianze and it was similar price to budget direct too.

                1 insurance I would never want to touch is AAMI. Just heard too many bad stories from friends and also when I used to go to a smash repair they always ask whether you are with AAMI not and It seems like no one wants to deal with them.

                I haven't read all the replies you have done for this, but just want to know what other insurance companies have you had good experience? It never hurts to know more just in case 1 day I want to switch.

                • imurgod on 31/01/2020 - 16:23
                  +2

                  @oz-eh: I use ones that only deal through broker channels like Hollard, IAL, sometimes Vero and One Underwriting.

                  For me, I'd rather use my preferred insurers because I drive a luxury car and I would only have it repaired by specialist repairers, besides that, I get excess-free windscreen and so on.. all those sensors increase the cost of a w/screen!! and recoveries is a big one for me. I don't want to wear claims in which I'm not at fault but the recoveries teams aren't equipped to handle properly.

                  Can I just say thanks for being able to discuss like an adult? Legend.

                  • oz-eh on 08/02/2020 - 04:14
                    +1

                    @imurgod: Thanks for the explanation and taking your time to explain things too :)

                    I do always choose my own preferred repairs and I just happened to be lucky that they are on the list of recommended repairers that is also a specialist for my car's manufacturer.

          • RobotWizard on 04/02/2020 - 11:05

            @imurgod: Everyone has different experiences I guess, I hit a kangaroo on my fairly new car and chose their recommended repairer, after 1.5 years clear coat started to fade in bonnet and bumper, which they had repainted.

            Rang NRMA, accessor was at my door next day to look at the car and then they asked me to choose whoever I want and if it's on their list it'll still have lifetime warranty.

            Chose a reputable shop close by, got the whole front end repainted for free and saw the bill shop charged NRMA $3K

            They may not be the best but so far I've had good experience,

            • imurgod on 04/02/2020 - 14:24

              @RobotWizard: I would classify that as a bad experience, personally.

              I world expect the repair to be done right the first time,especially by their preferred repairer.

              Having to be inconvenienced again to rectify a sub-standard repair is not good enough as far as I'm concerned.

              They always try to force repairers to cut corners, which is why you had to get the job done again and you still can't be sure the job is done right.

              I'd prefer to take my car to a luxury car specialist repairer of my choosing and have my car repaired right first time without having to do the job to the insurers cost restraint.

  • [Deactivated] on 28/01/2020 - 20:06
    +5

    Budget Direct is one the most complained about insurers.

    • macrocephalic on 29/01/2020 - 11:00
      +1

      I was with them for years and made a couple of claims which were dealt with in a normal fashion, but they did absolutely rip me on prices. In about 7 years my premium nearly doubled (I'm not in Sydney, my house value hasn't doubled). I saved ~$700 just by switching to Suncorp on a whim; I might have saved more if I'd searched harder.

  • [Deactivated] on 28/01/2020 - 20:14
    -5

    Shoulda gone to Specsavers.

  • Alan Laz on 28/01/2020 - 20:49

    Yep, cheap for a reason.

    Look elsewhere.

  • FlipCrank on 28/01/2020 - 21:25

    Budget Direct wouldn’t even insure me as a young driver with an MX5.

    • Kozhutki on 30/01/2020 - 18:30

      you got one of them flyin miata conversion kits installed?

  • pencilhead on 29/01/2020 - 00:17
    +2

    To add insult to injury…
    I went to cancel policy on other car (has 6 months left), so I could get multi-policy discount from RACV.
    BUDGET DIRECT won't pay out the balance because I've made a claim.

    As a company they are really F#cked up.

    • Piranha2004 on 29/01/2020 - 06:00
      +6

      Thats bs. You havent made a claim on the car in question so you should get part of your premium back. Threaten to take them the ombudsman

    • Stimps on 29/01/2020 - 07:59
      +13

      Just crash your other car into a Bentley.

      • ruddiger7 on 29/01/2020 - 09:24
        +2

        Through the Bentley dealers display window

    • Typical16-bitEnjoyer on 29/01/2020 - 08:49
      -5

      Duh. That's standard with practically ALL car insurers. Read your PDS.

      Even if you pay monthly, you're required to pay out the remainder of the coverage year when making a claim.

      • Randolph Duke on 29/01/2020 - 09:50
        +1

        Not on separate policies it’s not.

        • Typical16-bitEnjoyer on 29/01/2020 - 12:12
          +5

          Yes it is if OP took out BD's multi policy discount offer pre 2018.

          Again, read the PDS…

    • WilkyBoy on 29/01/2020 - 12:34

      Or is it because you paid annually? If you pay monthly you won't have an issue.

      • apsilon on 29/01/2020 - 12:39
        +3

        I'm almost certain that if you're on pay by the month and make a claim they deduct the remaining payments from any pay out or you need to pay it up front if they need to pay a third party.

        Your policy is only complete when paid in full. Paying by the month is just a way of paying it off. You're not entitled to anything without full payment.

        • unwashed00 on 29/01/2020 - 13:46
          +1

          That's true for the policy of the crashed car. But I'm surprised it affect the policy on another car.

          • apsilon on 29/01/2020 - 14:13
            +1

            @unwashed00: They're on the same policy so it's a bit of a grey area. I don't agree with it but can see why. I guess if you want that flexibility you have to give up the multi vehicle discount and keep them on separate policies.

    • gazzathegreat on 29/01/2020 - 19:50

      Yep, thats right
      Only found that out the other day. ( i'm not insured with BD} after being bored and actually reading t&c's. They ALL are a bunch of thieving bastards

    • imurgod on 30/01/2020 - 21:40

      Take that to AFCA. Have the fight.

      I would expect that they should have to refund you like everyone else.

  • orbitalpaul on 29/01/2020 - 07:45

    That has always been my experience with BD. Look elsewhere and don't give them any more money.

  • cashless on 29/01/2020 - 08:46
    +1

    I've been with Budget Direct for over 5 years for House and Contents as well

    Your biggest mistake right there. Heard of churning?

    Another point to OP.
    Many insurers cover "L" platers for free. Example Bingle

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