Budget Reviews

Budget Insurance has a UK based claims line and contact centre which can be reached 7 days a week, should you need them.

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Provider
9.0 /10
Based on 10994 reviews
5
4
3
2
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#1 of 10 home insurers
  • Sentiment Score: 5.0/10
  • 10994 reviews found on websites such as TrustPilot
  • 24/7 UK claim helpline
  • Online account for easy access for all customers
  • Get up to £1 million of cover as standard with Budget Buildings Insurance

Price Band

£ £ £ £ £

Good for

  • 24/7 UK claim helpline
  • Online account for easy access for all customers
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85% of consumers read reviews before purchasing
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Jones
Cover Purchased
i Reviewed without invitation
Reviewed the Service experience on 16 May 2021

Electrical Faults Not Covered Under Home Insurance Policy!

  • Recieved a response the same day their service query was submitted
  • Was neither happy or unhappy with their experience when they spoke to someone
Alexander Skeith
Cover Purchased
i Reviewed without invitation
Reviewed the Service experience on 9 Jul 2020

Excellent Customer Service

Even though they're all now working from home, their customer service team are really great.

Reply by Compare by Review

Thanks for leaving a review, Alexander. It's always good to know that providers are easily contactable when you need to speak to them.

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Quotes our team received

Home Insurance Pricing Image One

Details

Covers the contents of your home only

Contents Only Quote

£63.15
Per Year

Buildings' Cover Limit

£1m

Contents' Cover Limit

£99k
Home Insurance Pricing Image Two

Details

Covers the physical structure of your home as well as the contents

Buildings & Contents Quote

£289.56
Per Year

Buildings' Cover Limit

£1m

Contents' Cover Limit

£99k
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What home insurance policies does Budget Insurance offer? 

Budget Insurance offers three different home insurance policies; buildings and contents insurance, buildings insurance and contents insurance.

Buildings and contents insurance cover

Their buildings and contents insurance covers both the physical structure of your home and your contents. Cover includes: 
 
  • Storm and flood - cover if your home or contents is damaged as a result of storms of floods.
  • Falling trees - cover if your home is damaged as a result of a falling tree. 
  • Subsidence - covers damage caused by subsidence, heave or landslip. 
  • Fire and natural events - cover against smoke and earthquake damage. 
  • Attempted theft - your buildings are insured against theft or attempted theft.
  • Temporary removal - covers items that are temporarily removed from your home.
  • Freezer contents - covers the contents of your freezer.
  • Credit cards - covers you against fraudulent use of your credit card.
  • Escape of water - cover against loss or damage caused by escape of water.
  • Theft of keys - up to £500 to replace your door locks if your house keys are stolen.
  • Contents in the open - covers any contents damaged out in the open, for example, garden furniture. 
 

Buildings insurance cover

Budget’s buildings cover offers protection for the structural building of your home only. Cover includes: 
 
  • Storm and flood - cover if your home or contents is damaged as a result of storms of floods.
  • Falling trees - cover if your home is damaged as a result of a falling tree. 
  • Subsidence - covers damage caused by subsidence, heave or landslip. 
  • Fire and natural events - cover against smoke and earthquake damage. 
  • Attempted theft - your buildings are insured against theft or attempted theft. 
  • Escape of water - cover against loss or damage caused by escape of water. 
  • Theft of keys - up to £500 to replace your door locks if your house keys are stolen.
 

Contents insurance cover

Contents insurance covers the contents of your home only. Cover includes:
 
  • Storm and flood - cover if your home or contents is damaged as a result of storms of floods.
  • Attempted theft - your buildings are insured against theft or attempted theft. 
  • Fire and natural events - cover against smoke and earthquake damage. 
  • Escape of water - cover against loss or damage caused by escape of water. 
  • Temporary removal - cover for items that are temporarily removed from home. 
  • Freezer contents - backup to cover your freezer contents. 
  • Credit cards - covers you against fraudulent use of your credit card. 
  • Contents in the open - covers any contents damaged out in the open, for example, garden furniture. 
 
 

What’s not covered by Budget home insurance?

All Budget home insurance policies exclude cover for: 
 
  • Damage caused by wear and tear, or damage that happens over time.
  • Storm damage to fences and gates.
  • The cost of replacing any undamaged items that form part of a set.
  • Loss or damage to pedal cycles that aren’t listed in your Personal Possessions cover.
  • Loss or damage if your home is unoccupied for longer than the permitted period stated in the terms of your policy.

 

Optional extras

If you want further protection, you can add keycare cover and family legal protection to any Budget home insurance policy. 
 
Keycare cover - Budget Insurance’s keycare cover gives you access to a national network of locksmiths. It provides cover for keys that are permanently lost, stolen or locked in the building or vehicle and also covers reprogramming your immobiliser with no excess to pay.
 
  • £1,000 of cover per year for your home, car and business premises keys
  • Emergency helpline available 24/7
  • Covers keys for any lock
 
Family legal protection - this provides you legal expenses cover so that you can pursue claims for any damage arising out of your personal injury, your employment, the purchase of goods and neighbourly disputes. 
 
  • Access to a legal helpline
  • Up to £50,000 legal expenses for personal injury, employment, consumer or residential disputes

Frequently asked Questions

FAQ Icon

Budget Insurance offers Buildings insurance, Contents insurance and Buildings and Contents insurance combined so that you can choose the level of cover that suits you.

Yes, Budget Insurance offers Family Legal Protection and Keycare Cover as additional options to add to a policy for an extra level of care.

Simply call Budget Insurance's 24/7 UK helpline and log your claim. If you have been the victim of burglary, have your policy reference number to hand. If your house has been damaged call Budget Insurance before you start to make any repairs or contact any tradesmen. For all other customer queries, you can register and log in to ‘My Account’, Budget Insurance's easy to use online system.

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