100% Do not go with Budget. Premiums are their only concern

Extremely poor service from Budget. Claim denial that makes absolutely no sense and it seems to be aimed purely at not paying out.

On the 19th Of November we arrived home to find various household appliances not working. We had had a power surge or some sort of power fluctuation, after this our fridge, microwave and toaster did not work at all. Our TV had developed a line running through it. We immediately called Budget, began the claims process etc.

We were told a assessor would send someone to collect the appliances and assess the damage.

A guy by the name Joseph from Mastercare was supposed to come, We scheduled for Monday 30th and he did not show up. We repeatedly schedule times with him and he never showed up. Finally on Wednesday the 2nd he showed up, took a picture of my TV and collected the fridge, microwave and toaster.

Saturday the 5th we got a call from Budget and our claim was denied, Their reason: All appliances are damaged due to wear & tear. So my fridge, microwave, toaster and TV all broke the same time due to wear and tear on the appliances, yet my TV wasn't even removed for inspection a cellphone picture was sufficient apparently to prove wear and tear damage,

We had called Budget to complain that the assessor Joseph was not showing up and they in turn escalated the issue to Mastercare who then put pressure on Joseph. Thus he was not in a good mood when he arrived to collect the appliances. Budget is extremely disappointing as they did not question the veracity of the assessment. It was sufficient for them that the very unlikely scenario of 4 appliances all being diagnosed as "Damaged due to wear and tear". Now I am left with the responsibility of having to effectively do their job and find another assessor, cart the appliances to and fro all to prove to them that which should be obvious.

Apparently being a customer with Budget is the perfect business relationship as long as you keep paying your premiums and don't ever claim anything.

I 100% do not recommend budget insurance, find another insurance company even if they charge more. Budget is exclusively interested in premiums and only premiums and exercise poor acumen.