Updated September 28, 2026 · AssureCue Editorial Team
Budget Direct vs L'olivier Assurance Habitation
Where Budget Direct and L'olivier Assurance Habitation differ
| Compare |  Budget Direct |  L'olivier Assurance Habitation |
|---|---|---|
| Insurance types | Auto, Home, Renters, Life, Travel, Pet, Motorcycle, Breakdown, Landlord, Income protectionCovers more | Auto, Home |
| Provider type | Insurer | Broker |
| Cover limit | AUD 12,000-25,000 per year (pet insurance annual benefit limit; Plus up to $25,000, Essential $12,000) | Driver personal accident guarantee up to EUR 100,000; EUR 1,000,000 with the Pack Securite or Pack Premium option |
| Claims channels | Phone, Online | Online, Phone, EmailCovers more |
| Premium from | A$76.45 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | A$100 | Not confirmed |
| Age range | Pet insurance: over 8 weeks old and under 9 years old at first policy | Not confirmed |
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Key differences
- Budget Direct scores higher overall: 9.2 vs 8.9.
- L'olivier Assurance Habitation is licensed in 1 more country.
- L'olivier Assurance Habitation is available in 1 more country.
- Insurance types: only Budget Direct offers Renters, Life, Travel.
- Claims channels: only L'olivier Assurance Habitation offers Email.
Our verdict on each
Budget Direct
Budget Direct suits Australian households wanting one insurer across car, home, pet, travel and other cover, but its price is among the highest here. Premiums start at AUD 76.45 against a site median of €8.37, and the pet excess of AUD 100 adds to the bill.
L'olivier Assurance Habitation
L'olivier Assurance Habitation is a French broker for readers who want car and home cover arranged through one provider, traceable under ORIAS number AJ-0213. Help runs on phone, email and chat and claims open separately on online, phone and email.
Score breakdown
| Area | Budget Direct | L'olivier Assurance Habitation |
|---|---|---|
| Cost | 8.8Premium starts at AUD 76.45, well above the €8.37 site median, so the cost case is weak. | Not confirmed |
| Offer | 9.4Higher | 9.2 |
| Trust | 9.3Higher | 8.8 |
Positions in our rankings
| Ranking | Budget Direct | L'olivier Assurance Habitation |
|---|---|---|
| Car insurance | 100 of 375 | 28 of 375 |
| Home insurance | 86 of 273 | 23 of 273 |
Which one suits you
Pick Budget Direct if trust and insurance types matter most.
Pick L'olivier Assurance Habitation if claims channels matter most.
Licences and countries
| Country | Budget Direct | L'olivier Assurance Habitation |
|---|---|---|
| Australia | Not confirmed | |
| France | Not confirmed | ORIAS AJ-0213 |
| Spain | Not confirmed | DGSFP A90354911 |
Additional countries for Budget Direct: 1. Additional countries for L'olivier Assurance Habitation: 2.
Sources behind this comparison
Budget Direct
- budgetdirect.com.au: 13 facts, checked September 26, 2026
L'olivier Assurance Habitation
- lolivier.fr: 7 facts, checked September 26, 2026
Every fact side by side
| Fact | Budget Direct | L'olivier Assurance Habitation |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Auto & General Services Pty Ltd | ADMIRAL INTERMEDIARY SERVICES SA (AIS SA), Lille Metropole RCS 842 188 310 |
| Headquarters | Australia | France |
| Founded | 2000 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | Budget Direct | L'olivier Assurance Habitation | Median |
|---|---|---|---|
| Excess from | A$100above the median | Not confirmed | A$0 |
Median across 7 listed insurance providers.
Pros and cons
Budget Direct
Pros
- One insurer covers auto, home and renters
- Monthly payments are available, so cash flow is easier to manage
- Support runs on phone, email and chat
Cons
- Premium of AUD 76.45 sits far above the €8.37 site median
- Claims run on phone and online, a narrower route than the phone, email and chat listed for general support
- Pet cover is capped at AUD 12,000-25,000 per year (pet insurance annual benefit limit; Plus up to $25,000, Essential $12,000) per year
L'olivier Assurance Habitation
Pros
- Car and home sit in the same auto and home set, so one broker can quote both policies.
- Support runs on phone, email and chat, which gives several ways to reach someone.
- The regulatory record is clear: ORIAS number AJ-0213 in France, plus DGSFP registration A90354911.
Cons
- Cover stops at car and home under auto and home, with no travel, health or pet line to add to the same basket.
- The driver personal accident guarantee reaches its higher level only with the Pack Securite or Pack Premium option, so the standard car quote sits at the lower benefit.
- Claims run on a narrower set than general help: online, phone and email does not carry the chat or help centre in phone, email and chat.
Who each suits
Budget Direct
Who it suits
- Australian households bundling car, home and pet policies
- Pet owners whose pet is within a minimum age and under a maximum age at first policy
- People who want monthly payments to spread the cost
Who should look elsewhere
- Cheap-first shoppers, since AUD 76.45 is well above the €8.37 site median
- People who want to claim by email or chat, as claims run on phone and online only
- Owners of older pets, outside the age range for a first policy
L'olivier Assurance Habitation
Who it suits
- Readers in FR who want car and home cover from a French broker.
- People who like a choice of contact routes, since support runs on phone, email and chat and claims open on online, phone and email.
- Motorists willing to add the Pack Securite or Pack Premium option for the higher driver personal accident guarantee.
Who should look elsewhere
- Anyone wanting travel, health, pet or life in one place is better served by Good Sam Insurance Agency, whose auto, home and renters is far broader.
- Renters and landlords should look at Hiscox UK, whose home, renters and landlord includes renters, landlord and home emergency cover.
- Drivers wanting gadget or travel cover beside the car can check Euroasia Insurance, whose auto, home and travel adds both.
Current offers
Budget Direct
Current offer
Discount code
15% Online Discount on first year's premium (car, home, motorcycle, pet, travel): 15%
New policy purchased or quoted online, first year only, no renewal, for policies quoted on or after 20 August 2026
Source, checked September 26, 2026
Discount code
Combined Discount on new combined Home and Contents policy: up to 15%
Home Building and Contents bought in a single transaction, first year only
Source, checked September 26, 2026
Discount code
Standalone Roadside Assistance online discount: 15%
First year's membership on a new Standalone Roadside Assistance membership purchased or quoted online; not when added to a car insurance policy
Source, checked September 26, 2026
Bonus
Life Insurance $100 eGift card: AUD 100
Eligible life policies with total annualised premium of at least $400 at issue, held 90 days with three months' premiums paid; promotion 8 July 2026 to 31 December 2026; one per customer
Source, checked September 26, 2026
L'olivier Assurance Habitation
Current offer
Bonus
Taxi Joker: one taxi ride per year: 50 EUR TTC, once per calendar year
Included with a car insurance contract
Source, checked September 26, 2026
Bonus
Locksmith costs covered up to EUR 300: Up to EUR 300 of travel, labour and spare parts
Keys of the main front door lost, stolen or broken, or door forced; proof of occupancy required
Source, checked September 26, 2026
Country by country
| Country | Budget Direct | L'olivier Assurance Habitation |
|---|---|---|
| Australia | Yes | No |
| France | No | Yes |
| Spain | No | Yes |
Questions about each
Budget Direct
What does Budget Direct cost as a starting premium?+
Premiums start at AUD 76.45. That is a high starting point, sitting well above the €8.37 median across the site. The pet policy also carries an excess starting at AUD 100, which adds to what a claim costs you.
Who is behind Budget Direct and is it regulated?+
The insurer is Auto & General Services Pty Ltd, an insurer based in Australia and trading since 2000. In Australia it is licensed by the Australian Securities and Investments Commission under licence 360138.
L'olivier Assurance Habitation
Is L'olivier an insurer or a broker?+
L'olivier is a broker, listed as broker, so policies sit with an insurer rather than with the brand itself. The trading entity named in the legal notices is ADMIRAL INTERMEDIARY SERVICES SA, registered in Lille Metropole. Quotes therefore arrive through an intermediary rather than a single underwriting company.
What products are on the menu?+
The listed lines are auto and home, so car and home are the products on the table. Nothing in that set covers travel, health, pet or life, which narrows the choice for anyone who wants a single provider for the whole household. Good Sam Insurance Agency carries a far wider auto, home and renters if breadth matters more.