{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "budget-direct",
  "name": "Budget Direct",
  "website": "https://www.budgetdirect.com.au/",
  "kind": "brand",
  "underwriter": "Auto & General Insurance Company Limited",
  "underwriter_abn": "42111586353",
  "underwriter_afsl": "285571",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Budget Direct Home Building Insurance",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": 25,
    "flood": "optional",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Owner-occupiers and landlords of free-standing houses, townhouses, duplexes, terraces or villas; not strata (unless freestanding), and not homes in the NT or above the Tropic of Capricorn.",
    "states": null,
    "documents": [
     {
      "title": "Home and Contents Insurance PDS (prepared 21 September 2023)",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "date": "2023-09-21"
     },
     {
      "title": "Supplementary PDS (prepared 5 March 2026)",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/20260625_SPDSBUDD.pdf",
      "date": "2026-03-05"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf",
      "date": null
     },
     {
      "title": "Target Market Determination (home)",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/TMD.pdf",
      "date": "2025-07-10"
     }
    ],
    "quotes": {
     "product": {
      "text": "Budget Direct Home Building Insurance covers your house and outbuildings against loss or damage caused by the following insured events:",
      "url": "https://www.budgetdirect.com.au/home-contents-insurance/building-insurance.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Budget Direct Home Building Insurance covers your house and outbuildings against loss or damage caused by the following insured events:",
       "url": "https://www.budgetdirect.com.au/home-contents-insurance/building-insurance.html#:~:text=Budget%20Direct%20Home%20Building%20Insurance,by%20the%20following%20insured%20events%3A",
       "document_sha256": "0a9eb44ae08a7e11f1a862b883e3cc75c758f6236ef8258d07bd51ada4437229",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.",
      "url": "https://www.budgetdirect.com.au/home-contents-insurance/building-insurance.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.",
       "url": "https://www.budgetdirect.com.au/home-contents-insurance/building-insurance.html#:~:text=The%20Online%20Discount%20is%20available,quote%20reference%20number%20if%20requested.",
       "document_sha256": "0a9eb44ae08a7e11f1a862b883e3cc75c758f6236ef8258d07bd51ada4437229",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=58",
       "page": 58,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood is not automatically covered but you can apply for optional Flood cover.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood is not automatically covered but you can apply for optional Flood cover.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=9",
       "page": 9,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "If you want cover for accidents like these, you'll need Accidental Damage cover.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you want cover for accidents like these, you'll need Accidental Damage cover.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=9",
       "page": 9,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/TMD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.",
       "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/TMD.pdf#page=2",
       "page": 2,
       "document_sha256": "853f4b83a046c5e379d23a2176859d078fd4ef5711a5e3c8908adc6970bb0351",
       "confirmed": "2026-11-13"
      }
     },
     "buffer_percent": {
      "text": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=58",
       "page": 58,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=16",
       "page": 16,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Sum Insured Safeguard is an optional cover that increases the home sum insured payout by up to 25%.",
     "Flood is not automatically covered; optional Flood cover is subject to underwriting criteria.",
     "Not available for homes in the NT or above the Tropic of Capricorn (excluding Greater Rockhampton)."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced. Unoccupied means nobody sleeping or living there two or more days in a row.",
     "then": {
      "days": 180,
      "effect": "no_cover"
     },
     "label": "Extra $1,000 excess after 60 days; no cover at all after 180 days"
    },
    "id": "home-building-insurance",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Auto & General Insurance Company Limited",
      "abn": "42111586353",
      "afsl": "285571",
      "lloyds": false,
      "slug": "auto-and-general-insurance",
      "apra": {
       "status": "authorised",
       "name": "Auto & General Insurance Company Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "285571",
       "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED",
       "abn": "42111586353",
       "acn": null,
       "licensed_since": "2005-06-15",
       "locality": "Toowong QLD 4066",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Budget Direct Landlord Insurance",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": 25,
    "flood": "optional",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Owner-occupiers and landlords of free-standing houses, townhouses, duplexes, terraces or villas; not strata (unless freestanding), and not homes in the NT or above the Tropic of Capricorn.",
    "states": null,
    "documents": [
     {
      "title": "Home and Contents Insurance PDS (prepared 21 September 2023)",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "date": "2023-09-21"
     },
     {
      "title": "Supplementary PDS (prepared 5 March 2026)",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/20260625_SPDSBUDD.pdf",
      "date": "2026-03-05"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf",
      "date": null
     },
     {
      "title": "Target Market Determination (home)",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/TMD.pdf",
      "date": "2025-07-10"
     }
    ],
    "quotes": {
     "product": {
      "text": "Budget Direct's Landlord Insurance is similar to our Home and Contents Insurance but with additional optional covers like Tenant Default and Theft and Malicious Damage by Tenants.",
      "url": "https://www.budgetdirect.com.au/home-contents-insurance/landlord-insurance.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Budget Direct's Landlord Insurance is similar to our Home and Contents Insurance but with additional optional covers like Tenant Default and Theft and Malicious Damage by Tenants.",
       "url": "https://www.budgetdirect.com.au/home-contents-insurance/landlord-insurance.html#:~:text=Budget%20Direct%27s%20Landlord%20Insurance%20is,and%20Malicious%20Damage%20by%20Tenants.",
       "document_sha256": "d23859602caaa6695358dcd384ea51574440aec638306d00235a67908af76320",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.",
      "url": "https://www.budgetdirect.com.au/home-contents-insurance/landlord-insurance.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.",
       "url": "https://www.budgetdirect.com.au/home-contents-insurance/landlord-insurance.html#:~:text=The%20Online%20Discount%20is%20available,quote%20reference%20number%20if%20requested.",
       "document_sha256": "d23859602caaa6695358dcd384ea51574440aec638306d00235a67908af76320",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=58",
       "page": 58,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood is not automatically covered but you can apply for optional Flood cover.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood is not automatically covered but you can apply for optional Flood cover.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=9",
       "page": 9,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "If you want cover for accidents like these, you'll need Accidental Damage cover.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If you want cover for accidents like these, you'll need Accidental Damage cover.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=9",
       "page": 9,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/TMD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.",
       "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/TMD.pdf#page=2",
       "page": 2,
       "document_sha256": "853f4b83a046c5e379d23a2176859d078fd4ef5711a5e3c8908adc6970bb0351",
       "confirmed": "2026-11-13"
      }
     },
     "buffer_percent": {
      "text": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If the cost exceeds your sum insured, this option will increase the amount we pay by up to an additional 25% of the sum insured stated on your Insurance Certificate.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=58",
       "page": 58,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/BUDD/legal/home/HPDSBUDD.pdf#page=16",
       "page": 16,
       "document_sha256": "64c29ed8a2f6ff5d4212f6fb1616abcc07fa9691a669b0b1f5af4063a9d9c44e",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Sum Insured Safeguard is an optional cover that increases the home sum insured payout by up to 25%.",
     "Flood is not automatically covered; optional Flood cover is subject to underwriting criteria.",
     "Not available for homes in the NT or above the Tropic of Capricorn (excluding Greater Rockhampton).",
     "Landlord Options (tenant default; theft and malicious damage by tenants) are optional extras in the same PDS."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced. Unoccupied means nobody sleeping or living there two or more days in a row.",
     "then": {
      "days": 180,
      "effect": "no_cover"
     },
     "label": "Extra $1,000 excess after 60 days; no cover at all after 180 days"
    },
    "id": "landlord-insurance",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Auto & General Insurance Company Limited",
      "abn": "42111586353",
      "afsl": "285571",
      "lloyds": false,
      "slug": "auto-and-general-insurance",
      "apra": {
       "status": "authorised",
       "name": "Auto & General Insurance Company Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "285571",
       "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED",
       "abn": "42111586353",
       "acn": null,
       "licensed_since": "2005-06-15",
       "locality": "Toowong QLD 4066",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "This SPDS is issued by Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571.",
    "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/20260625_SPDSBUDD.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This SPDS is issued by Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571.",
     "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/BUDD/legal/home/20260625_SPDSBUDD.pdf#page=1",
     "page": 1,
     "document_sha256": "0da98d7b924755a0f951bafde2cee62787d45fc5a6ba8caa6475177da611aada",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Budget Direct is owned by Auto & General Services Pty Ltd (AGS); AGIC issues the policy. One PDS (prepared 21 Sept 2023, with a 2026 supplementary PDS) covers Home, Contents and Landlord cover. Key Facts Sheet is the generic A&G home building KFS (not brand-specific). The PDS lists Sum Insured Safeguard (optional, up to 25% extra) so cover basis is recorded as 'choice'.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Auto & General Insurance Company Limited",
    "abn": "42111586353",
    "afsl": "285571",
    "lloyds": false,
    "slug": "auto-and-general-insurance",
    "apra": {
     "status": "authorised",
     "name": "Auto & General Insurance Company Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "285571",
     "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED",
     "abn": "42111586353",
     "acn": null,
     "licensed_since": "2005-06-15",
     "locality": "Toowong QLD 4066",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/budget-direct/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/budget-direct.json"
 }
}