# I’m an insurance expert and these are the companies Australians should never use and their dirty tricks including Budget Direct, Qantas and Coles

- URL: https://talkfuse.com/story/im-an-insurance-expert-and-these-are-the-companies-australians-should-never-use-and-their-dirty-tricks-including-budget-direct-qantas-and-coles/
- Published: 2026-10-26T21:04:16+00:00
- Updated: 2026-10-26T21:14:24+00:00
- Original publisher: Daily Mail (publisher lean: Right)
- Original article: https://www.dailymail.com/news/article-16237885/qantas-budget-direct-coles.html?ns_mchannel=rss&ns_campaign=1490&ito=1490
- Topics: World

## Key points

- Luke Dugdell criticised Auto & General insurance brands.
- He alleges a homeowner was kept from a mould-related document.
- He wants laws requiring insurers to disclose relevant records.

## Summary

Former insurance risk and compliance executive Luke Dugdell has criticised several Australian insurers, saying he would not choose brands operated by Auto & General, including Budget Direct, Qantas Insurance and Coles Insurance. He alleges some insurers treat customers unfairly when claims are made and says stronger legal requirements are needed to make relevant information available.

Dugdell, who now runs claims assistance company Claims Hero, described a case in which a homeowner allegedly learnt two years later that an insurer had a document about restoration work that may have addressed mould. He says requests for the document under the General Insurance Code of Practice and Privacy Act were refused. He also criticised broadly worded “good condition” clauses, though the supplied article text ends before explaining that issue in detail.

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Summarised by TalkFuse (https://talkfuse.com/). Quote the original publisher for the reporting and link this page for the summary and discussion.