Progressive Direct car insurance

With car insurance experience dating back to 1937 and an easy to use, online platform, Progressive Direct really lives up to its name. Plus, it specialises in car insurance, so you know you’re getting a policy written by experts, and at a great price too!

Check out the details of a Progressive Direct car insurance policy below:

Progressive Direct offers the following car insurance policies

Cover information and limits in the table below verified as correct at 24 June 2024. Other information correct at the time of writing.
Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Insurance

Yes costs extra

Not Published

n/a

No

What’s covered?

The first thing on your mind is probably what kind of protection you’ll get with Progressive Direct. Here are some of the main things you can expect to have cover for:

  • A new car if yours is written off (within 1 year of original rego)
  • Personal property
  • Damage to your windscreen - if it’s just a repair, you’ll pay no excess
  • Emergency repairs without assessment (up to a certain amount)
  • Towing costs
  • Travel expenses and a night of accommodation in an emergency
  • The cost of a hire car when yours is stolen (cover for a hire car after an accident is an optional extra)
  • Rental car liability
  • Cover for a trailer, replacement keys, and baby seats
  • Cover for vet fees or accidental death of a pet

What’s not?

In a perfect world, your car insurance policy would cover every little thing you could think of. But unfortunately, there are a few exclusions to your Progressive Direct policy, including:

  • Roadside assistance
  • Cover for caravans
  • Damage to commercial signage
  • General wear and tear from age and use

Keep in mind that any modifications aren’t covered under your policy unless you have it in writing. Adding cover for these extras will likely raise your premium as well.

How much does Progressive Direct car insurance cost?

Insurance premiums can take a real toll on your budget’s bottom line if you don’t take the time to compare your options and find a policy that will give you the right level of cover for a decent price.

Here are the main factors that will affect the cost of your Progressive Direct insurance:

Premium

The premium is basically the price tag applied to an insurance policy. It’s based on how likely the insurance provider thinks it is that you will make a claim - the more likely it is, the higher your premium will generally be.

When Progressive Direct determines your premium, it might be based on factors including:

  • What kind of car is it?
  • Who drives the car?
  • Where is it kept when not in use?

Discounts

Luckily, there are a range of discounts on offer from Progressive Direct to help keep your insurance costs low. These include your no claims discount - which is decided on a state-by-state basis - as well as a multi-car discount for if you take out more than one car insurance policy.

Other discounts that might apply to you include:

  • Homeowners discount
  • Graduate discount
  • Early shopper discount
  • Paid in full discount

Excess

Another expense to consider is the excess. When you make a claim, you’ll have to pay this before your insurance will kick in.

At Progressive Direct, you can choose a low or high excess, but remember that the lower your excess, the higher your premium will be.

You should also keep in mind that there are extra excesses applied to young drivers, or drivers who haven’t held a licence for very long.

How do I pay my premium?

With Progressive Direct, you can pay your premium all at once in a lump sum, or you can choose to pay in monthly installments. Just keep in mind, if you choose to take advantage of this flexible option, it will cost more.

You can pay your Progressive Direct premium securely online - and the best part about that is that you’ll get your certificate of insurance straight away, and print it if you want to.

How is Progressive Direct rated by customers?

Enough of us talking! We’ve rounded up the opinions of regular people who took out a car insurance policy with Progressive Direct so you can hear what they think. Check out how they rate their experience in terms of things like trust, policy coverage and price in our customer review section

Making a claim

If you have an accident and need to make a claim on your Progressive Direct car insurance, then you can do it online through your Progressive Direct account, or by calling the claims service.

One handy thing to know is that as long as you use Progressive Direct’s preferred repairers you won’t have to run around getting quotes on repairs - they’ll handle all that for you.

When you make a claim, remember to have some important details handy, including:

  • Your policy number.
  • Your personal contact details.
  • The details of anyone involved in the incident, including name, phone number, address, registration details, and insurance details if known.
  • Any official documents related to the incident (e.g. medical or police reports).

How is Progressive Direct car insurance rated?

Mozo users have rated Progressive Direct car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
Progressive Direct car insurance customer reviews
Overall
7.8/10
Value for money
8.3/10
Policy coverage
7.6/10
Customer service
6.8/10
Claims handling
6.5/10
Trust
7.3/10
Based on 73 Progressive Direct product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Progressive Direct car insurance reviews

Progressive Direct Car Insurance
Overall 2/10
Prove you are not really a bad driver, customer!

If you are at fault in an accident, they will demand a driving record report from you. Not the experience I want to deal with again. The reason I have insurance is because I pay people to deal with situations like this when I am in a vulnerable state...

Read full review

If you are at fault in an accident, they will demand a driving record report from you. Not the experience I want to deal with again. The reason I have insurance is because I pay people to deal with situations like this when I am in a vulnerable state...

Value for money
5/10
Policy coverage
2/10
Customer service
1/10
Claims handling
2/10
Trust
1/10
Less
Glenn, New South Wales, reviewed 11 months ago
Progressive Direct Comprehensive Insurance
Overall 1/10
Poor Delivery

DO NOT use these guys i had a horror run with these guys and i was not at fault at the time of accident they declined my claim as they cant be bothered to help what a joke

Read full review

DO NOT use these guys i had a horror run with these guys and i was not at fault at the time of accident they declined my claim as they cant be bothered to help what a joke

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Sam, New South Wales, reviewed over 3 years ago
Progressive Direct Comprehensive Insurance
Overall 10/10
Great insurance with lots of coverage.

They were happy to beat the competitor I was with and guaranteed my insurance claims are WYSIWYG.

Read full review

They were happy to beat the competitor I was with and guaranteed my insurance claims are WYSIWYG.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Robert, New South Wales, reviewed over 3 years ago
Progressive Direct Comprehensive Insurance
Overall 10/10
Good value

Good value

Read full review

Good value

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Janette, South Australia, reviewed over 3 years ago
See all car insurance reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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