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Progressive Direct Comprehensive Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
Choice of repairer

Mozo editorial review Progressive Direct Comprehensive Insurance - last updated: 26 February 2021

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What's hot
  • 24/7 claims service
  • Free windscreen cover
  • Optional excess buster
What's not
  • $850 unlisted driver excess
  • Up to $850 young driver excess
Mozo snapshot

If you’re after a top level of cover and don’t mind managing your car insurance online, Progressive Comprehensive Insurance is a policy that you should absolutely consider. This Comprehensive Insurance policy gives you a flexible choice of excess alongside a number of optional extras and a 'Claims Free Discount' that means your annual premium doesn’t have to be so pricey.

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Key features

This policy comes with all of the features you’d expect from a complete comprehensive car insurance policy. For example, you’ll be covered for excess-free windscreen repair should yours be chipped and you’ll also have the control to come to an agreed value of your car with Progressive. This policy also offers up to $500 worth of cover for emergency repairs, which will enable your car to be driven home after it has been damaged in a covered incident.

There are a few things that aren’t automatically covered with Progressive’s Comprehensive Insurance, however. While you will be covered for any modifications made by a dealership at the time of sale, you won’t be covered for any modifications made after that. It is also important to note that while the costs of a rental car are covered following theft, you’ll need to opt in for rental costs to be covered after an accident.

You can also add roadside assistance to your policy for an extra $89 a year.

You'll also be able to take advantage of other optional extras: replacement of your windscreen or window glass if it's damaged by an insured event, and an excess buster which allows one excess to be waived in your cover period, given that the cost of repair is over the standard excess amount.

Finally, keep in mind that Progressive rewards customers who pay their premiums in full, so monthly premium payments will cost you some extra cash.

Who is it good for

Progressive is a 100% online company so its Comprehensive Insurance could be an attractive option for you if you enjoy managing your insurance policies online. It is particularly good value if you have a number of cars and can make the most of Progressive’s multi-car discount.

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Any catches

Be aware of the $850 unlisted and young driver excesses that you may need to pay in the event of an accident. 


Rates and fees information correct as at 2 July 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes costs extra

$400 - $2,000

$850 for listed drivers under 21, $450 for listed drivers under 25, $450 for inexperienced drivers over 24.

Not disclosed (TAS)
Not disclosed (NSW)
Not disclosed (SA)
Not disclosed (QLD)
Not disclosed (ACT)
Not disclosed (WA)
Not disclosed (NT)
Not disclosed (VIC)

5 years


Multi-car discount

No Protection of maximum no claim discount available.


Service features

Optional Extra



Excess Buster Optional Extra available for a waiver on the first standard excess per cover period where the repair cost is greater than the standard excess.


Coverage summary


Yes - within 1 year of original registration


Yes - Optional Extra ($0 excess for repair only).

Up to $500

Reasonable towing costs.

Yes - Up to 14 days.

Not at fault - Optional Extra. At fault - Optional Extra. Up to 14 days.

Yes - legal liability cover when using a substitute vehicle.

Up to $1,000 for trailer only.

Up to $1,000 if stolen.


Option to cover some aftermarket accessories only. Does not include aftermarket modifications.



Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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