Progressive Direct Comprehensive Insurance

costs extra

Not Published

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Progressive Direct Comprehensive Insurance

costs extra

Not Published

n/a

Mozo Review   Progressive Direct Comprehensive Insurance Review

Last updated: 5 September 2018.

What's hot:
  • Multi-car discount

  • Homeowners discount

  • 24/7 claims service

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. The Comprehensive Insurance policy gives you a flexible choice of excess alongside a number of discounts and a no claims bonus scheme that means your annual premium doesn’t have to be so pricey.

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. More than that though, any personal property in your car during an accident is also covered up to the value of $500 and you’re covered for a further $500 to cover any damaged to baby seats or capsules. You’ll also get a generous $1000 to cover any damage to a trailer if you own one and it is damaged during an accident.

All this cover comes at a competitive price, especially when you’re able to make the most of Progressive’s car insurance discounts. To start with, by insuring more than one car on this policy you’ll be eligible for a discount and just by owning a home, unit or flat you’ll be able to save even more money on your premium. There are further discounts for graduates and those that shop around early and grab a quote for Progressive before their current insurance policy ends.

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.

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 it's 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.

Any catches?

Be aware of the $850 unlisted and young driver excesses that you may need to pay in the event of an accident. Also, being an online-only company, you won’t have access to roadside assistance through Progressive.

Details

Rates and fees information correct as at 19 March 2019. 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
  • costs extra

  • $500 - $2,000

  • $850 for listed drivers under 21, $450 for listed drivers under 24, $850 for unlisted drivers, $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

  • n/a

  • Multi-car discount

  • No Protection of maximum no claim discount available.

  • Home Owners Discount|Graduate Discount|Early Shopper Discount|Paid in Full Discount

Service features
  • none

  • none

Coverage summary
  • Agreed

  • - within 1 year of original registration

  • Up to $500 if damaged.

  • Yes - standard excess ($0 excess for repair only).

  • Up to $500

  • Reasonable towing costs.

  • - Up to 14 days.

  • Optional Extra - Up to 14 days.

  • Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

  • Up to $1,000 for trailer only.

  • Up to $1,000 if stolen.

  • Up to $500

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

(*as voted by the Mozo community)

Customer Reviews

How are Progressive Direct car insurance rated by the Mozo community?

Overall customer rating
8.0/10
Value for money
8.6/10
Policy coverage
7.8/10
Customer service
6.9/10
Claims handling
6.9/10
Trust
7.5/10

Latest reviews of Progressive Direct Comprehensive Insurance

  • Overall
    10/10
    Awesome customer service

    Progressive Direct are number one for service and claims, we have had two claims with them and...

    Progressive Direct are number one for service and claims, we have had two claims with them and they did all the work for us, awesome.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Julie | Western Australia

    reviewed about 1 year ago

  • Overall
    7/10
    Great price and easy to deal with

    they are quick and simple to deal with

    they are quick and simple to deal with

    Value for money
    7/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Scott | New South Wales

    reviewed over 1 year ago

  • Overall
    10/10
    Amazing customer service

    Really good company to deal with. Made the claim process very easy.

    Really good company to deal with. Made the claim process very easy.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Justine | Queensland

    reviewed over 1 year ago

  • Overall
    10/10

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Anthony | Victoria

    reviewed about 2 years ago

  • Overall
    10/10
    Easy to apply and very good for pricing

    Easy to apply and very good for pricing

    Easy to apply and very good for pricing

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Sarah | Victoria

    reviewed about 2 years ago

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