Progressive Direct Comprehensive Insurance

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.