Progressive Direct logo

Progressive Direct Comprehensive Insurance

Advertiser disclosure
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
n/a
Choice of repairer
No

Mozo editorial review Progressive Direct Comprehensive Insurance

Last updated: 26 February 2021.

binocular icon
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.

key icon
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.


snapshot
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.

question icon
Any catches

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

Details

Rates and fees information correct as at 5 March 2021. 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

  • n/a

  • Multi-car discount

  • No Protection of maximum no claim discount available.

  • n/a

Service features
  • Optional Extra

  • No

  • Yes

  • 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.

  • n/a

Coverage summary
  • Agreed

  • Yes - within 1 year of original registration

  • No

  • 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.

  • No

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

  • No

  • No

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

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

Overall
7.9/10
Value for money
8.4/10
Policy coverage
7.7/10
Customer service
6.8/10
Claims handling
6.7/10
Trust
7.4/10

Latest reviews of Progressive Direct Comprehensive Insurance

Thumbnail icon for Progressive Direct

About Progressive Direct

See Progressive Direct car insurance