Progressive Direct - Comprehensive Insurance

Progressive Direct Comprehensive Insurance Review

Review published: 20 September 2017

What's hot:

  • 2017 Mozo Experts Choice Winner

  • Multi-car discount

  • Homeowners discount

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. A Mozo Experts Choice winner in 2017 for Exceptional Value, Comprehensive Insurance 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.

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

Product Type Overall Rating Price Features Service Claims Handling Trust
7.8

Based on 35
Progressive Direct car insurance reviews

8.5 7.6 6.7 6.6 7.3

Read Progressive Direct car insurance reviews by the Mozo community

Latest reviews of Progressive Direct Comprehensive Insurance

Progressive Direct

Progressive Direct Comprehensive Insurance car insurance review

Overall rating   10 / 10

Awesome customer service

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.

Full review

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

Less

Julie (WA), reviewed 2 months ago

Progressive Direct

Progressive Direct Comprehensive Insurance car insurance review

Overall rating   10 / 10

Amazing customer service

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

Full review

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

    Value for money   10 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Justine (QLD), reviewed 10 months ago

Progressive Direct

Progressive Direct Comprehensive Insurance car insurance review

Overall rating   10 / 10

I'm extremely happy with Progressive

Progressive are great value for money and the application process is easy. Their online portal is easy to navigate and their product is comprehensive. I saved $600 changing to Progressive.

Full review

Progressive are great value for money and the application process is easy. Their online portal is easy to navigate and their product is comprehensive. I saved $600 changing to Progressive.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Karlie (VIC), reviewed about 2 years ago

Progressive Direct

Progressive Direct Comprehensive Insurance car insurance review

Overall rating   6 / 10

Quick and eaay

All good.

Full review

All good.

    Value for money   6 / 10

    Policy coverage   7 / 10

    Customer service   5 / 10

    Claims handling   -1 / 10

    Trust   -1 / 10

Less

Robyn (VIC), reviewed over 2 years ago

Progressive Direct

Progressive Direct Comprehensive Insurance car insurance review

Overall rating   9 / 10

Competitive premiums easy sign up.

Very competitive premiums and very easy to sign up.

Full review

Very competitive premiums and very easy to sign up.

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   8 / 10

    Claims handling   8 / 10

    Trust   9 / 10

Less

Kimberlee (NSW), reviewed over 2 years ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Discounts and excesses

  • costs extra

  • $500 - $2,000

  • $850 for drivers under 21 or $450 under 24. $850 for unlisted drivers. $450 for drivers over 25 licensed for less than 2 years.

  • 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

  • Up to $1,000 for vet fees, $1,000 in death benefit of a pet (cat/dog).

  • none

Coverage summary

  • Agreed

  • - within 1 year of original registration

  • Up to $500 cover when car damaged.

  • No excess if repair only

  • Up to $500

  • Reasonable towing cost.

  • - Rental car provided by Progressive, up to 14 days.

  • Optional extra - Provided by insurer for up to 14 days

  • Covered including accidental loss or damage for rentals, legal liability cover when using substitute

  • Up to $1,000, trailer only

  • Up to $1,000 if stolen

  • Up to $500 if stolen or damaged.

  • Includes those made by dealership at time of original sale; does not include aftermarket modifications

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).

(*as voted by the Mozo community)

Compare other car insurance
Advertisement