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Progressive Direct Comprehensive Insurance

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: 21 August 2020.

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What's hot
  • 24/7 claims service
  • Free windscreen cover
  • 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. The Comprehensive Insurance policy gives you a flexible choice of excess alongside a number of optional extras and a no claims bonus scheme 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. 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.

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 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.


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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. 

Details

Rates and fees information correct as at 27 September 2020. 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
6.8/10
Trust
7.4/10

Latest reviews of Progressive Direct Comprehensive Insurance

  • Overall 1/10
    Making things difficult and drag them out.

    Progressive called the tow truck driver to ask questions of the night... not the police?? Every time I lodge a form via email they don't read it. You have to call after and get actual acknowledgement of the email or it will just sit unread. When asked they just say we are a call centre first (they why email?).

    Read full review

    Progressive called the tow truck driver to ask questions of the night... not the police?? Every time I lodge a form via email they don't read it. You have to call after and get actual acknowledgement of the email or it will just sit unread. When asked they just say we are a call centre first (they why email?).

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Zak, New South Wales reviewed 2 months ago
  • Overall 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.

    Read 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, Western Australia reviewed over 2 years ago
  • Overall 7/10
    Great price and easy to deal with

    they are quick and simple to deal with

    Read full review

    they are quick and simple to deal with

    Value for money
    7/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Scott, New South Wales reviewed about 3 years ago
  • Overall 10/10
    Amazing customer service

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

    Read full review

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

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Justine, Queensland reviewed over 3 years ago
  • Overall 10/10

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Anthony, Victoria reviewed over 3 years ago
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