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.
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.
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.
Be aware of the $850 unlisted and young driver excesses that you may need to pay in the event of an accident.
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Yes costs extra |
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$400 - $2,000 |
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$1,000 additional excess for drivers under 35, $1,000 for inexperienced drivers (passed less than 5 years ago), $3,000 for unlisted drivers. |
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Not disclosed (TAS) |
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5 years |
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n/a |
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Multi-car discount |
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Assessed on claims history of each driver. |
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n/a |
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Optional Extra |
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No |
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Yes |
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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. |
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n/a |
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SA VIC NT TAS NSW ACT QLD WA |
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Agreed |
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Yes - within 12 months of original new car registration and less than 20,000km travelled |
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Optional Extra - up to $750. |
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Yes - standard excess. Option to reduce excess to $0 for first windscreen claim each year for an additional premium, cover up to $1,000 for replacement windscreen or window glass. |
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Up to $500 |
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Reasonable towing costs. |
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Yes - Up to 14 days, maximum $50 per day. |
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Not at fault - Optional Extra, up to 14 days, maximum $50 per day. At fault - Optional Extra. Up to 14 days, maximum $50 per day. |
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No |
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Up to $500, for unbraked trailers or caravans weighing up to 750kg. |
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No |
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Optional Extra - up to $750, combined with personal property. |
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Covered only if agreed in writing. |
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$500 to your estate if due to a direct result of any of the following: collision or impact, fire, flood, malicious act, hail and storm, theft or attempted theft. |
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No |
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
DO NOT use these guys i had a horror run with these guys and i was not at fault at the time of accident they declined my claim as they cant be bothered to help what a joke
Read full reviewDO NOT use these guys i had a horror run with these guys and i was not at fault at the time of accident they declined my claim as they cant be bothered to help what a joke
They were happy to beat the competitor I was with and guaranteed my insurance claims are WYSIWYG.
Read full reviewThey were happy to beat the competitor I was with and guaranteed my insurance claims are WYSIWYG.
Good value
Read full reviewGood value
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 reviewProgressive 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?).
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 reviewProgressive Direct are number one for service and claims, we have had two claims with them and they did all the work for us, awesome.