Progressive Direct - Comprehensive Insurance

Progressive Direct Comprehensive Insurance Review

Rates and fees information correct as at 24 September 2018.

Review published: 20 September 2017

What's hot:

  • Multi-car discount

  • Homeowners discount

  • 24/7 claims service

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 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
8.0

Based on 68
Progressive Direct car insurance reviews

8.6 7.8 6.9 6.9 7.5

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, Western Australia, reviewed 7 months ago

Progressive Direct

Progressive Direct Comprehensive Insurance car insurance review

Overall rating   7 / 10

Great price and easy to deal with

they are quick and simple to deal with

Full review

they are quick and simple to deal with

    Value for money   7 / 10

Less

Scott, New South Wales, reviewed about 1 year 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

Less

Justine, Queensland, reviewed about 1 year ago

Progressive Direct

Progressive Direct Comprehensive Insurance car insurance review

Overall rating   10 / 10

    Value for money   10 / 10

Less

Anthony, Victoria, reviewed over 1 year ago

Progressive Direct

Progressive Direct Comprehensive Insurance car insurance review

Overall rating   10 / 10

Easy to apply and very good for pricing

Easy to apply and very good for pricing

Full review

Easy to apply and very good for pricing

    Value for money   10 / 10

Less

Sarah, Victoria, reviewed almost 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 listed drivers under 21, $450 for listed drivers under 24, $850 for unlisted drivers, $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.

  • Home Owners Discount|Graduate Discount|Early Shopper Discount|Paid in Full Discount

Service features

  • none

  • none

Coverage summary

  • Agreed

  • - within 1 year of original registration

  • Up to $500 if damaged.

  • Yes - standard excess ($0 excess for repair only).

  • Up to $500

  • Reasonable towing costs.

  • - Up to 14 days.

  • Optional Extra - Up to 14 days.

  • Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

  • Up to $1,000 for trailer only.

  • Up to $1,000 if stolen.

  • Up to $500

  • Option to cover some aftermarket accessories only. 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)

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