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.
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.
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.
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
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
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
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.
they are quick and simple to deal with
Read full reviewthey are quick and simple to deal with
Really good company to deal with. Made the claim process very easy.
Read full reviewReally good company to deal with. Made the claim process very easy.
