Progressive Direct car insurance

Progressive Direct car insurance

Progressive Direct car insurance comparisons for December 2022 | Mozo

With car insurance experience dating back to 1937 and an easy to use, online platform, Progressive Direct really lives up to its name. Plus, it specialises in car insurance, so you know you’re getting a policy written by experts, and at a great price too!

Check out the details of a Progressive Direct car insurance policy below:

Progressive Direct car insurance
Progressive Direct car insurance

Progressive Direct offers the following car insurance policies Disclaimer Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

‘Sponsored’, ‘Hot deal’ and ‘Featured Product’ labels denote products where the provider has paid to advertise more prominently.

‘Mozo sort order’ refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.

Learn more about Mozo. Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer Comprehensive Insurance

Yes costs extra

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No

What’s covered?

The first thing on your mind is probably what kind of protection you’ll get with Progressive Direct. Here are some of the main things you can expect to have cover for:

  • A new car if yours is written off (within 1 year of original rego)
  • Personal property
  • Damage to your windscreen – if it’s just a repair, you’ll pay no excess
  • Emergency repairs without assessment (up to a certain amount)
  • Towing costs
  • Travel expenses and a night of accommodation in an emergency
  • The cost of a hire car when yours is stolen (cover for a hire car after an accident is an optional extra)
  • Rental car liability
  • Cover for a trailer, replacement keys, and baby seats
  • Cover for vet fees or accidental death of a pet

What’s not?

In a perfect world, your car insurance policy would cover every little thing you could think of. But unfortunately, there are a few exclusions to your Progressive Direct policy, including:

  • Roadside assistance
  • Cover for caravans
  • Damage to commercial signage
  • General wear and tear from age and use

Keep in mind that any modifications aren’t covered under your policy unless you have it in writing. Adding cover for these extras will likely raise your premium as well.

How much does Progressive Direct car insurance cost?

Insurance premiums can take a real toll on your budget’s bottom line if you don’t take the time to compare your options and find a policy that will give you the right level of cover for a decent price.

Here are the main factors that will affect the cost of your Progressive Direct insurance:

Premium

The premium is basically the price tag applied to an insurance policy. It’s based on how likely the insurance provider thinks it is that you will make a claim – the more likely it is, the higher your premium will generally be.

When Progressive Direct determines your premium, it might be based on factors including:

  • What kind of car is it?
  • Who drives the car?
  • Where is it kept when not in use?

Discounts

Luckily, there are a range of discounts on offer from Progressive Direct to help keep your insurance costs low. These include your no claims discount – which is decided on a state-by-state basis – as well as a multi-car discount for if you take out more than one car insurance policy.

Other discounts that might apply to you include:

  • Homeowners discount
  • Graduate discount
  • Early shopper discount
  • Paid in full discount

Excess

Another expense to consider is the excess. When you make a claim, you’ll have to pay this before your insurance will kick in.

At Progressive Direct, you can choose a low or high excess, but remember that the lower your excess, the higher your premium will be.

You should also keep in mind that there are extra excesses applied to young drivers, or drivers who haven’t held a licence for very long.

How do I pay my premium?

With Progressive Direct, you can pay your premium all at once in a lump sum, or you can choose to pay in monthly installments. Just keep in mind, if you choose to take advantage of this flexible option, it will cost more.

You can pay your Progressive Direct premium securely online – and the best part about that is that you’ll get your certificate of insurance straight away, and print it if you want to.

How is Progressive Direct rated by customers?

Enough of us talking! We’ve rounded up the opinions of regular people who took out a car insurance policy with Progressive Direct so you can hear what they think. Check out how they rate their experience in terms of things like trust, policy coverage and price in our customer review section.

Making a claim

If you have an accident and need to make a claim on your Progressive Direct car insurance, then you can do it online through your Progressive Direct account, or by calling the claims service.

One handy thing to know is that as long as you use Progressive Direct’s preferred repairers you won’t have to run around getting quotes on repairs – they’ll handle all that for you.

When you make a claim, remember to have some important details handy, including:

  • Your policy number.
  • Your personal contact details.
  • The details of anyone involved in the incident, including name, phone number, address, registration details, and insurance details if known.
  • Any official documents related to the incident (e.g. medical or police reports).

How is Progressive Direct car insurance rated?

Mozo users have rated Progressive Direct car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurancesProgressive Direct car insurance

72 Reviews

Recent Progressive Direct car insurance reviews Progressive Direct Comprehensive Insurance Poor Delivery

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 review

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

Less

Sam, New South Wales, reviewed almost 2 years ago

Progressive Direct Comprehensive Insurance Great insurance with lots of coverage.

They were happy to beat the competitor I was with and guaranteed my insurance claims are WYSIWYG.

Read full review

They were happy to beat the competitor I was with and guaranteed my insurance claims are WYSIWYG.

Less

Robert, New South Wales, reviewed about 2 years ago

Progressive Direct Comprehensive Insurance 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?).

Less

Zak, New South Wales, 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.

Car insurance quick links

Disclaimer Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

‘Sponsored’, ‘Hot deal’ and ‘Featured Product’ labels denote products where the provider has paid to advertise more prominently.

‘Mozo sort order’ refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.

Learn more about Mozo. Disclaimer Important information on terms, conditions and sub-limits

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.

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