Familiar cover at not-so-familiar prices
Our goal is to use all the advantages of the Internet to provide first-rate, hassle-free car insurance cover at an affordable price. As with traditional car insurance you’re used to, we offer three types of online car insurance cover — Comprehensive, Third Party Property Damage, and Third Party Fire and Theft — so that you can choose the right one based on affordability and level of protection.

1. Comprehensive provides our most complete car insurance cover. It covers your car for loss or damage caused by an accident, theft, or fire. And you're also covered for damage that your car causes to someone else's vehicle or property.

   We've included important extras in this affordable package you should expect, including:

   • access to our national network of preferred repairers
   • our Lifetime Repair Guarantee
   • a replacement vehicle (if yours is less than 12 months old) or agreed value for your car if it's stolen or a write-off
   • a rental car if your car is stolen
   • emergency repair cover
   • protection for personal effects and any child seats in your car
   • and more!

2. Third Party Property Damage is our most inexpensive car insurance cover and is designed for drivers who want basic and necessary cover at an affordable price. It simply covers you against damage you cause with your car to other people's vehicles or property.

3. Third Party Fire and Theft is the same as Third Party Property Damage, but you're also protected against theft or fire damage to your car. This is a great option for drivers with older cars who don't need comprehensive car insurance cover.

   Also included in this cover is:

   • protection against damage caused by an uninsured motor vehicle up to $3,000
   • access to our preferred network of repairers
   • our Lifetime Repair Guarantee for the life of your car
   • agreed value for your car if it's stolen or a write-off

See our PDS for more information

Looking for great cover without the price tag? We thought so. We can provide you with a great price on your car insurance cover because we do more online. But don't worry. Our Comprehensive online car insurance cover is everything you'd expect from a traditional car insurer and more, from Free Pet Injury Cover to Free Windscreen Repair.

We offer these added benefits absolutely FREE with Comprehensive cover:View benefits chart.

And here's how Progressive Direct Comprehensive Cover compares to the comprehensive car insurance cover from a traditional car insurer: View comparison chart.

Note that this is only a summary of our cover and extra benefits. Please see our PDS for more information.

Why pay for cover you don't need? At Progressive Direct, we know that drivers have different needs, different budgets, and different priorities. So we let you choose among options that meet your own individual needs with an online car insurance policy that's personalised just for you.

Flexible Excess
Available with our Comprehensive Cover. You can increase your standard excess from the minimum amount to certain higher amounts. The higher your excess, the lower your premium will be (but the more you will have to pay in the event of a claim).

Rental Car after an Incident
Available with our Comprehensive Cover. We provide an economy rental car for up to 14 days up to the per-day limit while your motor vehicle is being repaired or replaced as a result of an incident we cover other than theft.

After-Market Accessories
Available with our Comprehensive and Third Party Fire and Theft cover types. We reimburse for damage to certain permanently installed after-market accessories. You select the amount of cover you want, up to $2,000.

Here's how our Flexible Options compare to those from traditional insurers: View comparison chart.

Note that this is only a summary of our flexible options. Please see our PDS for more information on our car insurance cover options.

Our Product Disclosure Statement, or PDS, is designed to provide information about us and our Progressive Direct online car insurance. It describes, in detail, our cover, policy information such as how we determine your premium, and claims requirements. It also includes definitions in case you're not aware of important insurance terms.

Download the PDS.