Progressive Car Insurance

If you’re looking for affordable, flexible car insurance, Progressive car insurance is well worth a closer look. A 100% online insurer, Progressive offers three levels of cover and a wide range of discounts to Australian drivers. Each policy comes with friendly customer service and a lifetime repair guarantee when you choose one of the insurer’s preferred repairers.

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Progressive car insurance cover options

Comprehensive insurance

Progressive’s comprehensive car insurance provides agreed value cover for accidental loss or damage to your vehicle caused by collision, impact, fire, flood, hail, storm, theft and attempted theft. This includes cover for child safety seats, personal effects, emergency repairs, and new car replacement for vehicles less than 12 months old. The policy also provides $20 million of liability cover when the use of your vehicle causes loss or damage to someone else’s property.

Third party fire & theft insurance

Available for vehicles that are at least 15 years old, this policy offers agreed value cover for loss or damage to your vehicle resulting from fire or theft. This includes cover for towing and storage costs as well as for a rental car after theft. It also provides $20 million of liability cover for when the use of your vehicle causes loss or damage to someone else’s property. You will also be protected when you’re involved in a no-fault accident with an uninsured driver.

Third party property damage insurance

Third party property damage insurance from Progressive provides $20 million of legal liability cover for when the use of your vehicle causes loss or damage to someone else’s property. You are also covered for loss or damage resulting from a no-fault accident with an uninsured driver.

Progressive car insurance levels of cover

Comprehensive insurance
  • Covers damage from accidents, fire, storm, theft and more
  • Hire car after theft
  • Covers child safety seats and personal effects
  • New car replacement for vehicles less than 12 months old
  • Free windscreen repair
  • Agreed value cover
  • Lifetime repair guarantee
  • $20 million property damage liability cover
  • 100% online
  • Cover up to five vehicles on one policy
Third party fire & theft insurance
  • Covers loss or damage caused by fire and theft
  • Agreed value cover
  • Hire car after theft
  • Towing and storage costs
  • Uninsured motorist damage
  • Lifetime repair guarantee
  • $20 million liability cover
  • 100% online
  • Cover up to five vehicles on one policy
  • 14-day cooling-off period
Third party property damage insurance
  • $20 million liability cover
  • $5,000 uninsured motorist damage cover
  • 100% online
  • Cover up to five vehicles on one policy
  • 14-day cooling-off period

General Exclusions

Your Progressive car insurance claim will not be paid in the following situations:

      • Your car was being used to carry people or property, or to provide driving tuition, for compensation or a reward of any kind.
      • Your car was being used for the retail or wholesale delivery of goods.
      • Your car was being used in connection with the motor trade as a courtesy vehicle.
      • Your car was being used in a race, a trial, or for unlawful purposes.
      • Your car was being rented to others.
      • Your car was being used in connection to any emergency services.
      • Your car was being used to carry more passengers than allowed by law, or to carry a larger load than the legal limit.
      • You advertise your vehicle and you do not go with the prospective buyer during a test drive or do not take reasonable precautions to prevent theft or damage.
      • Your vehicle was being driven while in an unsafe or unroadworthy condition.
      • Your car was being driven by someone who is listed as an excluded driver on your policy.
    • The driver of your vehicle was under the influence of alcohol or drugs.
  • It is for loss, damage or liability that occurred outside Australia.
  • It is due to an intentional, deliberate, or malicious act by you or by a driver of your vehicle, or by someone acting with your consent.
  • It is for consequential loss or damage.
  • It is for depreciation, wear and tear, rust or corrosion.
  • It arises due to unrepaired prior loss or damage.
  • It is caused by structural, mechanical, electrical or electronic failure.
  • It is for tyre damage caused by braking, punctures, cuts, or bursting.
  • It arises due to the lawful seizure or repossession of your vehicle.
  • It is for loss or damage that resulted from your failure to take reasonable steps to secure, protect or recover your vehicle after theft, accident or breakdown.
  • It is for loss or damage caused by using the incorrect type of fuel.

Progressive car insurance excess

Before Progressive will pay your claim, you will need to pay an excess. The following excesses may apply to your policy:

  • Standard. A minimum standard excess applies to all claims, but you can opt to increase the excess amount in return for cheaper premiums.
  • Age. This excess applies if your car was being used at the time of an incident by someone under 21 years of age or by someone aged from 21 to 25.
  • Inexperienced driver. This excess applies if your car was being used at the time of an incident by someone who has held their driver’s licence for less than two years.
  • Unlisted driver. This excess applies if your car was being used at the time of an incident by someone who is covered under your policy but is not you or a listed driver.

How to save on your Progressive car insurance policy

If you want to reduce your Progressive car insurance premium, keep the following tips in mind:

  • Pay annually. You may be entitled to a discount if you pay your premium as an annual lump sum rather than in monthly instalments.
  • Multi-car discount. A multi-car discount applies when you insure two or more cars with Progressive.
  • Claims-free discount. If you’ve had no vehicle insurance claims in the past five years, you can benefit from an extra claims-free discount.
  • Homeowners’ discount. If you own a house, apartment, unit, townhouse or other residential dwelling, you will receive a premium discount.
  • Early shopper discount. If you get a Progressive car insurance quote before your existing car insurance policy expires, you can get this discount.
  • Choose a higher excess. You can adjust your excess amount to a higher level in return for cheaper premiums.

Making a Claim

If you need to make a claim on your Progressive car insurance policy, it’s important to contact the insurer as soon as possible after the claimable incident occurs. To do this, you can log in to your account at progressiveonline.com.au and follow the prompts to provide notification of your claim or lodge your claim over the phone by calling 1300 CLAIMS.

You may also need to supply the following information or documentation to support your claim:

  • Written proof of loss, such as proof of ownership of your vehicle
  • A police incident report number
  • The name, contact details and insurance information of anyone else involved in an accident
  • Any other documents the insurer needs to process your claim

FAQs

Yes, a 14-day cooling-off period applies, meaning you can cancel your policy within 14 days of taking out cover and receive a full refund.

Progressive’s car insurance policies are issued by Progressive Direct Insurance Company, incorporated in Ohio, USA.

Progressive accepts payment by credit card only.

Yes, you can pay your premium in an annual lump sum or in monthly instalments. However, a premium discount may apply if you pay annually.

Yes, Progressive car insurance allows you to bundle cover for up to five cars into one policy and receive a bulk discount.

If you’re looking for ways to save money on your car insurance cover, Progressive is certainly worth a closer look. However, make sure you compare Progressive’s policies with products from a range of other insurers before deciding on the right cover for your vehicle.

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