PD car insurance review

Generally, PD insurance has lower benefit limits than many other brands. But, it offers some rare and impressive perks too.

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PD Insurance

Our verdict

Pros

  • Comprehensive cover from PD is budget-friendly and cheaper than most brands.
  • Add the excess-buster feature to remove the excess from one claim a year.
  • No-excess windscreen repair is included in comprehensive cover as standard.

Cons

  • If you want vehicle contents covered, you'll have to pay extra (and it's capped at $750).
  • Hire car cover is limited at $50 a day for 14 days - lower than many other brands.
  • Up to $500 is covered for emergency repairs but some brands offer up to $1,000.

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Finder Score Choice of repairer New Vehicle Replacement Roadside assistance Hail, storm and flood damage Offer
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  • If your car is written off in the first 12 months and is under 20,000 km
  • Summary: PD comprehensive car insurance policy lets you buy, manage, and start your claims process online. It includes cover for emergency repairs up to $500 and free windscreen chip repair. Ability to customise your extras cover.

    Who it might be good for: Those with low claims history and the only driver.
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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

    Read the full methodology

    How does PD car insurance compare with other car insurers?

    We obtained quotes across a range of providers for a 30 year old male based in NSW.

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    Sample quote
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    $1,117.48
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    $2,166.09
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    $2,075.50
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    $1,917.48
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    What additional cover options are available?

    PD has a range of add-on options to customise your policy, including:

    • Roadside assist. Get 24/7 help with breakdowns and lock-outs for $89 a year.
    • Hire car after incident. Get hire car costs covered if your car is out of action due to an insured event - Up to $50 per day - Up to 14 days.
    • Excess buster. Make up to one claim per year without paying any excess.
    • Windscreen/window glass. One excess-free glass replacement per year.
    • Vehicle contents. Cover belongings inside your car Up to $750.
    • Personal accident. $10,000 is paid to your estate if you die in an insured incident.

    FAQs about PD car insurance

    Sources

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 257 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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