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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


  • 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.


  • 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.

How does PD car insurance compare with other car insurers?

As part of the Finder car insurance awards, we analysed over 30 car insurance providers and found that PD car insurance offers good, comparatively budget-friendly cover. It has some impressive and unusual perks, but its benefit limits are lower than many other brands.


Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
PD Comprehensive
  • If your car is written off in the first 12 months and is under 20,000 km
  • Optional
    Finder's 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.
    Budget Direct Comprehensive
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Youi Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    NRMA Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.


    PD is a budget-friendly insurer. On average, a comprehensive car insurance policy costs $934 a year - that's 37% cheaper than the national average. If it's cheap car insurance that you're after then this brand is worth considering.

    Keep in mind, the best car insurance for you may depend on more than just price. Always be sure to read the PDS.

    The below quotes are based on a fictional profile and your own quotes will differ.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    PD Logo$1,262$934$995$825$1,467$876$1,060More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,252More info

    About our car insurance methodology

    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.

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