PD Insurance Car Insurance

PD Insurance offers driver in Australia a choice of car insurance plans at affordable prices. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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PD Insurance entered the Australian market in 2009 as Progressive Direct, subsequently rebranding as Progressive and then as PD Insurance in 2019. It is an online-only insurance provider specialising in simple, low-cost pet and car insurance. Drivers can enjoy a range of car insurance coverage options at affordable prices, making PD Insurance a trusted choice for car owners across Australia.

In this review, we take a look at PD Insurance’s car insurance products to help you understand your options. Find out the types of policies on offer, what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by PD Insurance is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact PD Insurance if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent PD Insurance for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through PD Insurance?

PD Insurance offers the following types of car insurance to Australian drivers:


Comprehensive car insurance offers the most extensive cover of the different types of car insurance, offering greater peace of mind but often for a higher cost. PD Insurance’s Comprehensive policy offers the following inclusions:

  • Coverage for accidental loss or damage to your car in the event of collision, impact, fire, flood, malicious damage, hail and storm, and theft or attempted theft
  • Legal liability up to $20 million
  • Hire car after theft, up to $50 a day for up to 14 days
  • Coverage for vet fees up to $1,000 if your dog or cat is injured while in your car as a result of an incident
  • Emergency repairs up to $500
  • Towing and storage costs for your car after an incident, or you can arrange your own and get up to $500 refunded
  • Coverage for windscreen repairs
  • New car after total loss, if it is less than 12 months old and has travelled less than 20,000km
  • $500 death benefit
  • Up to $500 coverage for damages or losses to your unbraked trailer or caravan while being towed by your car
Third Party Fire and Theft

This type of cover is the next step down from comprehensive, covering theft and fire damage, as well as to other vehicles and property. PD Insurance’s policy offers the following inclusions:

  • Up to $20 million legal liability cover
  • Hire car after theft, up to $50 a day for up to 14 days
  • Reasonable towing and storage costs, or up to $500 if you arrange your own
Third Party Property Damage

The most basic form of optional car insurance in Australia, this policy offers the following inclusions:

  • Coverage for third-party property damage caused by your car
  • Legal liability up to $20 million

Are there any optional extras available through PD Insurance?

Yes – PD Insurance offers a number of optional benefits on its car insurance policies:

  • Hire car after an incident: up to $50 a day for 14 days, with a maximum of $700 per incident
  • Excess Buster: PD Insurance will pay the basic excess on a single claim
  • Windscreen/window glass replacement: for a single claim up to $1,000
  • Vehicle contents: up to $750 for the loss of or damage to child safety seats, clothing, personal belongings and groceries in your vehicle
  • Personal accident: $10,000 if you die as a result of a covered incident

What are some of the pros and cons of buying car insurance through PD Insurance?

  • Affordable policies: PD Insurance offers low-cost car insurance so drivers can stay on budget while getting the cover they need.
  • Pet injury cover: if your pet is hurt in a car incident, Comprehensive plans include pet injury cover as standard.
  • Windscreen repair included: if your windscreen is damaged, PD Insurance will cover the repair cost as standard.
  • Personal effects not covered as standard: personal items and child car seats are only covered as an optional extra.
  • Limited benefits: plans have limited standard benefits, meaning drivers might not get the extent of cover they are looking for.

Common questions about PD Insurance car insurance

Does PD Insurance offer roadside assistance?

Yes – you can take out roadside assistance with PD Insurance on top of your car insurance policy for an additional fee. This 24/7, Australia-wide service is provided by Digicall Assist and covers:

  • Breakdowns
  • Minor roadside repairs
  • Technical advice by phone
  • Battery and parts replacement
  • Emergency fuel
  • Lost keys
  • Towing
Can I get any discounts on my PD Insurance car insurance?

Yes – there are a number of discounts available on car insurance from PD Insurance, including:

  • First year discount
  • Exclusive driver discount
  • Claims-free discount
  • Annual payment discount
  • Multi-car discount
How do I make a car insurance claim with PD Insurance?

You can easily submit claims 24/7 using PD Insurance’s user-friendly online portal.

Can I insure my car for its agreed value with PD Insurance?

Yes – depending on the policy you take out, you may be able to insure your car for its agreed value. This is the fixed maximum amount PD Insurance will agree to insure your vehicle for.

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Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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