Comprehensive Car Insurance

No-nonsense car insurance that’s full of friendly features and optional extras.

PD Insurance Finder Awards 2021

PD Insurance is a proud finalist of the 2021 Finder Awards for Car Insurance!

We’re committed to providing you with affordable cover that suits your needs.

Cheapest Comprehensive Car Insurance Quote

If you're looking for an affordable comprehensive car insurance quote that doesn't compromise on value, brake now. Look no further for your simple insurance soft landing.

Comprehensive car insurance from PD Insurance will help you safeguard your car, something we know is key to work and play. That way you have more time to focus on doing what you love.

If your car's in an accident or stolen you want to spend as little money and time without it, right? We have your back.

Comprehensive car insurance protection doesn’t need to be expensive. We offer several valuable discounts, including one if you're the only driver. Cover the basics then choose from several optional benefits, but only if you need them.

Your Discounts

Exclusive Driver Discount

If you’re the only driver of your car, you’ll qualify for our Exclusive Driver Discount.

Claims Free

If you’ve had no claims in the last five years, you’ll qualify for our Claims Free Discount.

Annual Payment Discount

If you pay your entire premium upfront, you’ll qualify for our Annual Payment Discount.

Early Shopper Discount

An Early Shopper Discount could be yours if you get a quote before your existing policy expires.

Your Included Benefits

Accident Damage

Loss or damage cause by collision, impact or malicious damage.


Loss or damage cause by theft or attempted theft.

Fire, Hail, Storm, Flood

Loss or damage cause by fire, hail, storm, or flood.


Hire Car

A hire car if your car is stolen.

Car Replacement

A new car or agreed value payment if your car is stolen or written-off (for cars less than 12 months old).

Legal Liability

Legal liability (up to $20 million) for damage to someone else’s car or property.


Free repair of chips on your windscreen; replacement cover available separately.

Emergency Repairs

Emergency repair cover up to $500.



Towing your car to the nearest repairer or place of safety.

Online Managment

Completely manage your car insurance online through the member portal. 

Your Optional Benefits

With our comprehensive car insurance you only pay for the optional extras that matter to you.
Extend your cover by choosing one or more of these:

Roadside Assist

24/7 Roadside Assistance from $89/year#

Excess Buster

Our most popular add-on. In the event you need to pay a basic excess, we pay it for you instead (once per year).

Contents Cover

Covers valuable items that you may have in your car for damage during an incident or theft.

Windscreen And Window Glass

One excess free glass claim per year; up to $1,000 coverage.

Hire Car

 A hire car while your car is being repaired or replaced.

Pet Insurance

Do you know we also do Pet Insurance?
You can get up to 3 months FREE when you buy online, so why not get a quote today!*

car insurance quotes online

Frequently Asked Questions

Since PD Insurance is an online-focused business, the creation of an online account is part of your policy purchase process. As you buy a policy from PD, we’ll get you set up with an online member account by simply asking you to establish a policy email and password, each used to login to your account. If you ever forget them, don’t worry – it’s really easy to have them reset by visiting the login page and following prompts. All your adjustments will be done from this online account, and that means collectively we keep costs and your premiums lower.

PD Insurance accepts Visa® and Mastercard® credit or debit card only. This allows us to confirm your payment on the spot, plus it helps reduce our administration costs so we can pass the savings on to you in the form of lower premiums and no fees.

Yes, if you have a comprehensive car insurance policy, and you are involved in an accident or incident and require a tow, we will pay the reasonable cost of towing your vehicle to the nearest repairer or place of safety if it’s damaged and cannot be safely driven.

  • You may call our claims department directly on 1800 776 473 for immediate assistance.
  • You can also lodge your claim online at pd.com.au.

For more information about our Claims Process, please refer to our Product Disclosure Statement.

Instead of pricing according to your current insurer’s NCB, we set up a profile based on the claims history of each driver. This way, our safe drivers receive a highly competitive rate based on their safer risk profile.

For more information about No Claims Bonuses, please review the ‘How we determine your premium’ section in our Product Disclosure Statement

We always offer each member the best possible PD Insurance premium based on their individual needs and circumstances. Interested in the specific discounts we offer? See above for more information on how you can save.

Our Blog

Discounts apply for new car policies only. We reserve the right to change the offer without notice. Base rate premiums subject to change. It does not apply to any renewal offer of insurance.

Terms and Conditions apply. Please see here for details.

The persons and vehicles shown in photographs on this website are stock photography. They are not insured members or necessarily depict insurable scenarios.

One Month Free only relates to Pet Insurance.

*The full terms and conditions of this offer can be found here.

How would you, like to proceed?

How would you, like to proceed?