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.

Compare PD car insurance

Product Finder Score Choice of repairer New Vehicle Replacement Roadside assistance Hail, storm and flood damage
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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 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.

    Read the full Finder Score methodology

    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.

    Price

    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
    $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.

    FAQs about PD car insurance

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    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 251 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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