Wondering if PD Insurance is worth your investment? This guide provides all the information you need to make an informed decision about PD Insurance, including reviews, customer experiences, and what you should consider before choosing them as your insurance provider.
Is PD Insurance Any Good? PD Insurance is a 100 percent online provider of car and pet insurance. Canstar does not currently have a rating for auto insurance from PD Insurance; however, below we provide a summary of the coverage available.
What does PD mean in auto insurance?
The significance of PD in auto insurance is easy to answer. PD Insurance stands for Preferred Drivers Insurance (Pet insurance stands for Pets Deserve Insurance). There are three types of auto insurance for preferred drivers:
- Comprehensive Auto Insurance,
- Third-Party Fire And Theft
- Third-Party Property Damage.
Insurers like to work with lower-risk customers, so they are preferred. Some drivers are safer than others because of their age, gender, driving habits, and other circumstances. These risk factors explain why car insurance is more expensive for young drivers, for example.
PD Insurance knows who their favorite drivers are and give them great premiums.
They make sure they have enough bandwidth to provide their members with top-notch service, resolve claims quickly and easily, and pay their quality agents to provide quality support. Fewer claims mean more satisfaction for everyone and their self.
Speaking of increased customer satisfaction, PD Insurance now covers roadside assistance. So that they can help you in your time of need.
Is PD Insurance Any Good?
Is PD Insurance Any Good? Yes, PD Insurance is a 100 percent online provider of car and pet insurance. As their insurer, they are able to make fast and confident decisions about your claims. That means the turnaround time of receiving your bills from then and returning the money to your bank is very efficient!
To determine if PD Insurance is any good, we’ll consider multiple aspects of their services, including customer reviews, pricing, coverage, and more.
Customer Reviews
Customer reviews are a valuable resource for assessing the quality of an insurance provider. Let’s take a look at what customers are saying about PD Insurance.
Trustpilot Reviews
- Trustpilot Review for PD Insurance in New Zealand:
- Rating: 4.6 out of 5
- Customer Feedback: Customers appreciate PD Insurance’s commitment to protecting pets and their affordability.
- Trustpilot Review for PD Insurance in Australia:
- Rating: 4.5 out of 5
- Customer Feedback: PD Insurance is praised for offering low-cost plans with likeable features.
- ProductReview for PD Car Insurance:
- Rating: Information not available
- Customer Feedback: Some customers mention positive experiences, including helpfulness during claims.
- Stuff.co.nz Article:
- Title: ‘Shameful’: Customers fuming after PD Insurance slashes…
- Content: An article addressing concerns raised by customers after PD Insurance made significant changes to their services.
The overall picture from customer reviews suggests that many customers have had positive experiences with PD Insurance. However, it’s essential to consider the outlier negative reviews and changes that may have affected customer satisfaction.
PD Insurance’s Own Claims
PD Insurance, in their own publications, highlights their affordability and ease of use, particularly in the car insurance sector. This is a sign that they are confident about the quality of their services.
What types of car insurance does PD Insurance offer?
PD Insurance offers third-party property damage, third-party fire and theft, and comprehensive auto insurance. Some advantages of each are:
Comprehensive Car Insurance
This policy offers the highest coverage of all PD insurance policies available. It covers damage to your car as well as damage to other people’s vehicles or property. Some exclusions, limitations, and special conditions apply, so it is important to carefully read PD Insurance’s Product Disclosure Statement, Target Market Determination, and other applicable documentation.
Fire and Theft From Third Parties
With this, you are insured for damage that you cause to the cars and property of others. With this policy, you are also insured against theft or fire damage to your car. It is a medium level of coverage offered by PD Insurance and is aimed at drivers who do not want comprehensive coverage but need more than the basic insurance policy for damage to third-party property.
Damage to Third-Party Property
This option is probably the cheapest option from PD Insurance and provides cover for damage you cause to other people’s vehicles or property with your car. However, it does not cover damage to your vehicle.
If you’re not sure which type of auto insurance is right for you or want to learn more about the differences between the different levels of coverage, here’s our guide to the different types of auto insurance.
PD Insurance Comprehensive car insurance
Comprehensive auto insurance is the highest level of auto insurance coverage from PD Insurance and is designed to protect drivers from the cost of damage to their car and the vehicles and property of others. Features include:
- Accidental Damage – It provides coverage for loss or damage to your vehicle caused by a range of events, including collision, collision, intentional damage, theft or attempted theft, fire, hail, storm, or flood.
- Civil Liability – This covers your legal liability for damages or losses caused by damage to someone else’s vehicle or property up to a maximum of $20 million.
- Rent a car if your car is stolen – If your car is less than 12 months old and is stolen or written off, it can be replaced with a new car or you will be reimbursed equally to the agreed value of the car.
- Drag to a safe location or to a repair technician (depending on the circumstances)
- Emergency repairs up to $500.
- Windshield chip repairs (replacement cover is separate)
Customers can also choose to add the following optional features at an additional cost:
- Roadside assistance
- Excess Buster: In exchange for a higher premium, the company covers the cost of a basic deductible once a year
- Content Coverage – Covers valuables left in the car
- Windshield and glass, up to $1,500
- Rent a car while your car is being repaired or replaced.
Why is PD Insurance good for pet insurance?
There are many reasons why PD Insurance is good for pet insurance. At its core, this is an agile, online-focused company that truly cares about its members and has a strong focus on delivering help quickly.
Nowadays everything moves fast; from the internet to Zoomies puppies. PD insurance claims process is also quick and easy. After purchasing a policy, you can submit your claims via your online profile with the relevant documents and the claims team will contact you promptly to confirm payment.
Is PD Insurance Any Good?
Is PD Insurance Any Good? Yes, PD Insurance is a 100 percent online provider of car and pet insurance. As their insurer, they are able to make fast and confident decisions about your claims. That means the turnaround time of receiving your bills from then and returning the money to your bank is very efficient!
They resolve claims within two business days so you can get your money back in no time. Every time, no matter how many times you claim. And many people claim many times, which adds up to a huge bill!
According to their recent consumer survey, 50% of pet owners say their highest vet bill is less than $500. However, for 24% it was between $500 and $1,000, for 17% between $1,000 and $2,500, and for 8% between $2,500 and $10,000. And a handful of pet owners have been charged between $10,000 and $20,000.
Regardless of the bill you receive, it’s a huge relief to know that your pet insurance can help cover the costs quickly. This is just one of the many reasons why PD Insurance is good for pet insurance.
And because you can access your policy online, you can make a claim any time of the day, 24 hours a day, and seven days a week.
Dogs Think PD Insurance Is Good For Pet Insurance
They care about you, your pet, and your wallet
New Zealand is home to over four million pets, many of which require vet visits at least once a year. Collectively, Kiwis spend $489 million annually at the vet.
Some of us spend a lot more money and time there than others, thanks to accidents and illnesses involving pets. And if you’re in the middle of it, it can be a scary time.
Just this week, a cat’s father had to take his cat’s meowing to the vet for extensive testing and an overnight stay. Later, a handful of doctor visits totaled bills over $3,500! PD Insurance paid these bills as soon as the claims were made, providing great peace of mind for the concerned pet owner along the way.
When you’re in a state because of your pet’s condition, it can make a world of difference to have one ear focused on a soft landing to listen.
And in situations like this, not having pet insurance can mean the difference between your pet and your wallet. You never want to have to make that decision. With PD Insurance, you don’t have to – you can focus on your pet right away, knowing you’re not alone when it comes time to pay.
You can claim as many times as you want
They understand that pets are susceptible to multiple hazards, whether indoor or outdoor pets. We know that you may have to declare several times in one year. Sometimes for the same problem, sometimes for different reasons.
For example, they have members whose pets have unfortunately suffered multiple injuries and illnesses in the same year. This can very easily happen to any cat or dog, regardless of their health record. It’s not something you can anticipate, but you can plan for it with DP insurance.
You can make a claim with them as often as you like, up to the defined benefit limit of your pet insurance. We are happy to work with you, again and again, to get as much money back as possible – that is their job.
For the bills, you expect and don’t do
Pet insurance can help you be prepared for bills you know are coming, such as vet visits.
And more importantly, if not more, we help you cover the bills you can’t foresee. Such as pets breaking bones, eating poisonous plants, or swallowing something that causes an intestinal blockage. Or get injured by a car. For this reason, all our plans include coverage for pathology, radiology, hospitalization, medical prescription, and surgery.
What to Consider When Choosing PD Insurance
Before making a decision, there are some important factors to consider when choosing PD Insurance as your insurance provider:
1. Your Unique Needs
Your insurance needs are unique, whether it’s for your pet or your vehicle. Take the time to assess your specific requirements and consider whether PD Insurance’s offerings align with them.
2. Customer Reviews
While many customers have had positive experiences with PD Insurance, read reviews carefully to gauge potential issues and ensure the provider meets your expectations.
3. Coverage Tiers
Understand the different coverage tiers and the details of what each one includes. This will help you choose a plan that best suits your requirements and budget.
4. Changes in Services
Be aware of any recent changes in the provider’s services or offerings, as these may impact your experience.
5. Awards and Recognition
Consider the awards and recognition received by the provider, but also be aware of any subsequent actions that may have affected customer satisfaction.
FAQs – Is PD Insurance Any Good?
Is PD Insurance reputable?
PD Insurance is a well-known insurance provider in Australia and New Zealand, and they have received positive customer reviews in the past.
What types of insurance does PD Insurance offer?
PD Insurance primarily offers pet insurance and car insurance.
How do I choose the right PD Insurance plan?
To choose the right PD Insurance plan, consider your unique needs, read customer reviews, understand the coverage tiers, and be aware of any recent changes in services.
Are there alternatives to PD Insurance?
Yes, there are various insurance providers in the market. It’s essential to compare multiple options to find the one that best suits your needs.
Conclusion – Is PD Insurance Any Good?
Is PD Insurance Any Good? Yes. PD Insurance has become one of Australia’s best-known motor insurance providers, thanks to competitively low rates, an excellent range of discounts and benefits, and a fair and prompt claims service.
Speaking of which, here’s how to claim full auto insurance in 10 easy steps.
It is an Australian insurance company based locally in Newcastle NSW. PD entered the auto insurance market over a decade ago to change things up. We wanted to make auto insurance simple and affordable through an online-focused approach. We knew online was important because it means more efficiency for us and lower premiums for members.
Their online approach allows you to buy and manage your policy and start the claim process online. But if you want to give them a call, our expert Newcastle team is here to help.
And because we have in-house customer service and their own insurer (Pacific International Insurance), you can make claims quickly and easily.
