Woolworths Car Insurance

Woolworths is one of Australia’s biggest supermarket chains, but it also offers a variety of car insurance policies. Read our review to learn more about their services!

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, updated on February 16th, 2024       

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Woolworths is best known in Australia as one of the big two supermarket chains, alongside Coles. However, over the past few years, it’s branched out into the insurance space, offering car, home, landlord and pet insurance, as well as roadside assistance, under its Everyday Insurance brand.

Our review of Woolworths’ car insurance breaks down the products on offer, including their inclusions and optional extras. Read on to find out more about their policies today.

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

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

What car insurance policies are available through Woolworths?

Woolworths offers the following types of car insurance to Australian drivers under Everyday Insurance:

Comprehensive Car Insurance

Comprehensive car insurance provides the widest range of coverage options, including damage to your vehicle due to an accident (whether at fault or not). The following features and benefits are included in Woolworths’ Comprehensive cover policies:

  • Loss of or damage to your car due to an accident or collision, whether you’re at fault or not, or weather, such as storm and flood
  • Fire damage to your car, including due to a bushfire
  • Damage to your car caused by theft or attempted theft or malicious damage
  • Legal liability for damage to other people’s property caused by your car up to $20 million
  • New car replacement in the event of a write-off of your new or demo model (up to 24 months after your registration)
  • Cover for damage to your trailer or caravan (up to $1,000)
  • Loss of or damage to your car while in transit between locations within Australia
  • Loss or damage to your personal effects in the car due to accident or theft (up to $500 in total and an extra $500 for child safety seats and prams)
  • Reasonable cost of emergency transport or accommodation if you’re more than 100km from home and your vehicle is deemed unsafe to drive (up to $500)
  • Up to $1,000 for the replacement and recoding of stolen keys and locks on your car
  • Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event
  • Legal liability cover for a substitute car
  • Lower-cost pay as you drive cover option (Drive Less Pay Less) for policyholders who drive their vehicles less than 15,000km per year
Third Party Property, Fire and Theft Insurance

Third Party Property, Fire and Theft (TPPFT) cover is a step down from Comprehensive but offers more protection than Third Party Property Only. The following may be included in your Woolworths TPPFT cover policy:

  • Loss of, or damage to, your vehicle due to fire, theft or attempted theft
  • Legal liability for damage to other people’s property caused by your car up to $20 million
  • Cover for damage to your trailer or caravan (up to $1,000)
  • Loss of or damage to your car while in transit between locations within Australia
  • Loss or damage to your personal effects in the car due to accident or theft (up to $500 in total and an extra $500 for child safety seats and prams)
  • Reasonable cost of emergency transport or accommodation if you’re more than 100km from home and your vehicle is deemed unsafe to drive (up to $500)
  • Up to $1,000 for the replacement and recoding of stolen keys and locks on your car
  • Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event
  • Legal liability cover for a substitute car
  • Damage to your vehicle caused by an uninsured motorist who was completely at fault (up to $3,000)
Third Party Property Damage Insurance

The lowest level of optional car insurance cover, Third Party Property Damage (TPPD) cover is designed to offer protection to you against damage you might cause to other people’s property. Woolworths’ TPPD cover can include the following:

  • Legal liability for damage to other people’s property caused by your car up to $20 million
  • Damage to your vehicle caused by an uninsured motorist who was completely at fault (up to $3,000)
  • Legal liability cover for a substitute car

Are there any optional extras available through Woolworths?

Yes – Woolworths offers several optional extras on their Comprehensive and TPPFT cover policies. These are:

  • 24/7 emergency Roadside Assist, 365 days a year
  • No excess on the first claim relating to damage to your front windscreen in any given insurance period
  • Reasonable cost of a rental car following the theft or attempted theft of your vehicle for up to 14 days and $50 per day

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

  • Discount on shopping as an Everyday Insurance customer: as a Woolworths policyholder, you can qualify for a discount of 10% on one in-store grocery shop per month (up to a value of $500).
  • Comprehensive pay as you drive insurance option: in addition to its standard Comprehensive policy, you can take up a Drive Less Pay Less policy to receive a discount if you drive less than 15,000km per year.
  • Annual or monthly premium payments: you can decide whether to make your premium payments on an ongoing monthly basis or in a single lump sum annually (the latter of which may help you save).
  • Lower claim limits: some of the inclusions come with low claim limits compared to other insurers, such as hire car expenses, personal property and emergency travel and accommodation expenses.
  • No choice of repairer: you won’t be able to choose your own repairer when taking your vehicle in to be fixed, with Woolworths not offering an option for you to do so.

Common questions about Woolworths car insurance

Can I choose between market and agreed value cover on my Woolworths car insurance policy?

Yes – you can choose between market and agreed value cover on a Comprehensive car insurance policy through Woolworths. This isn’t available on any third party car insurance policies.

Who underwrites Woolworths’ insurance policies?

Woolworths’ policies are underwritten by Hollard, which also underwrites leading insurance providers such as Commonwealth Bank and Real Insurance.

How can I make a car insurance claim with Woolworths?

You can submit your claim either online or over the phone 24/7 with Woolworths. You can also check in on any existing claims you’re still waiting on by calling the same number, although this only operates within standard business hours.

In which states does Woolworths operate?

You can purchase a Woolworths car insurance policy for a vehicle registered in any state or territory in Australia.

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Disclaimer:

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.