6.4 / 10

based on 191 Woolworths reviews as rated by Mozo community

Woolworths car insurance

Woolies might be your go-to for groceries, but did you know you can pick up a competitive car insurance quote from them too? This well-known Aussie brand offers a wide spectrum of coverage, with a focus on flexibility and affordability. And they seem to have hit the top-value nail on the head, with Woolworths taking out a win in the Exceptional Value Car Insurance category in the 2020 Mozo Experts Choice Award.

We’ve collected some of the must-know information about Woolworths car insurance policies below, so you can decide whether or not to pop one in your cart

Woolworths offers the following car insurance policies

Rates and fees verified as correct at 17 June, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer  
Comprehensive Car Insurance

Yes costs extra

Not Published

10%

No

Go to site

About Woolworths car insurance

Yes, the green apple grocery chain also offers insurance. When it comes to protecting your wheels, Woolworths has options for third party car insurance, third party fire & theft, and comprehensive car insurance. 

Those looking for the most extensive coverage will opt for comprehensive cover. The good news is Woolworths’ top-tier policy is super flexible and comes with features that make it a great value option. Read on for all the details and commonly asked questions about car insurance from Woolies.

What does Woolworths car insurance cover?

You’ll find a long list of standard inclusions once you dig into the details of Woolworths car insurance. Here’s a rundown of some of the major things covered:

Keep in mind conditions and limits apply to most of these, so make sure you read your Product Disclosure Statement (PDS) carefully to know exactly what you’re covered for.

What optional extras are on offer?

Like most comprehensive car insurance policies, there are additional features or higher grades of coverage you can add to your policy to tailor it to your needs. Keep in mind, if you do opt for these extras, you’ll likely pay a higher premium. Additional extras include:

How can I save money on Woolworths car insurance?

There are a number of ways to make your Woolworths car insurance policy more wallet-friendly. Some money-savvy strategies include:

How is my Woolworths car insurance premium calculated?

When working out your premium, insurance companies are essentially trying to work out how likely you are to make a claim. The more likely it is, the more you’ll be charged. Some factors that may influence your premium include:

What car you drive. This can include the quality, age, any modifications and even the colour of your car.

Where you park. Parking in a garage is safer than parking on the street where it might be accidentally or maliciously damaged, so your premiums will be lower.

Where you live. Your premium might be higher if you live in an area prone to vandalism or accidents.

Your age and driving experience. Young drivers or those with only a few years experience on the road will often pay higher insurance premiums. This is because they are more likely to be involved in a road accident. The same goes for any other drivers listed on your policy.

Your gender. Men are statistically more likely to be involved in a collision, and also cause more costly damage to their own and other vehicles. Therefore, their premiums are often bumped up.

How to make a claim with Woolworths car insurance

You can make a claim on your Woolworths car insurance anytime of the day by calling the claims team, or completing the claim online. Details that’ll help speed-up this process include:

Once your claim is lodged, Woolworths will assess if it’s insurable, and then contact you about further actions like repair quotes, replacements and settlements with anyone impacted by the incident. 

Woolworths car insurance FAQs

How do I pay my Woolworths car insurance premium?

One of the good things about Woolworths car insurance is that there’s plenty of flexibility in how you pay your premium. You can use either credit or debit card, but most importantly, you can choose one annual payment or monthly installments. If you go for the month-by-month option, you may have to pay an additional processing fee.

What excess option should I choose?

If you choose a higher excess, you’ll generally pay a lower premium. Sounds great right? But the downside is, in an emergency, your insurance policy will cover less of your repair costs.

So while you have the option to choose either a high or low excess with your Woolies car insurance, the right decision depends on you and your budget.

Does Woolworths car insurance have roadside assistance?

Yes, but as mentioned, this comes as an optional extra alongside any Woolworths car insurance policy. If you choose to include this in your policy, you’ll have access to assistance for problems like empty fuel tanks, breakdowns, flat batteries and tyre repairs 24/7, 356 days a year.

How do I apply for Woolworths car insurance? 

If you’re an internet aficionado and after that apply-online discount, the whole process can be completed digitally. Simply start by getting an online quote (with your car and driver details handy) and follow the instructions from there. 

Otherwise, there’s a general enquiries line you can call 7 days a week (check for variable times and public holiday hours).

How do I contact Woolworths Insurance?

You can get in touch with a Woolworths Insurance agent through an online chat or their general enquiries phone number. Make sure you check their contact hours. When it comes to making a car insurance claim, there’s a team working around the clock to assist you.

How is Woolworths car insurance rated?

Mozo users have rated Woolworths car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
Woolworths car insurance
Overall
7.5/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

132 Reviews

Recent Woolworths car insurance reviews

Woolworths Car Insurance review
Overall 5/10
Very poor customer service.

Have been with Woolworths for a few years now, and although their pricing is good, I have to not renew and then take a new policy every year, because every single time the renewal amount is about $120 a year higher. Also, the customer line is extremely hard to get hold of. Day 1, 27 minutes on hold and had to hang up. Day 2, 25 minutes, and day 3, finally got through after 16 min on hold. I think Woolworths need to provide better service to their customers in this regard. Different times of day, so I'm not sure what their issue is. All good until you actually need a human!

Read full review

Have been with Woolworths for a few years now, and although their pricing is good, I have to not renew and then take a new policy every year, because every single time the renewal amount is about $120 a year higher. Also, the customer line is extremely hard to get hold of. Day 1, 27 minutes on hold and had to hang up. Day 2, 25 minutes, and day 3, finally got through after 16 min on hold. I think Woolworths need to provide better service to their customers in this regard. Different times of day, so I'm not sure what their issue is. All good until you actually need a human!

Value for money
7/10
Policy coverage
7/10
Customer service
2/10
Trust
5/10
Less
Michael, New South Wales, reviewed about 1 month ago
Woolworths Car Insurance review
Overall 9/10
Very happy

They offer great rates and service and i am extremely happy with them

Read full review

They offer great rates and service and i am extremely happy with them

Value for money
9/10
Policy coverage
9/10
Customer service
9/10
Trust
9/10
Less
Emma jane, Western Australia, reviewed about 2 months ago
Woolworths Comprehensive Car Insurance review
Overall 9/10
Great customer service.

I like that their customer service is extremely fast and they have been able to help me with everything that I’ve had to do. I also like that they tell me when storms are coming. I however feel like the pricing could be managed a bit better and to provided cheaper insurance to younger people who are driving as we mostly work causal and part time and don’t have a lot of money but may need a car.

Read full review

I like that their customer service is extremely fast and they have been able to help me with everything that I’ve had to do. I also like that they tell me when storms are coming. I however feel like the pricing could be managed a bit better and to provided cheaper insurance to younger people who are driving as we mostly work causal and part time and don’t have a lot of money but may need a car.

Value for money
8/10
Policy coverage
8/10
Customer service
10/10
Trust
9/10
Less
Dani, New South Wales, reviewed about 2 months ago
Woolworths Comprehensive Car Insurance review
Overall 9/10
Amazing coverage.

I really love Woolies insurance. It's the best cover, I was able to pick my cover amount and it was the best value for money. I've been with them for 3 years now and I've never had an issue. Bonus is the 10% off a month on my grocery bill.

Read full review

I really love Woolies insurance. It's the best cover, I was able to pick my cover amount and it was the best value for money. I've been with them for 3 years now and I've never had an issue. Bonus is the 10% off a month on my grocery bill.

Value for money
10/10
Policy coverage
10/10
Customer service
8/10
Trust
9/10
Less
Jessica, Queensland, reviewed about 2 months ago

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