Frequently asked questions about Woolworths car insurance
What does a Woolworths car insurance policy cover?
First things first, you’ll want to know what protection your new car insurance policy will give you. Here’s a rundown of some of the major things covered:
- A new car if yours is written off
- Damage to personal property
- Windshield damage
- Emergency repairs
- Towing and accommodation in an emergency
- A rental car if yours is stolen
- Rental car liability
Keep in mind conditions and limits apply to most of these, so make sure you read your PDS carefully to know exactly what you’re covered for.
What optional extras are on offer?
There are a few things you can add to your policy to help tailor it to your particular needs. But keep in mind, if you do opt for these extras, you’ll likely pay a higher premium. Additional extras include:
- Roadside Assistance
- Excess-free windscreen cover
- A rental car for while yours is being repaired after an accident
- Any modifications to your car
How can I save money on my policy?
There are a number of ways to make your Woolworths car insurance policy more wallet-friendly. Some money-savvy strategies include:
- Buying your insurance policy online to snag a 10% discount
- Cashing in on a no claims discount
- Choosing the agreed value of your car
- If you don’t drive often, the Drive Less Pay Less option can help you save if you nominate a certain number of kilometres and don’t drive more than that in the year
- Choosing a higher excess for a lower premium
What excess option should I go for?
If you choose a higher excess, you’ll generally pay a lower premium. Sounds great right? But the downside is, that means that 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, which one is right depends on you and your budget.
How is my premium calculated?
When working out your premium, what an insurer is really doing is trying to work out how likely you are to make a claim. The more likely it is, the more you’ll be charged. So some factors that may influence your premium include:
- What car you drive. White cars tend to be safer, and therefore cheaper to insure.
- Where you park. Parking in a garage is safer than parking on the street, 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.
- Who you are. Young drivers will often pay higher insurance premiums, since they have less experience behind the wheel.
How can I pay my 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 either one annual payment or monthly installments and the price won’t change.
How is Woolworths rated by customers?
Want to find out just what Woolworths customers think of their car insurance experience, in terms of things like convenience, trust and how easy it is to make a claim? Well, you can, by checking out our customer review section, where regular Aussies have rated their policies.
How to make a claim
You can make a claim on your Woolworths car insurance anytime of the day by calling the claims team, or downloading a claims form, which you can email or fax in.
Don’t forget that when you make a claim, you’ll need to have some information on hand, including the name, contact details and, if possible, licence number and insurer of any other drivers involved.
