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Woolworths Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
Choice of repairer
Go to site

Mozo editorial review Woolworths Comprehensive Car Insurance - last updated: 23 September 2021

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What's hot
  • Up to 15% first year discount when you apply online
  • Drive Less Pay Less option
  • 2021 Mozo Experts Choice Award winner
What's not
  • No ‘no claims discount’ available
Mozo snapshot

The Woolworths Comprehensive Car Insurance policy offers cover at a price tag you’ll love. Not only does Woolworths give you a number of ways to save on your premium, including up to a 15% discount on your first premium when you apply online and via the Woolies Drive Less Pay Less option, it also provides an extensive range of cover for your car. It's no wonder this car insurance policy took out a 2021 Mozo Experts Choice Award for Exceptional Value Car Insurance! 

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Key features

Woolworths Comprehensive Car Insurance covers you for damage, loss or vandalism for your car, and the personal items in it. You’ll have cover up to $500 for personal property and up to $1,000 to replace stolen keys and locks. And if your car is written off within 24 months of rego your policy will cover you for a new one.

In an emergency, this policy allows for up to $500 in emergency repairs without assessment, reasonable towing costs and up to $500 for emergency accommodation or travel if you’re stranded 200km or more from home.

Roadside assistance is available as an added extra, and so is the option to have cover for a rental car after an accident (up to $50 a day for 14 days, which is included as standard after a theft) or to reduce your windscreen excess, each of which comes with an extra premium.

When it comes to paying your premium, you have the option to pay monthly, but it will cost a bit extra. You can also choose your level of excess – a higher excess means a lower upfront premium and vice versa.

There are also a couple of great discounts you can snag. This includes 15% off when you apply online and are over 25 years old. Plus, there's the option to nominate how many kilometres you’ll drive to limit the cover you’re paying for through the Drive Less Pay Less scheme. Just remember, if you go over your set km range and then need to make a claim, you could incur an additional 'outside odometer' excess of $1,000.

Who is it good for

Woolies Comprehensive Car Insurance is great for Aussie drivers looking to bag a bargain. And if you’re someone who only uses your car on weekends or doesn’t do that many kilometres, then the Drive Less Pay Less option makes this one even more wallet-friendly.

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Any catches

One big drawback with this policy is that there’s no option for safe drivers to score a no claims discount. But the other thing you might want to keep an eye on is the excess for unlisted, inexperienced or young drivers, which can range from $800 to $1,200 (and up to $2,000 for unlisted drivers under 21).


Rates and fees information correct as at 23 May 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes costs extra

$500 - $5,000

$1,200 for listed drivers under 21, $800 for listed drivers between 21 and 25, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers between 21 and 25, $800 for inexperienced drivers over 25, $800 for learner drivers.

none (ACT)
none (NT)
none (WA)
none (VIC)
none (NSW)
none (TAS)
none (QLD)
none (SA)





Up to 15% promotional discount consisting of: 5% first year discount, 5% for online applicants, 5% discount if you exclude drivers under 25|Drive Less Pay Less option to reduce premiums for limited kilometres.

Service features

Optional Service - $88 a year with a new Car Insurance policy



10% off grocery shop once a month, up to $500, conditions apply.


Coverage summary

Agreed or Market

Yes - within 2 years of original registration

Up to $500 if damaged or stolen.

Yes - standard excess. Option to reduce excess for first front windscreen claim each year to $0 for an additional premium.

Up to $500

Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200km from home.

Yes - Up to 14 days, max $50 per day.

Optional Extra. Up to 14 days, max $50 per day.

Yes - legal liability cover when using a substitute vehicle.

Up to $1,000.

Up to $1,000 if stolen.

Up to $500

Covered only if agreed in writing.



Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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