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Woolworths Comprehensive Car Insurance

Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
10%
Choice of repairer
No
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Mozo editorial review Woolworths Comprehensive Car Insurance

Last updated: 24 September 2020.

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What's hot
  • Up to 15% first year discount when you apply online
  • Drive Less, Pay Less option
  • 2020 Mozo Experts Choice Award
What's not
  • No ‘no claims discount’ available
Mozo snapshot

The Woolworths Comprehensive Car Insurance policy offers up cover when you need it 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 2020 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 things 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 2 years 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 or to reduce your windscreen excess for 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 - including up to 15% off, which includes a 5% discount when you apply online (available for the first year only) and another 5% off when you exclude drivers under 25.

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.


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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 $2,600.

Details

Rates and fees information correct as at 30 September 2020. 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 - $2,000

  • $1,800 for listed drivers under 18, $800 for listed drivers between 18 and 21, $2,600 for unlisted drivers under 18, $1,600 for unlisted drivers between 18 and 21, $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)

  • No

  • 10%

  • n/a

  • No

  • 10% promotional discount|5% discount if you exclude drivers under 25|Drive Less Pay Less option to reduce premiums for limited kilometres.

Service features
  • Optional Extra

  • No

  • Yes

  • n/a

  • n/a

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 $70 per day.

  • Optional Extra. Up to 20 days, max $70 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.

  • No

  • Yes

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are Woolworths car insurance rated by the Mozo community?

Overall
7.1/10
Value for money
7.6/10
Policy coverage
7.3/10
Customer service
6.7/10
Claims handling
6.0/10
Trust
6.7/10

Latest reviews of Woolworths Comprehensive Car Insurance

  • Overall 1/10
    Dishonest and not trustworthy.

    After being with this company two years I was forced to lodge a claim after a tragic accident happened whilst my car was parked in the driveway. The other vehicle was totally destroyed and sadly its occupant passed away in the accident. When I contacted Woolworths I was told though my car was locked, stationery in its driveway I would still be out of pocket because they can’t collect from deceased people.

    Read full review

    After being with this company two years I was forced to lodge a claim after a tragic accident happened whilst my car was parked in the driveway. The other vehicle was totally destroyed and sadly its occupant passed away in the accident. When I contacted Woolworths I was told though my car was locked, stationery in its driveway I would still be out of pocket because they can’t collect from deceased people.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Craig, New South Wales reviewed 5 days ago
  • Overall 6/10
    Good price and good coverage.

    Woolworths Insurance isn't as pricy as some of the other insurers, and are clearer than some of the cheaper alternatives, but they offer a better product overall.

    Read full review

    Woolworths Insurance isn't as pricy as some of the other insurers, and are clearer than some of the cheaper alternatives, but they offer a better product overall.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    -1/10
    Claims handling
    -1/10
    Trust
    6/10
    Less
    Chris, Queensland reviewed 15 days ago
  • Overall 1/10
    Bad customer service

    Being waiting in line to cancel my car insurance for almost an hour. Customer service is really bad. To buy insurance you can either go online or call but to cancel you can’t do that through an online application. When I bought the insurance online straight away I received a call from the customer service department but now that I need to cancel they don’t answer. That’s my second try and I still get nothing. Very frustrating. I do not recommend this insurance company.

    Read full review

    Being waiting in line to cancel my car insurance for almost an hour. Customer service is really bad. To buy insurance you can either go online or call but to cancel you can’t do that through an online application. When I bought the insurance online straight away I received a call from the customer service department but now that I need to cancel they don’t answer. That’s my second try and I still get nothing. Very frustrating. I do not recommend this insurance company.

    Value for money
    -1/10
    Policy coverage
    -1/10
    Customer service
    1/10
    Claims handling
    -1/10
    Trust
    -1/10
    Less
    Italo, Queensland reviewed 15 days ago
  • Overall 1/10
    Disgraceful service.

    I pay my premiums by the month and regularly have to chase them to take the payment. I recently had an accident where a truck had debris fly off the back and hit my car. The service I've received has been terrible. No transparency, they take the lazy option and just try a squeeze money out of you. All of my repair centres are at least 40kms away from me and the hire car place they have tried to give me is nowhere near any of them. Total lack of care.

    Read full review

    I pay my premiums by the month and regularly have to chase them to take the payment. I recently had an accident where a truck had debris fly off the back and hit my car. The service I've received has been terrible. No transparency, they take the lazy option and just try a squeeze money out of you. All of my repair centres are at least 40kms away from me and the hire car place they have tried to give me is nowhere near any of them. Total lack of care.

    Value for money
    3/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Renee, New South Wales reviewed 19 days ago
  • Overall 4/10
    Comprehensive car insurance.

    Their premium is low but facilities they provide is too low.

    Read full review

    Their premium is low but facilities they provide is too low.

    Value for money
    4/10
    Policy coverage
    5/10
    Customer service
    4/10
    Claims handling
    4/10
    Trust
    4/10
    Less
    Nauroz, New South Wales reviewed 5 months ago
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