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!
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.
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.
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).
| 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) | |
| No | |
| 10% | |
| n/a | |
| No | |
| 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. |
| Optional Service - $88 a year with a new Car Insurance policy | |
| No | |
| Yes | |
| 10% off grocery shop once a month, up to $500, conditions apply. | |
| n/a |
| 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. | |
| No | |
| No |
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.
My car was stolen. Instead of recovering to the insured amount, they asked private investigator and I feel being treated like a criminal. When you tried to contact the claim specialist the phone went to answering machine all the time but you cannot leave a message. Very bad service.
Read full reviewMy car was stolen. Instead of recovering to the insured amount, they asked private investigator and I feel being treated like a criminal. When you tried to contact the claim specialist the phone went to answering machine all the time but you cannot leave a message. Very bad service.
Had no problems.
Read full reviewHad no problems.
Woolworths are a reputable company, they offered good value insurance compared to other main stream company’s. Sign up was easy and could also connect to my Woolworths rewards card which offered points and bonus discounts on grocery shopping.
Read full reviewWoolworths are a reputable company, they offered good value insurance compared to other main stream company’s. Sign up was easy and could also connect to my Woolworths rewards card which offered points and bonus discounts on grocery shopping.
Great value for money, service and quality.
Read full reviewGreat value for money, service and quality.
The price for the cover you get on the comprehensive car cover is great, every year I do a comparison and every year Woolworths car insurance comes in best priced. I’ve had one claim with them and feel like it could have been a lot smoother, they were unsure on what was required from me in the case of a stolen key, and I had to make a few calls to get the correct answer, I also waited on the phone for over an hour each time I called. I’ve called them to change my address twice as you can’t change your address online which is annoying, and I also waited 40 odd minutes to do that. You also have to ensure that your actual kms don’t go over the estimate you give them, if you do and then you claim you may not be covered or have more of an excess. Overall they are much much cheaper then the rest, so having to spend a bit extra time then I’d like is worth it - i've been with them going on 4 years.
Read full reviewThe price for the cover you get on the comprehensive car cover is great, every year I do a comparison and every year Woolworths car insurance comes in best priced. I’ve had one claim with them and feel like it could have been a lot smoother, they were unsure on what was required from me in the case of a stolen key, and I had to make a few calls to get the correct answer, I also waited on the phone for over an hour each time I called. I’ve called them to change my address twice as you can’t change your address online which is annoying, and I also waited 40 odd minutes to do that. You also have to ensure that your actual kms don’t go over the estimate you give them, if you do and then you claim you may not be covered or have more of an excess. Overall they are much much cheaper then the rest, so having to spend a bit extra time then I’d like is worth it - i've been with them going on 4 years.