Woolworths Car Insurance

Many people associate Woolworths with the weekly groceries but did you know that they are also a provider of car insurance in Australia, as well as other products such as home, landlord and renters, pet, life and travel insurance? We have provided a summary of the car insurance cover available from Woolworths below.
Woolworths Outstanding Value Award Winner

What types of car insurance does Woolworths Insurance offer?

At the time of writing, Woolworths Insurance provides a range of car insurance options including comprehensive, third-party fire and theft, and third-party property damage.

If you’re unsure about which kind of car insurance is most appropriate for you, or you’d like more information on the differences between the different levels of cover, here’s our guide to the different kinds of car insurance.

Below is further information on the comprehensive car insurance offerings from Woolworths Insurance.

Woolworths Insurance Comprehensive Car Insurance

Woolworths Insurance information states that its comprehensive car insurance product is for customers who want to insure their car against accidental loss or damage caused by a collision, natural event, fire, theft, attempted theft, or malicious damage by others, and for liability for loss or damage to other people’s property caused by the car if the driver is at fault.

If your car is written off, Woolworths Insurance states for eligible policyholders, they will provide a new replacement as long as it’s two years or less from the date of registration. They also provide cover for the damage bill to another person’s car or property up to $20m, as well as cover you for theft and vandalism.

Some other features include:

  • Damage from natural weather events
  • Valuables inside your car at the time of an incident
  • Towing
  • Lock and car key replacement
  • Trailers or caravans
  • Emergency travel and accommodation
  • Essential repairs
  • Transit mishaps
  • Damage made by other drivers or passengers

In addition, customers can choose to add on the following optional features at an extra cost:

  • Excess-free windscreen cover
  • Hire car cover
  • Roadside assist

Woolworths Insurance states that they also offer a Drive Less Pay Less policy, which is comprehensive cover where the premium (cost) is based on how many kilometers you plan to drive. According to the provider, if you drive 15,000kms or less in a year, you may also be eligible for a premium reduction.

Excesses apply, as do conditions and value limits. It’s a wide idea to check the Product Disclosure Statement (PDS) issued by Woolworths Insurance before signing up.

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Woolworths FAQs

How do you buy car insurance from Woolworths Insurance?

You can purchase a Woolworths Insurance car insurance policy online, or over the phone.

 

Consider comparing comprehensive car insurance policies among a range of providers with Canstar to see if you can find a product that suits your needs.

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Does Woolworths Insurance let you nominate a higher or lower excess?

Yes, Woolworths Insurance generally allows you to nominate a higher or lower excess on all of its car insurance policies (for eligible applicants). The company states that the Basic excess is between $500 and $5,000.

Remember, generally the higher the excess, the lower the car insurance premiums will be and vice versa.

Other excesses that could apply on top of the Basic excess include:

  • Age excess for drivers aged under 25
  • Undeclared young driver excess for drivers aged under 25 and not declared on the policy
  • Learner driver excess (paid in addition to Basic excess plus any other applicable excesses, such as the age or undeclared driver excesses)
  • Inexperienced driver excess, if the driver is aged over 25 and has not held a valid licence for at least two years (excluding learners licences and permits)
  • Special excesses

Woolworths Insurance allows policyholders to choose between covering their vehicle for its market value or an agreed value for most claim types. Some exclusions may apply. Check with Woolworths for details.

If you’re not sure which of these options would be better for your vehicle specifically, here’s an article about market vs agreed value which could help you make your mind up.

How do you lodge a claim with Woolworths Insurance?

You can lodge a claim with Woolworths Insurance by calling their Claims team on 1300 10 1234 (Emergency claims team open 24/7), submitting a claim through their website’s My Insurance Portal, or by downloading their claim form and emailing it to carreport@email.woolworthsinsurance.com.au or faxing it to 02 8889 9511. 

About Woolworths Insurance

Woolworths is mainly known in Australia as a household grocery supermarket chain. Woolworths Insurance was founded in 2011, after the launch of Woolworths Money in 2008.

Woolworths Insurance products are underwritten by The Hollard Insurance Company, one of the largest insurers in Australia.

Written by: Amanda Horswill | Last updated: October 1, 2021