Everyday Insurance (formerly Woolworths Insurance) has been providing insurance since 2011. They provide car insurance as well as home (including cover for landlords and renters), pet, roadside assistance and life insurance products.
Everyday Insurance is issued and underwritten by global insurance powerhouse, Hollard.
Everyday Insurance offers customers a selection of policies, including Third Party Property Damage, Third Party Fire and Theft and a Comprehensive policy (the broadest level of cover available). Everyday Insurance also offers roadside assistance as a standalone product or as an optional extra available for all levels of car insurance.
Additionally, if you don’t drive very often, you could be eligible for an Everyday Drive Less Pay Less car policy. It provides the same coverage as their Comprehensive product at a competitive cost to reflect the minimal usage of your car.
Everyday car insurance covers a range of insured events under each policy, which are outlined below.
| What’s covered? | Third Party Property Damage | Third Party Property Fire and Theft | Comprehensive |
| Collision damage to your car | ✗ | ✗ | ✔ |
| Damage to other people’s property | ✔ | ✔ | ✔ |
| Theft or attempted theft | ✗ | ✔ | ✔ |
| Malicious damage | ✗ | ✗ | ✔ |
| Fire damage | ✗ | ✔ | ✔ |
| Natural events | ✗ | ✗ | ✔ |
| Legal liability | ✔ | ✔ | ✔ |
| New for old car replacement* | ✗ | ✗ | ✔ |
| Trailer and caravan cover – up to $1,000 | ✗ | ✔ | ✔ |
| Essential repairs | ✗ | ✔ | ✔ |
| Transit cover | ✗ | ✔ | ✔ |
| Personal property | ✗ | ✔ | ✔ |
| Child safety seats and prams | ✗ | ✔ | ✔ |
| Emergency, Travel and Accommodation costs | ✗ | ✔ | ✔ |
| Lock and key replacement | ✗ | ✔ | ✔ |
| Towing costs | ✗ | ✔ | ✔ |
| Uninsured motorist damage to your car | ✔ | ✔ | ✔ |
| Hire car after theft – up to $50 per day up to 14 days | ✗ | Optional extra | Optional extra |
| Excess free windscreen cover | ✗ | Optional extra | Optional extra |
| Hire Car Cover | ✗ | Optional extra | Optional extra |
| Roadside assistance | Optional service | Optional service | Optional service |
| Information is accurate as of February 2023 and subject to change. Full coverage details and applicable definitions, exclusions and limitations are set out in Everyday Insurance’s Product Disclosure Statement (PDS). Always read the PDS and Target Market Determination for each policy before making a decision to buy. * New car replacement for cars first registered to the policyholder and for the first two years following the car’s initial registration. | |||
Everyday Insurance accepts direct debit payments on an annual or monthly basis.
For new customers, it’s as easy as setting up a direct debit when you are ready to purchase a policy. Your first and future payments will then be automatically debited within five business days from the policy start date.
If you’re a returning customer renewing your policy, Everyday Insurance will send you a renewal notice at least 14 days before the renewal date.
For all car policies, you can choose to pay annually or monthly payment schedules. However, if you choose to pay your premium annually, you’ll save additional costs.
Everyday car insurance can cover drivers under 25 years old, whether through your own policy or as a listed driver on someone else’s. Additionally, certain age restrictions may apply to certain vehicles.
You can make a claim 24/7 in two ways: calling the dedicated claims line or logging in to your customer account on Everyday Insurance’s website. You’ll need to provide details when you go to make a claim, including:
You will have to pay any applicable excesses when making a claim. You will likely have a basic excess as well as any others that might apply depending on the circumstances of your claim. These can include:
You can cancel your car insurance policy anytime by calling Everyday Insurance on the phone or using the online customer login which you will be provided access to upon purchasing a policy. Everyday Insurance gives customers a 14-day cooling-off period where you will receive a full refund if you cancel your policy within 14 days from purchasing or renewing (provided you haven’t made any claims).
If you paid for the full year and cancelled after the cooling-off period, you will receive a refund for the rest of the year’s coverage you haven’t used yet. If you have made a claim, any payouts would also affect your refund.
There are a number of general exclusions which mean that any claim you make for these won’t be covered by Everyday Insurance. For example, these exclusions include (but are not limited to):
N.B. Other conditions and exclusions apply.
Want to compare car insurance without having to go to multiple websites? Our free comparison service lets you compare multiple policies from different providers – including Everyday Insurance – with ease.
Save time by weighing up policies by price, coverage, benefits, exclusions and more in just minutes with us. See if you can save and compare today with Compare the Market.
Insurance issued by The Hollard Insurance Company Pty Ltd. For full details view the Product Disclosure Statement when comparing policies through our service. When viewing the results you can see other related policy documents such as the Target Market Determination under ‘Is this product suitable for me?’
Any advice is general in nature. This information is accurate as of February, 2023.
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