Is Coles or Everyday better?

Our research shows that Coles Insurance’s comprehensive product has more features than Everyday Insurance’s comprehensive insurance. However, Everyday offer a greater variety of car insurance products and can cater to low mileage drivers. If pricing is important to you (and it almost always is) then get a quote from both and see how they weigh up.

Coles vs Everyday Car Insurance

Sample quotes show Coles Comprehensive is significantly cheaper at $1,273.62 compared to Everyday's $2,518.62.
Coles often provides higher benefit limits for features like hire car and emergency travel costs.
Everyday's underwriter has a better complaint resolution rate and offers a Drive Less Pay Less policy.

Coles or Woolies — what's your favourite? Your answer will probably help you decide which insurer is the better option for you because both give you money off your food shop.

Coles vs Everyday — compare key features

We've compared the comprehensive car insurance policies on offer from Coles and Everyday car insurance. See the key differences between the two.

	Coles Comprehensive Insurance	Everyday Comprehensive
Underwriter	Auto & General Insurance Company Limited	The Hollard Insurance Company Pty Ltd
Accidental Damage
Damage to other people's car
Roadside assistance	Optional	Standalone
Agreed or market value	Agreed or Market	Agreed
Choice of repairer	Optional
Legal liability	$20,000,000	$20,000,000
Fire and theft
Storm
Flood
Hire car after theft	Up to $1,500 - Up to 21 days	Up to $50 per day - Up to 14 days
Hire car after no fault accident	Up to $75 per day	Optional Up to $50 per day
Hire car after at fault accident	Optional Up to $75 per day - Up to 21 days	Optional Up to $50 per day
Emergency repairs	Up to $500	Up to $500
Emergency travel and accommodation costs	Up to $1,000 - Up to $200 per day	Up to $500
New car replacement	If your car is written off in the first 2 years or is under 40,000kms	If your car is written off within 2 years of the original registration
Personal effects/property	Up to $500	Up to $500
Locks and keys replacement	Up to $1,000	Up to $1,000
Towing
Trailer cover	Up to $1,000	Up to $1,000
Important	Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.	Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.
	More info	More info

Coles vs Everyday car insurance prices compared

2 of 2 results

Sample quote
Everyday Comprehensive	Sample quote $2,518.62	View details Compare product selectionCompare	loading
Coles Comprehensive Insurance	Sample quote $1,273.62	View details Compare product selectionCompare	loading

Showing 2 of 2 results

To determine these insurance costs, we sourced comprehensive car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in February 2026.

Car insurance policies on offer

Coles offers 3 types of car insurance:

Coles Comprehensive
Coles Third party Fire & Theft
Coles Third Party Property Damage

Everyday offers 4 types of car insurance:

Everyday Comprehensive
Everyday Drive Less Pay Less
Everyday Drive Third Party Fire & Theft
Everyday Drive Third Party Property Damage

Coles and Everyday complaints information

Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Coles (Auto & General Services Pty Ltd) and Everyday (Hollard) have received and resolved.

Underwriter	Complaints received	Complaints resolved at registration & referral	Referral resolution rate
Auto & General Services Pty Ltd	1431	723	50.56%
Hollard	218	122	55.96%

Finder's verdict

Our expert says

"Looking at the comprehensive products from Coles and Everyday, you can see that Coles has more options available and higher benefit limits for hire car related features. If features aren't everything for you, it’s worth getting a quote from both insurers to see who comes out cheaper."

Peta Taylor

Associate publisher

FAQs

Our research shows that Coles Insurance’s comprehensive product has more features than Everyday Insurance’s comprehensive insurance. However, Everyday offer a greater variety of car insurance products and can cater to low mileage drivers. If pricing is important to you (and it almost always is) then get a quote from both and see how they weigh up.

Sources

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 572 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

ALDI car insurance review
ALDI car insurance offers comprehensive car insurance with really solid benefit limits.
ahm car insurance review
ahm offers a decent level of coverage but might not suit drivers on a tighter budget.
RACQ Roadside Assistance Review
RACQ offers strong benefits and service, but drivers can expect to pay higher premiums and a joining fee.
Australian Seniors car insurance review
With 5% off for seniors, budget-friendly policies, and some uncommon benefits, Australian Seniors is worth considering.
ANZ car insurance review
ANZ car insurance is typically more expensive than average, but it does have some generous benefits.
Australian Unity Car Insurance
Australian Unity car insurance, underwritten by Allianz, offers two levels of cover, the freedom to choose your own repairer and an easy 24-hour claims service.
APIA car insurance
APIA car insurance is issued by AAI Limited and offers 3 levels of cover, a range of discounts and a lifetime guarantee on repairs.
Coles Car Insurance review
Coles car insurance is a budget-friendly option for young people, but older drivers may be able to find cheaper cover elsewhere.
Allianz car insurance review
With a higher-than-average price but no particularly impressive benefits, Allianz was outperformed by many other car insurers in the 2024 Finder Insurance Awards.
AAMI car insurance review
With strong cover and reasonably-priced policies, AAMI performed well in the 2024 Finder Awards. However, some popular benefits are missing and cheaper options are available.

Coles vs Everyday Car Insurance

A side by side comparison of Coles and Everyday car insurance including expert analysis of features, complaints and reviews.