Coles vs Everyday Car Insurance
A side by side comparison of Coles and Everyday car insurance including expert analysis of features, complaints and reviews.
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 |
|
|
| Bonuses |
15% online discount |
10% off your monthly grocery shop. T&Cs apply. |
| Roadside assistance |
Optional |
Optional |
| 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. |
Coles vs Everyday car insurance prices compared
As part of our 2025 Finder car insurance awards, our experts and insights team analysed policies from 40 providers across Australia using a range of driver profiles across different states, ages and genders. Below is a breakdown of that research for Coles and Everyday.
On average, Coles typically offers cheaper car insurance than Everyday. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.
| Provider | NSW | QLD | SA | TAS | VIC | WA | Aus average |
|---|---|---|---|---|---|---|---|
| Coles | $2,187 | $1,752 | $1,674 | $1,658 | $2,331 | $1,730 | $1,889 |
| Everyday | $2,673 | $2,151 | $2,277 | $2,059 | $3,323 | $2,151 | $2,439 |
These quotes are based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.
About our car insurance methodology
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."
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