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 Insurance 2026: Full Comparison

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

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

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Written by

Gary Ross Hunter

Journalist

Add to Preferred Sources

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 554 Finder guides across topics including:

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

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Coles vs Everyday Car Insurance

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