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Coles vs Everyday Car Insurance

See how the Aussie supermarket's car insurance policies compare.

You might prefer to do your grocery shopping at one over the other, but who offers the better car insurance? To make your decision easier, we've put together a list of features to see who offers the best car insurance policy for you.

What's the difference between Coles and Everyday car insurance?

With Everyday car insurance, you'll receive $50 per day for up to 14 days for a car hire if your car is stolen, while Coles will pay $75 per day for the same length of time. Both offer hire car after an accident as an optional benefit.

Everyday also has a 'Drive Less Pay Less' car insurance policy tailored to part-time drivers. If you drive less than 15,000km a year, you can qualify for comprehensive car insurance but with a lower premium.

If you have a good driving record, then Coles might be the more suitable provider for you. They offer a no claims discount to drivers with a good insurance record and no at-fault claim. Coles also provide $200 grocery replacement cover, while Everyday do not.

How do the brands compare?

Coles Comprehensive image
Coles Comprehensive
Everyday Comprehensive image
Everyday Comprehensive
Underwriter Insurance Australia Limited (IAL) The Hollard Insurance Company Pty Ltd
Accidental Damage
Damage to other people's car
Bonuses 10% online discount 10% off your monthly grocery shop. T&Cs apply.
Roadside assistance Optional
Agreed or market value Agreed or Market
Agreed or Market
Choice of repairer
Legal liability $20,000,000 Yes - $20,000,000
Fire and theft
Hire car after theft Yes - Up to $75 per day (Max 14 days) Yes - Up to $50 per day - (Max 14 days)
Hire car after no fault accident Optional - Up to $50 per day
Hire car after at fault accident Optional - Up to $75 per day (Max 14 days) Optional - Up to $50 per day - Up to maximum hire period shown on the Certificate of Insurance
Emergency repairs Yes - $500 Yes - $500
Emergency travel and accommodation costs $500 Yes - $500
New car replacement 2 years 2 years
Personal effects/property $500 $500
Locks and keys replacement $1,000 Yes - $1,000
Emergency repairs
Trailer cover $1,000 $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

Who offers higher coverage?

Both Coles and Everyday offer very similar levels of coverage. For instance, both offer a $500 benefit for personal property, $1,000 for trailer and caravan cover, $500 for emergency travel and accommodation costs, $500 for emergency repairs and $1,000 for locks and key replacement. The only small, $5 difference is in their daily allowance for car hire after theft.

What companies does each underwriter work with?

Coles is underwritten by Insurance Australia Limited (IAL), the largest general insurance company in Australia and New Zealand. IAL underwrite almost $12 billion of premium per year. Everyday, on the other hand, is underwritten by the Hollard Insurance Company Pty Ltd. Hollard are a global insurer originally based in South Africa. They now provide insurance in Europe, India, China, Australia and New Zealand.

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