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Coles vs Woolworths Car Insurance

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

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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 Woolworths car insurance?

With Woolworths car insurance, you'll receive $70 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.

Woolworths also has a 'Drive Less Pay Less' car insurance policy tailored to part-time drivers. If you drive less than 27km a day, 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 Woolworths do not.

How do the brands compare?

Coles car insurance logo


Woolworths logo


About the providerColes is on of Australia's largest retailers, offering not only groceries, but also insurance. Their products have the added benefit of being linked to flybuys, which means that you can earn more points faster.Woolworths Insurance claim that they give 'simple, straightforward cover to help protect the thngs you love'. They offer car, home, pet, travel, landlord, and life insurance.
UnderwriterInsurance Australia LimitedThe Hollard Insurance Company Pty Ltd
State servedAustralia wideAustralia wide
Products availableComprehensive, Comprehensive Plus, Third party fire & theft, Third party damageComprehensive, Third party fire & theft, Third party damage, Drive less pay less
Damage to car
Theft or attempted theft
Hire car after theftUp to $75 per day (Max 14 days)Up to $50 per day (Max 14 days)
Emergency repairs$500$500
Emergency travel and accommodation costs$500$500
New car replacementYes - If your car is written off in the first 2 yearsYes - If your car is written off within 2 years of the original registration
Personal property$500$500
Grocery replacement cover$200
Locks and keys replacement$1,000$1,000
Trailer and caravan cover$1,000$1,000
Roadside assistanceOptionalOptional
Pay in full discount
Get quoteGet quote

Who offers higher coverage?

Both Coles and Woolworths 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. Woolworths, 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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