Explore Car Insurance

Everyday car insurance at a glance:

  • Multiple levels of cover to choose from
  • 24/7 claims lodgement

About Everyday Insurance

Everyday Insurance (formerly Woolworths Insurance) has been providing insurance since 2011. They provide car insurance as well as home (including cover for landlords and renters), pet, roadside assistance and life insurance products.

Everyday Insurance is issued and underwritten by global insurance powerhouse, Hollard.

What Everyday car insurance covers

Everyday Insurance offers customers a selection of policies, including Third Party Property Damage, Third Party Fire and Theft and a Comprehensive policy (the broadest level of cover available). Everyday Insurance also offers roadside assistance as a standalone product or as an optional extra available for all levels of car insurance.

Additionally, if you don’t drive very often, you could be eligible for an Everyday Drive Less Pay Less car policy. It provides the same coverage as their Comprehensive product at a competitive cost to reflect the minimal usage of your car.

Everyday car insurance covers a range of insured events under each policy, which are outlined below.

What’s covered?Third Party Property DamageThird Party Property Fire and TheftComprehensive
Collision damage to your car
Damage to other people’s property
Theft or attempted theft
Malicious damage
Fire damage
Natural events
Legal liability
New for old car replacement*
Trailer and caravan cover – up to $1,000
Essential repairs
Transit cover
Personal property
Child safety seats and prams
Emergency, Travel and Accommodation costs
Lock and key replacement
Towing costs
Uninsured motorist damage to your car
Hire car after theft – up to $50 per day up to 14 daysOptional extraOptional extra
Excess free windscreen coverOptional extraOptional extra
Hire Car CoverOptional extraOptional extra
Roadside assistanceOptional serviceOptional serviceOptional service
Information is accurate as of February 2023 and subject to change. Full coverage details and applicable definitions, exclusions and limitations are set out in Everyday Insurance’s Product Disclosure Statement (PDS). Always read the PDS and Target Market Determination for each policy before making a decision to buy.
* New car replacement for cars first registered to the policyholder and for the first two years following the car’s initial registration.

Why choose Everyday car insurance?

  • Everyday benefits and options include:
  • Drive Less Pay Less – Low kilometre policy for more competitive comprehensive cover
  • 24/7 claims lodgement
  • Choice of a higher excess for a lower premium (and vice versa)

Frequently asked questions

How can I pay for my Everyday car insurance and is it cheaper to pay my premium annually?

Everyday Insurance accepts direct debit payments on an annual or monthly basis.

For new customers, it’s as easy as setting up a direct debit when you are ready to purchase a policy. Your first and future payments will then be automatically debited within five business days from the policy start date.

If you’re a returning customer renewing your policy, Everyday Insurance will send you a renewal notice at least 14 days before the renewal date.

For all car policies, you can choose to pay annually or monthly payment schedules. However, if you choose to pay your premium annually, you’ll save additional costs.

Does Everyday car insurance cover drivers under 25?

Everyday car insurance can cover drivers under 25 years old, whether through your own policy or as a listed driver on someone else’s. Additionally, certain age restrictions may apply to certain vehicles.

How do I make a car insurance claim with Everyday insurance?

You can make a claim 24/7 in two ways: calling the dedicated claims line or logging in to your customer account on Everyday Insurance’s website. You’ll need to provide details when you go to make a claim, including:

  • Your policy number
  • The date, time and location of the incident
  • What happened
  • The name, address, contact number and licence number of any other drivers involved
  • The contact details of any witnesses
  • The cars involved
  • Photographs
  • Police reports (if applicable)

What is the excess on Everyday car insurance?

You will have to pay any applicable excesses when making a claim. You will likely have a basic excess as well as any others that might apply depending on the circumstances of your claim. These can include:

  • Learner driver excess if the driver is on their learner’s licence.
  • Age excess if the driver is under 25 (does not apply to learner drivers).
  • Undeclared young driver excess if the driver is under 25 and not listed on the Certificate of Insurance. This does not apply if the learner driver excess applies, but it does apply in addition to any applicable age excess.
  • Inexperienced driver excess if the driver is 25 or older but has not held aa valid licence to drive in Australia for at least two years (does not apply to learner drivers).
  • Outside odometer excess applies to Drive Less Pay Less customers. This excess applies when your odometer reading at renewal is below the start reading or above the end reading listed in the Certificate of Insurance. It can also apply when the odometer is faulty or replaced and Everyday Insurance was not notified.
  • Special excess is only applied if shown on your Certificate of Insurance and may be based on things such as the car, its use, your driving record or the insurance history of the listed drivers that use the car.

How do I cancel my Everyday car insurance?

You can cancel your car insurance policy anytime by calling Everyday Insurance on the phone or using the online customer login which you will be provided access to upon purchasing a policy. Everyday Insurance gives customers a 14-day cooling-off period where you will receive a full refund if you cancel your policy within 14 days from purchasing or renewing (provided you haven’t made any claims).

If you paid for the full year and cancelled after the cooling-off period, you will receive a refund for the rest of the year’s coverage you haven’t used yet.  If you have made a claim, any payouts would also affect your refund.

What isn’t covered by Everyday car insurance?

There are a number of general exclusions which mean that any claim you make for these won’t be covered by Everyday Insurance. For example, these exclusions include (but are not limited to):

  • Unaccompanied learner drivers
  • Drivers below the age of 25 if this age restriction is listed on the Certificate of Insurance
  • Unlicensed driver or not complying with the conditions of their licence
  • Driving under the influence of drugs or alcohol
  • Dangerous driving
  • Transporting dangerous goods
  • Carrying passengers for money
  • Using the car for driving tuition in exchange for payment
  • Motorsports
  • Carrying more passengers than the car is designed to carry
  • Using the wrong fuel type for your car
  • General wear and tear
  • Deliberate damage to the car by yourself or where you gave implied or actual consent for someone else to carry out the damage
  • Fraudulent claims
  • Illegal activity

N.B. Other conditions and exclusions apply.

Car insurance comparison made easy

Want to compare car insurance without having to go to multiple websites? Our free comparison service lets you compare multiple policies from different providers – including Everyday Insurance – with ease.

Save time by weighing up policies by price, coverage, benefits, exclusions and more in just minutes with us. See if you can save and compare today with Compare the Market.


Insurance issued by The Hollard Insurance Company Pty Ltd. For full details view the Product Disclosure Statement when comparing policies through our service. When viewing the results you can see other related policy documents such as the Target Market Determination under ‘Is this product suitable for me?’

Any advice is general in nature. This information is accurate as of February, 2023.

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