Alyssa Lane
Woolworths Everyday Insurance offers home insurance to its customers, which includes building and contents insurance. Woolworths' home insurance covers loss or damage to the building and/or contents, including water damage, theft, and storm damage. Customers can also purchase combined home and contents insurance policies, which may be available at a discounted rate. Woolworths Everyday Insurance also offers various discounts to its customers, such as 10% off in-store Woolworths grocery shopping every month. However, it's important to compare Woolworths' home insurance with other insurance providers in the market to find the right cover for your needs.
| Characteristics | Values |
|---|---|
| Company | Woolworths Everyday Insurance |
| Types of Insurance | Home and contents insurance, landlord insurance, car insurance, pet insurance |
| Discounts | 10% off in-store Woolworths shop every month, 10% off premium when combining home and contents insurance, save up to $600 a year |
| Coverage | Loss or damage to eligible personal items (e.g. jewellery, clothes, glasses), loss or damage to building or contents caused by water damage, theft, storm damage, fire damage, flood damage, bushfires, earthquakes, lightning damage |
| Customer Satisfaction | 57% of customers rated their experience with home insurance as above average or excellent, rated below average compared to other insurers |
| Customer Support | 24/7 Emergency Claims Assistance, online claims and updates, phone support |
| Underwriter | Hollard Insurance Company Pty Ltd |
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What You'll Learn
Discounts and savings
Woolworths Everyday Insurance offers various discounts and savings to its customers. Firstly, you can save up to $600 a year with 10% off an in-store Woolworths grocery shop every month, with a maximum saving of $50 per month. Secondly, you can get an extra 10% off your premium when you bundle your home and contents cover with Everyday Home Insurance, which can result in savings of up to $600 per year. This discount is applied for the first 12 months and is renewed annually as long as you maintain the combined policy.
Additionally, Woolworths offers a discount when you purchase a combined building and contents insurance policy online, allowing you to save up to 10%. This discount is backed by Hollard, one of Australia's largest insurers. Woolworths Everyday Insurance also provides optional benefits, such as electrical motor burnout cover, which can help pay for repairs or replacements due to electrical motor issues.
It's important to note that these offers and discounts are subject to eligibility criteria and terms and conditions, including minimum premiums that could reduce your discount. Additionally, the 10% discount on Woolworths grocery shops is only available to policyholders with a registered Everyday Rewards Card linked to their active Everyday Insurance policy.
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Coverage and exclusions
Some common exclusions in homeowners insurance policies include damage or loss due to flooding, earthquakes, landslides, sinkholes, and pest infestations. For example, if you live in an area with a high risk of hurricanes, you may need to purchase separate wind insurance. Additionally, mold is typically excluded unless it resulted from a covered peril, such as a storm breaking your window and causing water damage that leads to mold.
On the other hand, standard homeowners insurance policies typically cover wind damage and burst pipes. You can also purchase endorsements or add-ons to fill in any coverage gaps. For example, you can add electrical motor burnout coverage to your policy, which will help pay to fix or replace motors that are part of your building or contents.
When comparing homeowners insurance policies, it's important to carefully review the exclusions and coverage details to understand what is and isn't covered. Exclusions can depend on your insurance company, location, and specific situation. By understanding the exclusions, you can better protect your finances in the event of a disaster.
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Customer satisfaction
In a survey conducted by CHOICE in March 2025, Woolworths Everyday Insurance received a below-average rating for home insurance when compared to other insurers. However, 57% of Woolworths Everyday insurance customers still rated their experience with home insurance as above average or excellent. Customers highlighted the ease of obtaining a quote, affordability, and the range of benefits offered, including a 10% discount on in-store Woolworths grocery shops every month and coverage for bushfires and floods. Additionally, Woolworths Everyday Insurance was recognised in Finder's 2023 Customer Satisfaction Awards, receiving a 'Highly Commended Home Insurance' accolade for National, QLD, and SA.
On the other hand, some customers have expressed dissatisfaction with Woolworths Everyday Home Insurance. Online reviews indicate that some policyholders experienced challenges with the claims process, finding it less straightforward than expected. It is important to note that individual experiences may vary, and it is always advisable to conduct thorough research before selecting an insurance provider.
When comparing home insurance policies, it is essential to consider your unique needs and circumstances. Evaluate the coverage options, exclusions, and limitations of each policy to ensure they align with your requirements. Additionally, take into account the financial protection and mortgage requirements associated with homeownership. By carefully considering these factors and reviewing customer feedback, you can make a more informed decision about which home insurance policy best suits your needs and expectations.
Overall, while Woolworths Everyday Home Insurance has received mixed reviews, it is important to weigh both positive and negative experiences in the context of your specific needs and priorities. Conducting comprehensive research, comparing policies, and considering customer feedback will enable you to make a well-informed decision about your home insurance choice.
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Claim process
When it comes to Woolworths' homeowners insurance, the claim process is relatively straightforward. Here is a detailed overview of what to expect:
Understanding the Claim Process
Firstly, it's important to understand the overall claims process. Woolworths provides a guide to help you prepare and know what to do in case of an incident. The first priority is always your safety and that of your family and others. Move away from danger and proceed to a secure location if necessary. If anyone is injured or in case of serious incidents, contact emergency services in Australia by dialling 000. For overseas travel insurance emergencies, dial +61 2 9692 4479.
Lodging a Claim
To lodge a claim, you will need your policy details, a list of damaged, lost, or stolen property, and any supporting documents. You can initiate a claim by logging into the My Insurance Portal or calling the 24/7 claims line at 1300 10 1234. Woolworths also offers a claims line specifically for emergencies at the same number.
Claim Assessment and Approval
Once your claim is submitted, it will be assessed by the Woolworths claims team. They will check your policy, property, and damages to determine if your claim can be approved. If approved, they will inform you of the next steps and any excess payments required.
Property Inspection and Repairs
Woolworths will assign a dedicated Client Manager from their Home Claims Team to handle your claim. They will work with you to arrange a convenient time to inspect the damage to your property or contents. If it's a building claim, their Emergency Make-Safe Team will address any immediate hazards to secure your home. If it's a contents claim, they will request a list of items requiring repairs or replacement. Woolworths' Property Repair Team will assess the damages and engage additional experts if needed. They will discuss any irreparable or irreplaceable items with you.
Final Steps
Woolworths will cover the cost of repairs or rebuilding, whichever is applicable and lesser in cost. If you have contents insurance, they can arrange to store your belongings while repairs are ongoing. They can also perform a final inspection if you have any concerns.
Customer Satisfaction
According to a survey by CHOICE, 57% of Woolworths Everyday insurance customers rated their experience with home insurance as above average or excellent, specifically mentioning the claims process.
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Policy flexibility
Firstly, Woolworths provides the option to choose between combined home and contents insurance or separate policies for each. Combined policies offer convenience and may be available at a discounted rate. For example, you can save up to 10% on your premium when you combine building and contents insurance on one policy. This discount is applied for the first 12 months and is renewed annually as long as the policies remain combined. However, it's important to note that minimum premiums apply, which could reduce the discount.
Secondly, Woolworths allows customers to select from two levels of cover when purchasing combined building and contents insurance online. This flexibility ensures that customers can choose the level of protection that best suits their needs and budget. Additionally, Woolworths offers optional extras, such as the electrical motor burnout benefit, which covers the cost of repairing or replacing motors in the event of electrical burnout.
Another aspect of policy flexibility is the ability to adjust coverage after significant life changes or purchases. For instance, if you've made valuable purchases or undertaken renovations that increase the rebuild cost of your home, you can review and update your policy to ensure adequate coverage. This flexibility ensures that your insurance policy remains aligned with your changing needs and provides the necessary financial protection.
Furthermore, Woolworths Everyday Home Insurance offers flexible payment options. Customers have the choice to pay monthly installments, making it easier to manage their budgeting. This flexibility can be particularly beneficial for individuals who prefer to spread out their insurance payments over time.
Overall, Woolworths Everyday Home Insurance provides a range of flexible options to tailor the policy to the specific needs and preferences of homeowners. By offering combined or separate policies, different levels of cover, optional extras, and flexible payment plans, Woolworths allows customers to customize their coverage to match their unique circumstances.
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Frequently asked questions
Woolworths Everyday Home Insurance offers a range of benefits, including 10% off in-store Woolworths grocery shops every month, flood and bushfire cover as standard, and 24/7 emergency claims assistance. You can also save up to 10% by combining building and contents insurance.
In a customer satisfaction survey conducted by CHOICE, Woolworths Everyday Insurance rated below average for home insurance but above average for car insurance. 57% of Woolworths Everyday Insurance customers rated their experience with home insurance as above average or excellent.
You can make a claim with Woolworths Everyday Home Insurance by calling their phone number or lodging a claim online through your account. You will need your policy details, a list of the property that has been damaged, lost, or stolen, and any additional supporting documents.
