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Everyday Car Insurance review

Everyday car insurance is good for perks and it offers adequate coverage with mid-range to higher pricing.

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Everyday

Our verdict

Pros

  • Everyday car insurance gives members 10% off their Woolworths shop once per month. With the average Australian household grocery bill soaring, these are worthwhile savings.
  • Its comprehensive policy offers up to $500 worth of cover for child safety seats and prams, in addition to coverage for personal effects. Most insurers only offer personal effects coverage.
  • Everyday car insurance was one of the top rated car insurers in our 2023 Customer Satisfaction Awards. It scored 4.36/5 stars.

Cons

  • It has mid-range to higher pricing but an average to low level coverage in comparison to other comprehensive policies. You may be able to get a similar policy for cheaper elsewhere.
  • For third party property and third party fire & theft policies, the uninsured motorist benefit covers up to $3,000 - this is lower than others who cover up to $5,000 as standard.
  • Excess free windscreen cover is only an optional extra. Other insurers like Australia Post include excess free windscreen repairs as part of its standard comprehensive policy.

How does Everyday compare with other insurers?

As part of our 2023 car insurance awards, our experts analysed 30+ comprehensive car insurance policies, comparing over 640 features and 1,000+ quotes. Here's how Everyday stacked up next to other insurers.

Features

Everyday's comprehensive car insurance policy offers reasonable coverage for a mid-range cost. In terms of perks, it's great for those who shop at Woolworths as you can get 10% off your grocery shop once per month. Otherwise it offers a similar level of coverage to other insurers who may be cheaper. It includes damage to your own car, damage to other people's property, a new car replacement if yours is written off within 2 years of its first registration, a hire car after theft and personal effects coverage up to $500.

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Everyday Comprehensive
  • If your car is written off within 2 years of the original registration
  • Optional
    Finder’s summary: It offers up to $500 worth of cover for child safety seats and prams, in addition to $500 in cover for personal belongings – not all insurers offer this. Plus, enjoy 10% off your Woolies shop each month. T&Cs apply.

    Who it might be good for: Families and those who like to make savings as they shop at Woolies.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Youi Comprehensive
    Optional
  • If your car is written off or stolen in the first 2 years
  • Finder's summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards.

    Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
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    Price

    According to our research, Everyday's comprehensive policy sits around the middle in terms of pricing. We looked at 32 insurers; Everyday was cheaper than 10 other policies and more expensive than 21 others. See below how it compares to other popular car insurers.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Everyday logo$1,737$1,281$1,307$1,105$1,913$1,303$1,551Get quote
    Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
    youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
    NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
    AAMI$1,533$912$874$811$1,054$816$1,000More info

    About our car insurance methodology

    Customer Satisfaction rating

    Each year, our experts and insights team asks Australians to score their car insurance provider. As part of the Car Insurance Customer Satisfaction Awards for 2023, we asked over 5,700 Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the 15+ insurers scored, these were the top 5. See our methodology for how each provider was scored.
    Brand Overall satisfaction rating
    Youi car insurance ★★★★★ 4.38/5
    Everyday car insurance ★★★★★ 4.36/5
    AAMI car insurance ★★★★★ 4.32/5
    Budget Direct car insurance ★★★★★ 4.32/5
    QBE car insurance ★★★★★ 4.22/5

    Compare Everyday car insurance policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Everyday Comprehensive
    Optional
  • If your car is written off within 2 years of the original registration
  • Up to $50 per day - Up to 14 days
  • Finder’s summary: It offers up to $500 worth of cover for child safety seats and prams, in addition to $500 in cover for personal belongings – not all insurers offer this. Plus, enjoy 10% off your Woolies shop each month. T&Cs apply.

    Who it might be good for: Families and those who like to make savings as they shop at Woolies.
    Everyday Third Party Fire and Theft
    Optional
  • Up to $50 per day - Up to 14 days
  • Everyday Rewards Members can save 10% once a month on their Woolies shop. T&Cs apply.
    Everyday Third Party Property Damage
    Optional
  • Everyday Rewards Members can save 10% once a month on their Woolies shop. T&Cs apply.
    Everyday Drive Less Pay Less
    Optional
  • If your car is written off within 2 years of the original registration
  • Up to $50 per day - Up to 14 days
  • Everyday Rewards Members can save 10% once a month on their Woolies shop. T&Cs apply.
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    Everyday car insurance policy options

    Comprehensive

    Everyday comprehensive car insurance & drive less pay less includes:

    Damage caused by:

    • Accidents and collisions
    • Theft or attempted theft
    • Malicious damage
    • Fire
    • Natural events

    It also includes:

    • Legal liability up to $20 million
    • New car replacement if yours is written off within 2 years of its first registration
    • Hire car after after theft - up to $50 per day for 14 days
    • Trailer cover up to $1000
    • Essential repairs up to $500
    • Transit cover
    • Personal effects up to $500
    • Child safety seats and prams up to $500
    • Emergency travel and accommodation costs up to $500
    • Locks and keys up to $1000
    • Towing costs
    • Substitute car legal liability cover

    Third party fire & theft

    Everyday's third party fire & theft policy includes:

    Cover for damage caused by:

    • Theft or attempted theft
    • Fire

    It also includes:

    • Damage to other people's property
    • Hire car after theft - up to $50 per day for 14 days
    • Trailer cover - up to $1000
    • Essential repairs up to $500
    • Transit cover
    • Personal effects up to $500
    • Child safety seats and prams up to $500
    • Emergency travel and accommodation costs up to $500
    • Locks and keys up to $1000
    • Towing costs
    • Substitute car legal liability cover
    • Uninsured motorist extension benefit for up to $3,000

    Third party property damage

    Third party property damage cover includes:

    • Damage to other people's property
    • Substitute car legal liability cover
    • Uninsured motorist extension benefit for up to $3,000
    Finder Awards badge

    Congratulations, Everyday!

    Everyday received the following highly commended awards in the 2024 Customer Satisfaction Awards:

    • 'Car Insurance - VIC' - Loved Brand
    • 'Car Insurance - VIC' - Value Brand
    • 'Car Insurance - VIC' - Trusted Brand
    • 'Car Insurance - VIC' - Quality Service Brand

    What additional cover options are available?

    • Excess free windscreen cover: This option means that if you need to claim for windscreen damage only, you won't be charged an excess. This option is available on comprehensive and third party fire and theft policies.
    • Hire car cover: This means you'll have access to a hire car in the event your car is off the road. This is an optional add on for comprehensive and fire & theft policies.
    • Roadside assistance: This is an optional add on for all Everyday policies.

    FAQs

    Compare other products from Everyday

    Gary Ross Hunter's headshot
    To make sure you get accurate and helpful information, this guide has been edited by Gary Ross Hunter as part of our fact-checking process.
    Peta Taylor's headshot
    Written by

    Publisher of Insurance

    Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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    12 Responses

      Default Gravatar
      TonieMarch 27, 2017

      Does WW car insurance cover for a windscreen replacement without paying an excess?

        AvatarFinder
        ZubairMarch 28, 2017Finder

        Hi Tonie,

        Thank you for your question.

        Yes, Woolworths does provide cover for your first windscreen without paying an excess. This will be implemented to comprehensive, third Party Property and Fire & Theft products as they stated in their product disclosure statement: We will pay the cost of replacing or repairing the front windscreen of your car if it is accidentally broken or damaged. We will not apply the agreed excess(es) (set out in your Certificate of Insurance) to the first windscreen claim made in any one period of insurance.

        All the best,
        Zubair

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