READ THE PDS!!!

Not sure why Woolworths are different to everyone else, but NEVER take out group/family/couple policies. If you insist on taking out a policy with Woolworths, ensure you take out individual policies for each person. The reason being, taking out individual policies you get full value for money. Say for example, on the individual full comprehensive policy you get up to $10,000 that's payable. If you take out a couple policy, which is the same money as just two individual policies, HOWEVER, the amounts that you can claim aren't doubled... So, if both persons on the couples policy lost their baggage, they'd have to split the $10,000 between them. Even though they've paid exactly the same amount each as what someone on an individual policy has, all the payable amounts have to get divided by how many persons are on the policy. It's absolutely sneaky as. I rang and spoke with Woolworths insurance and confirmed that was the case. When asked, why? The lady simply said, "It's a very good question and perhaps that's one for the underwriter". Very very sneaky. When you really get into the policy, it's actually quite poor what you're actually getting. AVOID. Do your research and ensure you don't fall victim to companies like this!

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