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Coles car insurance review

Coles car insurance comes with some competitive levels of cover and perks like the chance to save 15% on your premium.

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Thinking about jumping onboard Coles car insurance? Read on to learn out about the three cover options from Coles and see if one could be the right fit for your needs.

Our Verdict:

  • A comprehensive plan may be a no-brainer for those who want to pair decent cover limits with the chance to make further savings as you shop at Coles.
  • With Coles, there are three tiers of car cover – Comprehensive, Third Party Fire and Theft and Third Party Property Damage. Choosing to pay annually instead of monthly can reduce admin and transaction fees, making your policy cheaper
  • Coles' new car replacement benefit of up to 2 years is on par with most of the market. But keep in mind you can get protection for up to 3 years with Austraia Post and Bingle.

Review by our car insurance senior writer James Martin

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What policy options do I have?

Coles Car Insurance offers three cover options for Australian drivers:

  • Comprehensive. Coles' most popular cover provides the protection you need when you need it most. Covering you for collision damage, theft, damage to other property, and more.
  • Third Party Fire and Theft. Protection from incidents like fire, theft and damage to other people's property with up to $20,000,000 in legal liability cover.
  • Third Party Property Damage. Insurance against damage to other cars and property, as well as up to $3,000 for damage to your car caused by uninsured drivers you're able to identify them.

What does each policy cover?

  • Damage to your car. For accidental and malicious damage, storm, fire, flood and hail
  • Stolen car. Covers whether your car is found or not.
  • Stolen keys replacement. A new set if yours are stolen.
  • Damage to other people's car or property (if done when using your car, trailer or caravan)
  • Emergencies covered. Up to $1,000 for emergencies, which includes up to Yes - $500 for emergency accommodation and costs to complete your journey and up to Yes - $500 for emergency repairs.
  • Hire car if yours is stolen. Yes - Up to $75 per day - Up to 14 days
  • New-for-new car replacement. Yes - If your car is written off in the first 2 years and was insured from the first rego.
  • Personal property cover (Excludes mobile phones & GPS devices)
  • Grocery replacement. Up to $200 for damaged or stolen groceries.
  • Child seats and baby capsules replacement. Up to Yes - $500 when covered by an insured event or stolen from your locked car.
  • Damage to other people's car or property
  • Stolen car. Cover whether your car is found or not.
  • Cover for towing and storage costs. If your car is involved in an insured event or recovered after a theft.
  • Fire damage to your car. Cover for damage to your car from fire or explosion.
  • Damage caused by uninsured drivers up to $3,000
  • 24/7 claims lodgement service.
  • Damage caused by uninsured drivers up to $3,000
  • Damage to other people's car or property if done when using your car, trailer or caravan attached to your car
  • Change of car. If you replace it with another similar car during the period of insurance.
  • Legal liability cover – up to $20,000,000 for claims in relation to a single incident

What exclusions should I be aware of?

Your claim will not be paid if:

  • It is for additional loss or damage caused by your car being driven after an accident or theft
  • It is covered by any compulsory third-party insurance scheme
  • It arises due to a deliberate, malicious or criminal act by you or someone acting with your consent
  • It is for an incident that occurred while your car was being demonstrated for sale
  • The driver of your vehicle was under the influence of alcohol or drugs
  • Your car was being used for hire, fare or reward
  • It arises due to bushfires, grass fires, flood, storm, rainwater or named cyclone occurring in the first 48 hours of your start date
  • Your car was being used in a way other than the purpose for which it was registered or a permit to drive is granted and whilst within Australia.
  • It is for pre-existing damage, faulty workmanship or incomplete repairs carried out prior to the insured event
  • You have chosen to limit cover to drivers 25 years and older and the driver at the time of an incident was under 25 and at fault
  • Your car was being used for motor sport or racing
  • Your car was being used in connection with the motor trade for experiments, tests or trials
  • It arises due to undisclosed or illegal modifications
  • Your car was being used for an unlawful purpose or driven by an unlicensed driver (unless stolen)
  • Your car was being driven while unregistered
  • Your car was being used to tow a load that was not secured according to law

What excess will I be charged?

The excess is the amount you have to pay to contribute towards the cost of your claim. Increasing the excess you are willing to pay may reduce your premium. The excesses that apply to your individual policy will be shown on your schedule.

  • Standard excess. This excess is payable on all claims, except if you have an optional excess-free windscreen claim included in your cover.
  • Voluntary excess. You may choose a higher excess to reduce your premium amount.
  • Age excess. This excess applies when the driver of your car is under 25 years of age.
  • Inexperienced driver excess. If the driver of your car is 25 years or older and has not held a licence for at least two years at the time of the collision, you will need to pay this excess.
  • Unlisted driver excess. This excess applies when the driver of your vehicle is under 25 years of age and not listed in your insurance schedule.
  • Special excess. A special excess may also be applied based on the driving record and insurance history of the drivers of your car.

How can you save on your policy?

There are several things you can do to reduce the cost of your Coles Car Insurance premium, including:

  • Buy online. Comprehensive, Third Party Fire and Theft, and Third Party Property Damage policies offer a discount when you purchase a cover online.
  • Choose a higher excess. You may receive a reduced premium in return.
  • Choose a lower level of cover. The lower the level of cover you choose, the more affordable it will be. Reducing the number of optional extras you add to your policy will also lead to a cheaper premium.
  • Pay annually and save. Paying annually instead of by the month can reduce admin and transaction fees, making your policy cheaper.
  • Flexibility of optional extras. Choose if you want optional extras such as windscreen cover or roadside assistance, so you only pay for the extras you want.

Am I eligible for Coles car insurance?

To be eligible for Coles Car insurance whether it is a comprehensive or third party policy, your vehicle must meet some basic criteria.

  • It must be a passenger vehicle
  • It must be in good epair and condition and meet registration requirements in your state or territory
  • Must not be used as a hire vehicle, taxi or for racing

How do I make a claim?

If you need to make a claim on your Coles Car Insurance policy, contact the dedicated claims team as soon as possible - you can lodge a claim online 24/7. Provide full details of the incident and you will be advised of what steps you need to take.

How to cancel Coles car insurance

To cancel your Coles car insurance policy, get in touch with their call centre on 1300 265 374. While a cancellation fee may apply, you might be entitled to a refund for premiums paid but not used.

If you're on the hunt for a better policy, you can compare policies for free on Finder and find a car insurer that works for you.

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Some final questions you might have

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6 Responses

    Default Gravatar
    YvonneNovember 26, 2019

    When can you give me a quote please?

      Default Gravatar
      NikkiNovember 26, 2019

      Hi Yvonne,

      Thanks for your comment and I hope you are doing well. It’s helpful to know that we are unable to provide a personalized quote for you. You can reach out directly to Coles. You can also review the Coles car insurance policies listed above. Simply choose type of cover is needed most, and click the green GET QUOTE button to be brought to the provider’s main page. As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    BarryMay 16, 2017

    Under Coles Comprehensive car insurance, is there a limit to how often an unlisted non household member may drive my car?

    I have been told no more than twice in one week, but there is nothing about this in the PDS. What does twice a week mean? What if my daughter in law borrowed it for a weekend?

      ZubairMay 17, 2017Finder

      Hi Barry,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually coles car insurance.

      The PDS does not state anything about multiple driver limitations. You should contact Coles directly about this matter.


    Default Gravatar
    MayApril 12, 2017

    Coles Comprehensive Car Insurance Claims

    Have heard that it is difficult to lodge a claim when an accident occurs. Takes a long time for all work and claims to be resolved.

    Is this true ?


      ZubairApril 13, 2017Finder

      Hi May,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually Coles Car Insurance. is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.

      For clarification on how much time it will take to process the claim, please refer to your product disclosure statement or contact your insurer.

      All the best,

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