Coles Car Insurance

Thinking about Coles car insurance? Make sure you know what you're covered for before you fork over your cash.

Thanks to an effective ad campaign, Coles is one of the most popular car insurance companies in Australia. But how good are their policies? Read on to see how Coles car insurance compares to other insurance policies out there.

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What policy options do I have?

Coles Car Insurance offers four 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.
  • Comprehensive Plus. Coles most comprehensive cover has more to give you with even more protection when you need it. It offers all the same benefits as the Comprehensive policy, but also includes one excess-free windscreen claim and a taxi benefit of up to $250 per claim.
  • Third Party Fire and Theft. Protection from incidents like fire, theft and damage to other people's property with up to $20 million 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 $100 per day for emergency repairs, towing or accommodation.
  • Hire car if yours is stolen. Up to $50 per day, up to 14 days.
  • 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 $500 when covered by an insured event or stolen from your locked car.
  • 2 years new-for-new car replacement. If you're insured from first rego and your car is written off.
  • All the same benefits as Coles Comprehensive Car Insurance
  • One excess-free windscreen claim
  • Hire car after accident an accident
  • New-for-new car replacement on vehicles up to three years old
  • Taxi benefit of up to $250 per claim
  • Roadside assistance. 24/7 assistance in the event of a breakdown or accident.
  • Personal property cover, up to $250, including mobile phone and GPS devices
  • 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 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.

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 the insurer deducts from your claim settlement in order to reduce the number of small claims and keep car insurance premiums down and is payable by you. The excesses that apply to your policy will be shown on your certificate of insurance and may include the following:

  • 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 can 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:

  • No-claim discount. Safe drivers who do not make any claims can receive cheaper premiums thanks to Coles Car Insurance’s no-claim discount.
  • Buy online. Comprehensive Plus, Comprehensive and Third Party Fire and Theft policies offer a discount when you purchase cover online.
  • Protect your car. Keeping your car garaged overnight and installing anti-theft devices can lower your premiums.
  • Choose a higher excess. You will receive a reduced premium in return.
  • Drive less. The less you drive your car, the cheaper it is to cover.
  • 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.

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. Provide full details of the incident and you will be advised of what steps you need to take, such as:

  • Taking all reasonable precautions to prevent any further loss or damage
  • Gathering the details of anyone else involved in a collision
  • Reporting theft or malicious damage to the police
  • Keeping any damaged property in case the insurer needs to inspect it

Some final questions you might have

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4 Responses

  1. 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?

    • Avatarfinder Customer Care
      ZubairMay 17, 2017Staff

      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.


  2. 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 ?


    • Avatarfinder Customer Care
      ZubairApril 13, 2017Staff

      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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