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Coles car insurance review

Coles car insurance is a budget-friendly option for young people, but older drivers may be able to find cheaper cover elsewhere.

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Coles

Our verdict

Pros

  • Young drivers were quoted cheaper than average policies for their age
  • Coles promises a one-week turnaround on the majority of repairs
  • Get support when you need it with a 24/7 on-shore claims team

Cons

  • Older drivers will likely be able to find more affordable cover elsewhere
  • You can't choose your own repairer, which could be inconvenient for some drivers
  • Up to $500 for personal effects are covered - many brands offer $750 or $1,000

How does Coles compare with other car insurers?

Coles offers a good range of benefits and limits at a reasonable price point in comparison to other car insurers. Plus, you can claim extra perks if you link your Flybuys.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Coles Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    Finder's summary: With Coles comprehensive car insurance, you'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. Also, get up to $200 for damaged or stolen groceries.

    Who it might be good for: Coles customers and Flybuys collectors.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • 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.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    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.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    Price comparison data from the 2024 Finder Insurance Awards found that, on average, an annual comprehensive car insurance policy from Coles costs $1,287. This comes in under the average. While they're certainly not a high-cost or premium insurer, there are plenty of providers that offer cheaper car insurance.
    Keep in mind, the best car insurance for you may be based on more than price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Coles car insurance$1,405$1,199$1,262$1,250$1,501$1,105$1,286More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Customer reviews

    Compare Coles' policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Coles Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Up to $75 per day - Up to 14 days
  • Finder’s summary: Mid-range cover and price but very good for perks. Double Flybuys points and $10 off at Coles every time you redeem 2,000 points, plus 1-week turnaround on repairs.

    ⭐ 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: Those who want a wide-ranging policy with added bonuses that allow savings on everyday bills.
    Coles Third Party Fire and Theft
    Optional
  • ⭐ 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: Drivers who want a cheaper alternative to comprehensive car insurance and want protection against theft and damage by fire.
    Coles Third Party Property Damage
    Optional
  • ⭐ 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: Drivers who could afford repairs to their own car but want cover for the cost of damages to another person’s vehicle. Plus, you can get 15% off and money off Coles.
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    What additional cover options are available?

    • Roadside assistance - 24/7 assistance in the event of a breakdown or accident
    • Windscreen or window damage - One excess-free windscreen or window glass claim per year.
    • Car hire after an accident - Up to $75 per day - Up to 14 days if your car is out of action due to an insured event
    • Under 25 cover - For any drivers under 25 years old using your car.

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    FAQs

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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.

        Best,
        Nikki

      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
        ZubairMay 17, 2017Finder

        Hi Barry,

        Thank you for your question.

        You have contacted finder.com.au, 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.

        Cheers,
        Zubair

      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 ?

      Regards
      Meiling

        AvatarFinder
        ZubairApril 13, 2017Finder

        Hi May,

        Thank you for your question.

        You have contacted finder.com.au, a comparison and information service and not actually Coles Car Insurance.

        finder.com.au 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,
        Zubair

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