Coles Car Insurance review

Coles Insurance has 3 different car insurance policies on offer with generous Flybuys offers for points lovers.

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Peta Taylor

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Our verdict

Pros

  • Coles Insurance Comprehensive policy includes all you’d expect plus some unique features like grocery replacement (up to $200).
  • There are three levels of cover to choose from; Comprehensive, Third Party, Property, Fire and Theft and Third Party Property Only.
  • You can save 15% on your first year’s premium when you buy a policy online. T&Cs apply.

Cons

  • It will cost you extra to pay your premium monthly or fortnightly, rather than one annual lump sum. Other insurers let you pay monthly at no extra cost.
  • If you want to cancel your policy early, it’ll cost you $40. Other insurers don’t charge a fee for this.

Compare Coles Car Insurance policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Finder Score
9.9 Excellent
Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Up to $1,000 - Up to 14 days
    • Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.
    Summary: Coles Comprehensive Car Insurance includes the benefits you'd expect, plus features like grocery replacement (up to $200 if damaged or stolen. T&C's apply).

    Who it might be good for: Those who want great quality cover and more rewards with Flybuys.
    Get Quote More info
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    Coles logo
    Finder Score
    8.6 Great
    Coles Third Party Property, Fire and Theft Insurance
    Finder Score
    8.6 Great
    Optional
  • Up to $1,000 - Up to 14 days
    • Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.
    Summary: This policy includes cover for damage that occurs as the result of fire and theft. It also covers you for damage you cause to other people's property.

    Who it might be good for: Those who want mid-tier coverage that protects them from fire and theft but not much else.
    More info
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    Coles logo
    Finder Score
    9.4 Excellent
    Coles Third Party Property Only Insurance
    Finder Score
    9.4 Excellent
    Optional
    • Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.
    Summary: This policy includes cover for damage you cause to other people's property.

    Who it might be good for: Those who want a lower level of coverage that only protects them from the legal liability costs that arise if they damage someone else's
    More info
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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

    Read the full methodology

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    Save 15% off your first year’s premium

    Get 15% on Coles Car Insurance when you take out a new Coles Car Insurance policy online. T&Cs apply.

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    What additional cover options are available?

    • Choice of repairer: You may choose to nominate your preferred repairer, which may be a repairer from the Coles Insurance repairer network.
    • Reduced window glass excess: Pay a reduced excess for accidental damage to the front, rear or side windows. This is comparatively average, as other providers offer a no excess windscreen repair, not just a reduced excess.
    • Hire car after an at fault accident: Coles Insurance will arrange and pay the cost of a hire car for up to 14 days.
    Finder Awards badge

    Congratulations, Coles!

    Coles was a big winner in the 2025 Finder Awards.

    • Winner, Best Features Car Insurance: Comprehensive Insurance
    • Highly commended, Best Value Car Insurance: Comprehensive Insurance

    Full list of 2025 car insurance winners

    FAQs

    Sources

    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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    8 Responses

      Default Gravatar
      jimJune 13, 2025

      do you cover ctp

      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?

        Default GravatarFinder
        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

        Default GravatarFinder
        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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