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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Coles

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 Fire and Theft, and Third Party Property Damage.
  • 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.

How does Coles Insurance compare with other car insurers?

Coles Insurance Comprehensive policy is comparable to many other popular car insurance providers. It includes everything you’d expect to find in a comprehensive policy; cover for fire, theft, accidental damage, storms and more.

Features

Product FCI Finder Score Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Finder Score
Optional
  • If your car is written off in the first 2 years or is under 40,000 km
  • Optional
    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). You’ll also collect 2 Flybuys points for every $1 you spend at Coles when you link your Flybuys (max cap, exclusions and eligible purchases apply).

    ⭐ Current offer: Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.

    Who it might be good for: Those who want great quality cover and more rewards with Flybuys.
    Finder Score
    Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    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.
    Finder Score
    Optional
  • If your car is written off in the first 2 years
  • Finder Score
  • If your car is written off or stolen in the first 2 years
  • Optional
    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.
    Finder Score
  • 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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    Finder Score for car insurance

    We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.

    Read the full Finder Score methodology

    Compare Coles Car Insurance policies

    Product FCI Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Optional
  • If your car is written off in the first 2 years or is under 40,000 km
  • Up to $1,000 - Up to 14 days
  • 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). You’ll also collect 2 Flybuys points for every $1 you spend at Coles when you link your Flybuys (max cap, exclusions and eligible purchases apply).

    ⭐ Current offer: Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.

    Who it might be good for: Those who want great quality cover and more rewards with Flybuys.
    Optional
  • Up to $1,000 - Up to 14 days
  • 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.

    ⭐ Current offer: Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.

    Who it might be good for: Those who want mid-tier coverage that protects them from fire and theft but not much else.
    Optional
  • Summary: This policy includes cover for damage you cause to other people's property.

    ⭐ Current offer: Save 15% off your first year’s premium when you take out a new Coles Car Insurance policy online. T&Cs apply.

    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
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    Deal

    Save 15% off your first year’s premium

    Verified 5 days ago
    Get 15% on Coles Car Insurance when you take out a new Coles Car Insurance policy online. T&Cs apply.

    What additional cover options are available?

    • Choice of repairer: You can choose your preferred repairer in the event your car is damaged. It may need to be from Coles Insurance's 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.

    FAQs

    Compare other products from Coles

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    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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    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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