Coles car insurance vs AAMI
A side by side comparison of Coles and AAMI car insurance including expert analysis of pricing, features, complaints and reviews.
Key takeaways
- Coles showed a lower sample comprehensive quote at $1,273.62 compared to AAMI's $1,756.10.
- AAMI often provides higher benefit limits for emergency repairs and personal effects coverage.
- Coles offers optional choice of repairer and Flybuys points which AAMI does not provide.
Coles vs AAMI car insurance — compare key features
We've compared the comprehensive car insurance policies on offer from Coles car insurance and AAMI car insurance. See further below for other types of car insurance offered by these providers.
Coles Comprehensive Insurance |
AAMI Comprehensive Car Insurance |
|
|---|---|---|
| Underwriter |
Auto & General Insurance Company Limited |
AAI Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Roadside assistance |
Optional |
Optional |
| Agreed or market value |
Agreed or Market |
Agreed or Market |
| Choice of repairer |
Optional |
 |
| Legal liability |
$20,000,000 |
$20,000,000 |
| Fire and theft |
 |
|
| Storm |
|
|
| Flood | ||
| Hire car after theft |
Up to $1,500 - Up to 21 days |
Reasonable costs - Up to 21 days |
| Hire car after no fault accident |
Up to $75 per day |
Reasonable Cost |
| Hire car after at fault accident |
Optional Up to $75 per day - Up to 21 days |
Optional Up to $90 per day |
| Emergency repairs |
Up to $500 |
Up to $1,000 |
| Emergency travel and accommodation costs |
Up to $1,000 - Up to $200 per day |
Up to $1,000 |
| New car replacement |
If your car is written off in the first 2 years or is under 40,000kms |
If your car is written off or stolen in the first 2 years |
| Personal effects/property |
Up to $500 |
Up to $1,000 |
| Locks and keys replacement |
Up to $1,000 |
|
| Towing |
|
|
| Trailer cover |
Up to $1,000 |
Up to $1,000 |
| Important |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Coles vs AAMI car insurance prices compared
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How we picked theseCar insurance policies on offer
Coles offers 3 levels of car insurance cover:
- Coles Comprehensive
- Coles Third Party Fire & Theft
- Coles Third Party Property Damage
AAMI offers 2 levels of car insurance cover:
- AAMI Comprehensive
- AAMI Third Party Property Damaege
Coles and AAMI car insurance complaints information
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Coles (Auto & General Services Pty Ltd) and AAMI (AAI) have received and resolved.
| Underwriter | Complaints recieved | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| Auto & General Services Pty Ltd | 1431 | 723 | 50.56% |
| AAI | 2231 | 1370 | 61.43% |
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