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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.
Both Coles and AAMI car insurance offer very similar levels of comprehensive cover. They're priced quite similarly as well, according to our research. Coles gives you Flybuys points though which could make them more appealing to some people.
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 |
 AAMI Comprehensive Car Insurance |
|
|---|---|---|
| Underwriter | Insurance Australia Limited (IAL) | AAI Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Bonuses | 10% online discount | $50 online discount |
| Roadside assistance | Optional |
Optional |
| Agreed or market value |
Agreed or Market |
Agreed or Market |
| Choice of repairer | ||
| Legal liability | $20,000,000 | Yes - $20,000,000 |
| Fire and theft | ||
| Storm | ||
| Flood | ||
| Hire car after theft |
Up to $75 per day - Up to 14 days |
Reasonable costs - Up to 21 days |
| Hire car after no fault accident |
Optional Up to $75 per day - Up to 14 days |
Optional Up to $90 per day |
| Hire car after at fault accident |
|
Limit not disclosed |
| Emergency repairs |
Up to $500 |
Up to $1,000 |
| Emergency travel and accommodation costs |
Up to $500 |
Up to $1,000 |
| New car replacement |
If your car is written off in the first 2 years |
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. |
| More info | More info |
Coles vs AAMI car insurance prices compared
As part of our 2024 Finder car insurance awards, we collected over 1,800 comprehensive quotes from 30 car insurance providers, using a range of driver profiles across different states, ages and genders.
On average, AAMI typically offers cheaper car insurance than Coles. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.
| State | NSW | QLD | SA | TAS | VIC | WA | Aus average |
|---|---|---|---|---|---|---|---|
| Coles | $1,405 | $1,199 | $1,262 | $1,250 | $1,501 | $1,105 | $1,287 |
| AAMI | $1,884 | $1,106 | $1,015 | $985 | $1,318 | $1,002 | $1,218 |
These quotes are formed based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.
About our car insurance methodology
Car insurance policies on offer
Coles offers 4 levels of car insurance cover:
- Coles Comprehensive Plus
- Coles Comprehensive
- ColesThird Party Fire & Theft
- Coles Third Party Property Damage
AAMI offers 2 levels of car insurance cover:
- AAMI Comprehensive
- AAMI Third Party Property Damaege
Customer reviews
AAMI scored 4.32/5 in Finder's Customer Satisfaction awards while Coles scored 4.19/5. Both have relatively poor scores on popular review websites though. Keep in mind though that people are more inclined to leave reviews only when they've had a negative experience.
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 (Insurance Australia Limited) and AAMI (AAI) have received and resolved.
| Underwriter | Complaints recieved | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| Insurance Australia Limited | 1413 | 760 | 53.82% |
| AAI | 2231 | 1370 | 61.43% |
Finder's verdict
You can see from our breakdown that Coles and AAMI comprehensive car insurance offer pretty similar levels of cover. According to our research, Coles is slightly more expensive on average. You should get a quote from both though. There may be differences in price based on your age, gender and the car you drive. If you shop at Coles, then they could be a better option as you'll get double Flybuys Points.
Gary Ross Hunter
Insurance and innovations editor
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