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Coles and AAMI have strong comprehensive car insurance policies. We've scoured their product disclosure statements (PDS) and picked out the details that matter. Check out the list of features to see which offers the better car insurance policy for you.
![]() Coles Comprehensive | ![]() AAMI Comprehensive | |
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About the provider | Coles is one of Australia's largest retailers and also provides car, building and landlord insurance. Its products are linked to flybuys, which means that you can earn more points when you purchase a policy. | AAMI is part of the Suncorp Network, which also provides insurance for brands such as AAMI, Suncorp, GIO, Apia, Shannons and Bingle. It provides car, home, travel, life and business insurance. |
Underwriter | Insurance Australia Limited (IAL) | AAI Limited |
State served | Australia-wide | Australia-wide |
Products available | Comprehensive, comprehensive plus, third party fire and theft, third party damage | Comprehensive and third party property damage (fire and theft optional add on) |
Damage to car | ||
Fire | ||
Storm | ||
Flood | ||
Theft or attempted theft | ||
Hire car after theft | $50/day | $1,000 |
Emergency repairs | $500 | $1,000 |
Emergency travel and accommodation costs | $500 | $1,000 |
New car replacement | ||
Personal property | $500 | $1,000 |
Grocery replacement cover | $200 | |
Locks and keys replacement | $1,000 | Optional |
Towing | ||
Trailer and caravan cover | $1,000 | $1,000 |
Roadside assistance | Optional | Optional |
No claim discount | ||
Get quote | More info |
*To help you decide which policy suits you the most, make sure to read the product disclosure statement (PDS).
Both policies contain similar general exclusions such as pre-existing damage, consequential loss as well as depreciation, wear and tear.
However, for personal property cover (e.g. items stolen from your vehicle) Coles will not pay for mobile phones, GPS, electronic devices, money, cheques, financial transaction cards or negotiable instruments. However, AAMI states that accidental loss or damage to your personal property (e.g. clothing, electronic and telecommunication devices) in your car is covered. Tools and items used in a trade or business are excluded from both policies.
Coles also does not include "hire car after a not at fault accident" cover (hire car after an accident is an optional add-on). Hire car after a not at fault incident is automatically included with AAMI's comprehensive policy.
For a thorough understanding of what's excluded, always read the product disclosure statement.
Coles is underwritten by Insurance Australia Limited (IAL) and AAMI is part of the Suncorp Network. IAL is the largest general insurance company in Australia and New Zealand and underwrites approximately $12 billion of premiums annually. The Suncorp Network consists of brands including Bingle, Suncorp, GIO, Apia and Shannons. AAMI car insurance is underwritten by AAI Limited, a joint initiative between Good Shepherd Microfinance and the Suncorp Group.
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