25% online discount on new home & contents insurance
Receive 25% off combined home and contents insurance when you purchase cover online.
Compare policies to safeguard your property and possessions against fire, floods and more. Coles offers a 24/7 claims lodgement service, a lifetime guarantee on authorised building repairs and collect double flybuys points at Coles Supermarkets with a Coles Home Insurance policy.
For building, contents and combined policies, you can select from two levels of cover: Home or Home Plus. Home Plus covers slightly more events and has higher benefit limits on individual items. Here is what a home and contents Home Plus policy covers:
Feel confident knowing that your home and possessions are covered against:
Our building-only insurance covers your home against the most common types of damage such as:
Rest easy with cover against theft and damage for your most important things. Insure your high-value items inside your home for their full replacement value at no extra cost.
You can combine both building and contents insurance together to insure your property and possessions. In addition, there are a number of optional benefits for specific valuable items or portable contents cover should you wish to include this in your policy.
here are three overall policy types you can choose with Coles Home Insurance. Here's how they compare:
|Insured events||Combined Building and Contents||Building||Contents|
|Combined Building and Contents, Building cover only, Contents|
|Fire, flood, storm, lightning, earthquake|
|Theft and vandalism|
|Bursting, leaking or overflowing of water or liquid|
|Legal liability cover up to $20 million|
|Additional benefits||Combined Building and Contents||Building||Contents|
|Key and lock replacement|
|Temporary accommodation for your family and pets|
|Demolition and removal of debris|
|Trees, plants and shrubs|
|Accidental breakage of glass 2|
|Accidental breakage of glass 2|
|New for old replacement|
|Specify high value items|
|Contents in open air|
|Tools and equipment|
|Coverage when you change your address 2|
|Guest or visitor contents if stolen or damaged|
|Frozen or refrigerated grocery loss Cover in the case of unexpected interruption to your public power supply|
|Emergency grocery cover Cover if you aren't able to access your home as a result of an insured event|
|Motor burn out for your building||Optional||Optional|
|Motor burn out for appliances in your home Applicable per claim for motors under 10 years old||Optional||Optional|
|Accidental damage to your contents||Optional||Optional|
|Contents outside your home||Optional||Optional|
|Plus cover||Building and Contents Plus||Building Plus||Contents Plus|
|Household appliance cover - Building|
|Motor burn out for your building|
|Accidental damage for your building|
|Building safety net Up to a further 30% of building sum insured|
|Household appliance cover - Contents|
|Motor burn out for your contents|
|Accidental damage for your contents|
|Contents outside your home|
|Coles Insurance Benefits||Building and Contents||Building||Contents|
|Save $10 instantly at a Coles Supermarket checkout every time you redeem 2,000 flybuys points|
|Faster flybuys points at Coles Supermarkets|
|Lifetime guarantee on all building repairs we authorise and arrange|
|Change your excess to find the right price for you|
|24/7 claims lodgement service|
|Dedicated Claims Specialists|
Here are some general exclusions for Coles home insurance policies:
The excess is the amount you have to pay to contribute towards the cost of your Home claim. Increasing the excess you are willing to pay may reduce your premium. The excesses that apply to your individual policy will be shown on your schedule.
If you are claiming for both home and contents, and the excesses are a different amount, you will be required to pay the higher excess, not both excesses.
If you need to make a claim on your Coles Home Insurance policy, contact the dedicated claims team as soon as possible – you can lodge a claim online 24/7. Provide full details of the incident and you will be given a claims number and advised of the next steps.
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