Protect your home and precious belongings with Coles Home Insurance.
Compare policies to safeguard your property and possessions against fire, floods and more. Coles offers a 24/7 claims service, a lifetime guarantee on repairs and extra FlyBuys points that are redeemable Coles supermarkets.
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What policies are available from Coles Home Insurance?
Coles offers four types of home insurance:
- Building insurance
- Contents insurance
- Combined building and contents insurance
- Renters insurance (which is exactly the same as contents insurance, just marketed to a different audience)
As you can see, building insurance and contents insurance are the two key ingredients in all of the above products. Here's what they cover:
Building insurance covers the structure of your home and a number of other fixed items against the following dangers:
- Malicious acts
- Animal damage
Contents Insurance / Renters Insurance
Contents insurance covers the following possessions in and around your home:
- Perishable food
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.
What does each policy cover?
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:
|Insured events||Building and Contents||Building||Contents (Renters or Owners)|
|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||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|
What isn’t covered?
Here are some general exclusions for Coles home insurance policies:
- Natural disasters occurring within 48 hours of the start date of your policy, unless you are renewing or have just purchased the property
- Earth movement not caused by an earthquake
- Actions of the sea, including storm surges, tidal waves, tsunamis and high tides
- Water seeping through or permeating walls, roofs or floors
- Water entering your home through an opening made for the purpose of alterations, additions, renovations or repairs
- Mechanical, electrical or electronic breakdown or malfunction of an item, except for motor burn out
- Power surges, other than as a direct result of an insured event
- Unlawful, malicious or deliberate acts by you or someone who lives in your home, or by someone who is a member of your family or who has entered your home or site with your consent
- Your home while it is under construction
- The incorrect siting of buildings or non-compliance with government regulations relating to buildings
- Your home if it is unoccupied for longer than 60 consecutive days unless you have informed Coles about this and they have agreed to provide cover
- Gradual deterioration, including wear and tear, rust, corrosion, depreciation, fading or deterioration from exposure to light
- Algae, mould or mildew, wet or dry rot, or rising damp
- Inherent or structural defects, faulty design or workmanship
- Pre-existing damage or any loss or damage which occurred before the start date of your policy
What excess will I have to pay?
If you choose Home Plus insurance, you may select the amount of excess you want to pay. The excess is a fixed amount for home insurance. By increasing the excess you are willing to pay, you will be able to reduce your premium. Your excess will be calculated based on the level of insurance you require and the items you wish to insure. You must pay the excess if you make a claim. 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.
How can I make a claim?
You can make a claim 24/7 by contacting Coles by phone. You will need to provide documentation from the police or proof of ownership if applicable. You must not replace or repair anything until you have discussed the claim with Coles unless it is an emergency. You may need to provide evidence of damage or allow Coles Financial Services to inspect the damage to your property before they pay out your claim. Once you have submitted your claim, Coles Financial Services will get multiple quotes for replacement or repair. You may also submit a quote from your preferred provider. Depending on the extent of damage and cost, Coles Financial Services will then arrange the replacement or repair of your building or contents or make a lump sum payment.