Coles Home Insurance review

Coles Home and Contents Insurance is great for Flybuys members and includes plenty of optional extras for those who like to tailor their cover.

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Peta Taylor

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Key takeaways

  • Save up to 30% (15% Online + Up to 15% Combined) off your first year's premium when you take out a new Combined Home & Contents Insurance policy online. T&Cs apply.
  • Tailor your policy with optional extras like flood cover or sum insured safeguard protection.
  • Paying premiums monthly and early cancellations may incur additional fees.

Pros & cons

Pros

  • Coles Home Insurance has an option to add sum insured safeguard to your policy. This isn't available with all providers.
  • Save up to 30% (15% Online + Up to 15% Combined) off your first year's premium when you take out a new Combined Home & Contents Insurance policy online. T&Cs apply.

Cons

  • It'll cost you extra to pay your premiums monthly or fortnightly. It's free to do this with many other insurers.
  • If you wish to cancel your policy early then you may have to pay a cancellation fee.
  • Flood cover is not included as standard, it's an optional extra. Other insurers, like Youi, include flood cover as standard.

Compare Coles Home Insurance policies

Finder Score Fire, Storm & Theft Damage Flood Escape of Liquid Accidental damage
9.4 Excellent
Optional
Optional
Discount: Save up to 30% (15% Online + Up to 15% Combined) off your first year's premium when you take out a new Combined Home & Contents Insurance policy online. T&Cs apply.
Our verdict: This covers what you'd expect in a home and contents policy; fire, storm and theft. There are plenty of optional extras available for those who'd like more thorough coverage.
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Coles Home Insurance logo
9.3 Excellent
Coles Contents Insurance
9.3 Excellent
Optional
Optional
Save 15% off your first year's premium when you take out a new Contents Insurance policy online. T&Cs apply.
Our verdict: This policy covers contents only. It includes some decent benefits like up to $5,000 worth of cover for jewellery and up to $2,000 for tools of trade.
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Coles Home Insurance logo
8.6 Great
Coles Home Insurance
8.6 Great
Optional
Optional
Save 15% off your first year's premium when you take out a new Home Insurance policy online. T&Cs apply.
Our verdict: This covers what you'd expect in a building only policy; fire, storm, theft and more. There are plenty of optional extras available for those who'd like more thorough coverage.
Get a quote View details
Compare product selection
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Finder Score - Home insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

What additional cover options are available?

  • Personal effects cover: This includes cover for items like jewellery, watches and electronic equipment while you're away from home.
  • Flood cover: Loss or damage caused by a flood.
  • Motor burnout: Cover for the repair or replacement of electric motors that are less than 10 years old.
  • Accidental damage: Cover for loss or damage caused by a sudden, unintended and unexpected event that is not the result of a deliberate act.
  • Commercial storage: Extension of coverage to contents stored in a commercial storage facility.
  • Sum insured safeguard: Your home insurance sum insured will be increased by up to 25% in the event you need to make a claim and your nominated sum is not enough to repair or replace your home.
  • Landlord Insurance: You can get Coles Landlord Insurance for your Home and Contents and may be eligible to add on the options of Tenant Default or Tenant Theft and Malicious Damage.

How to make a claim

Coles Insurance has 24/7 claims so you can make a claim whenever you need to. You can do this by calling Coles Insurance or via the Coles Insurance website. You'll need the following information:

  • Details of the incident like what happened and the time and date
  • Any photos of the damage
  • A police report when required
  • Evidence of ownership

Once all information has been submitted, Coles aims to make a decision within 10 working days.

Frequently asked questions

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Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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