Name: Coles home insurance
Brand: Coles
Rating: 3.9 (157 reviews)

Home Building Insurance
Main events covered

Fire

Theft

Storm

Flood

Optional Extra

Monthly payments cost extra

Yes

Underinsurance protection

Optional Extra - Up to 25% of building sum insured

New for old replacement

Yes
No Partner link

Underinsurance protection

Optional Extra - Up to 25% of building sum insured

New for old

Yes

Building cover

Contents cover

n/a

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Optional Extra

Lightning

Yes

Earthquake

Yes

Storm surge

No

Fusion

Optional Extra, up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $7,000 funeral expenses

Monthly payments cost extra

Yes

General contents

No

Contents while moving

No

Antiques and valuables

No

Cash

No

Cd dvd and electronic files

No

Computer software and hardware

No

Camera and accessories

No

Carpets

No

Home office contents

No

Identity theft

No

Jewellery

No

Personal medical equipment

No

Replacement of documents

No

Tools of trade

No

Lock replacement

No

Emergency storage

No

Temporary accommodation

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Temporary accommodation for pets

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.

Temporary repairs

Up to 10% of sum insured

Buildings and structural improvements

Yes

Building materials

Up to $1,000

Demolition cost

Up to 10% of sum insured combined with debris removal cost

Debris removal

Up to 10% of sum insured combined with demolition cost

Landscaping

Yes, garden borders, pathways and paved areas.

Gates and fences

Yes

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

180

Other restrictions

-

Other benefits

-

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home Contents Insurance
Main events covered

Fire

Theft

Storm

Flood

Optional Extra

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

n/a

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Optional Extra

Lightning

Yes

Earthquake

Yes

Storm surge

No

Fusion

Optional Extra, up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $7,000 funeral expenses

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Up to 20% of sum insured

Antiques and valuables

Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections

Cash

Up to $800 in total

Cd dvd and electronic files

Up to $3,000 combined with computer software

Computer software and hardware

Hardware yes, software up to $3,000 combined with CDs/DVDs

Camera and accessories

Yes

Carpets

Yes

Home office contents

Up to $12,000

Identity theft

No

Jewellery

Up to $1,000 per item or set, up to $5,000 in total

Personal medical equipment

Yes

Replacement of documents

No

Tools of trade

Up to $2,000 in total

Lock replacement

Up to $1,000

Emergency storage

Up to 10% of sum insured

Temporary accommodation

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Temporary accommodation for pets

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.

Temporary repairs

No

Buildings and structural improvements

No

Building materials

No

Demolition cost

No

Debris removal

No

Landscaping

No

Gates and fences

No

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

180

Other restrictions

-

Other benefits

-

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home Building & Contents Insurance
Main events covered

Fire

Theft

Storm

Flood

Optional Extra

Monthly payments cost extra

Yes

Underinsurance protection

Optional Extra - Up to 25% of building sum insured

New for old replacement

Yes
No Partner link

Underinsurance protection

Optional Extra - Up to 25% of building sum insured

New for old

Yes

Building cover

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Optional Extra

Lightning

Yes

Earthquake

Yes

Storm surge

No

Fusion

Optional Extra, up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

Up to $7,000 funeral expenses

Monthly payments cost extra

Yes

General contents

Yes

Contents while moving

Up to 20% of sum insured

Antiques and valuables

Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections

Cash

Up to $800 in total

Cd dvd and electronic files

Up to $3,000 combined with computer software

Computer software and hardware

Hardware yes, software up to $3,000 combined with CDs/DVDs

Camera and accessories

Yes

Carpets

Yes

Home office contents

Up to $12,000

Identity theft

No

Jewellery

Up to $1,000 per item or set, up to $5,000 in total

Personal medical equipment

Yes

Replacement of documents

No

Tools of trade

Up to $2,000 in total

Lock replacement

Up to $1,000

Emergency storage

Up to 10% of sum insured combined with debris removal and demolition costs

Temporary accommodation

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.

Temporary accommodation for pets

Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.

Temporary repairs

Up to 10% of sum insured

Buildings and structural improvements

Yes

Building materials

Up to $1,000

Demolition cost

Up to 10% of sum insured combined with debris removal cost and emergency storage

Debris removal

Up to 10% of sum insured combined with demolition cost and emergency storage

Landscaping

Yes, garden borders, pathways and paved areas.

Gates and fences

Yes

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

180

Other restrictions

-

Other benefits

-

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Customer reviews

Peter

South Australia - about 1 year ago

0.5

Manipulated a clause in my policy to avoid payment

A breach in the pipe inside my laundry wall cracked, resulting in water gushing out when the tap was turned on. As it leaked inside the wall behind the laundry cabinet, it was not noticed for some time. It resulted in mould developing in the wall. When I noticed it I contacted Coles and they had a builders assessment done and after the inspection they quoted a repair price. Soon after this they told me that I wasn't covered, as the clause in the water damage policy stated that I am not covered for a" slow leak over time, even if It went unnoticed." After countless phone calls and emails, they refused to honour my claim, even though it wasn't a slow leak over time, it was water gushing out of a crack, when the tap was turned on.

Price

3.0
Features

0.5
Service

0.5
Convenience

2.0
Trust

0.5

Tom

Western Australia - over 1 year ago

0.5

Not to be Trusted

The Coles claims are handled by IAG Insurance. I had a home burglary. At first the attention to re-secure the house was very good and the tradespeople were very helpful. Receiving payment for stolen items was like pulling teeth. It is still not settled after 14 months. They are tricky beyond belief, including by having a slow response time to each email, by separating each individual item stolen into its own case with multiple staff handling it, by accepting liability but not paying, by lying about the contract I signed, by refusing to answer questions and by asking for the same information over and over. To add insult to injury, they doubled my premium for the following year.

Price

1.0
Features

2.0
Service

1.0
Convenience

0.5
Trust

0.5

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Disclaimer

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

P

Peter

South Australia - about 1 year ago

0.5

Manipulated a clause in my policy to avoid payment

A breach in the pipe inside my laundry wall cracked, resulting in water gushing out when the tap was turned on. As it leaked inside the wall behind the laundry cabinet, it was not noticed for some time. It resulted in mould developing in the wall. When I noticed it I contacted Coles and they had a builders assessment done and after the inspection they quoted a repair price. Soon after this they told me that I wasn't covered, as the clause in the water damage policy stated that I am not covered for a" slow leak over time, even if It went unnoticed." After countless phone calls and emails, they refused to honour my claim, even though it wasn't a slow leak over time, it was water gushing out of a crack, when the tap was turned on.
- Price
  
  3.0
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  2.0
- Trust
  
  0.5
T

Tom

Western Australia - over 1 year ago

0.5

Not to be Trusted

The Coles claims are handled by IAG Insurance. I had a home burglary. At first the attention to re-secure the house was very good and the tradespeople were very helpful. Receiving payment for stolen items was like pulling teeth. It is still not settled after 14 months. They are tricky beyond belief, including by having a slow response time to each email, by separating each individual item stolen into its own case with multiple staff handling it, by accepting liability but not paying, by lying about the contract I signed, by refusing to answer questions and by asking for the same information over and over. To add insult to injury, they doubled my premium for the following year.
- Price
  
  1.0
- Features
  
  2.0
- Service
  
  1.0
- Convenience
  
  0.5
- Trust
  
  0.5

Coles home insurance

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