Coles car insurance

Coles's overall rating for car insurance

(as rated by the Mozo community)

7.6 / 10

based on 643 reviews

Coles is not just your neighbourhood big-box supermarket anymore. It’s now offering a range of different financial products, ranging from low rate credit cards through to a range of different insurance policies.

Its car insurance policies are underwritten by WFI Insurance Limited. Check out the details below:

Coles offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer

Yes costs extra

Not Published



Yes costs extra

Not Published



*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.


Coles car insurance policies offer some really cool features to keep your wheels safe when you’re out and about, including:


But not so fast - there are also some things that are excluded from your Coles car insurance cover. These include:

Other options that you can add to your policy in order to tailor your cover to your needs include:

How much does Coles car insurance cost?

There are three main factors that will affect how much your Coles car insurance policy costs.


Your premium is calculated by looking at things like how, when and where you drive, where you keep your car (in a garage or parked on the street) and what kind of car you drive. All these things help to determine how likely you are to make a claim - which will determine how expensive it will be to insure your car.


To help keep insurance costs low, you can cash in on a couple of great discounts from Coles insurance. The first is an online discount, for when you buy your policy online, and the other is the no claims discount.


The excess is the amount you must pay before your insurance will start to cover costs. If you choose to have a low excess, so that you’re not searching for cash in an emergency, you'll have a higher premium. On the other hand, if you opt for a lower premium your excess will be higher.

Also, keep in mind that there’s an extra excess for young drivers, or drivers who have held their licence for less than 2 years.

How do I pay my premium?

Usually, you’d pay your car insurance premium as a lump sum each time you renew your policy. With Coles insurance, you also have the option to pay monthly - which might be helpful if you’re on a tight budget - but keep in mind that this flexibility will cost extra.

How is Coles rated by customers?

Now you know some of the most important points of a Coles car insurance policy, it’s time to find out what everyday Aussies think. Take a look at our customer review section, where people with Coles car insurance have rated their experience in terms of customer service, convenience and trust. 

Making a claim

You can make a claim on your Coles car insurance by calling the 24/7 claims line. When you do, make sure you have all the relevant information on hand, including:

More helpful car insurance quick links