Name: Coles car insurance
Brand: Coles
Rating: 3.8 (702 reviews)

Coles car insurance

Comprehensive Car Insurance

Monthly premiums

Yes costs extra

Choice of repairer

Optional Extra

Choice of excess

$400 - $2,100

Agreed or market value

Agreed or Market
Available discounts

No claim discount

Online discount 15%

Online Discount
Link not supplied
Details Close

Monthly premiums available

Yes costs extra

Choice of repairer

Optional Extra

Choice of excess

$400 - $2,100

Agreed or market value

Agreed or Market

Discounts available

No claim discount|Online discount 15%|Online Discount

Quote time

5 to 7 minutes

States where offered

SA VIC NT TAS NSW ACT QLD WA

Roadside assistance

Optional Extra

Genuine parts

No

New car if written off

Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first

Windscreen cover

Yes - standard excess. Option to reduce excess for first windscreen claim each year to $40 for an additional premium.

Personal property cover

Personal effects cover in the event of a collision, theft or forced entry (up to $500)

Replacement key cover

Up to $1,000 if stolen.

Baby capsule or child seat cover

Child seat or capsule cover in the event of a collision, theft or forced entry (up to $500)

Trailer or caravan cover

Up to $1,000.

Modifications

Covered only if agreed in writing.

Emergency repairs

Up to $500

Emergency options

Reasonable towing costs. Transport to home or ip to $1,000 in accommodation ($200 per day) if transport is not available.

Rental car after theft

Yes - Up to 14 days, max $1,000 total.

Rental car after accident

Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.

Rental car liability

Yes - legal liability cover when using a substitute vehicle.

Legal liability cover

20000000

Accidental death of driver

$5,000 within 12 months of accident.

Young driver excess imposed

$800 for drivers under 21, $450 for drivers under 25, $400 for inexperienced drivers over 25.

Rideshare cover

No

Other restrictions

-

Other benefits

Flybuy members can $50 off when new policy is purchased by 30 November 2024.

Online discount

15%

Multi-policy discount

-

No claim discount

Yes

Low km discount

true

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Customer reviews

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Siobhan

Queensland - 2 months ago

0.5

The worst car insurance company on the market

An appalling company. Their customer service is particularly reprehensible and useless. I moved and tried countless times to change my address. The website has zero functionality and so I was forced to speak with their awful customer service team. They apparently seemed unable to change my address and so promised a call back when the computer would work again. After a week this never happened and as a consequence I felt very uninsured at my new address so requested to cancel. I lost 200$ in 10 days of cover somehow and was promised a refund. 2 weeks later I still haven't received the refund so I call their hopeless team who advise me that a cheque was issued to the old address!!! And when I ask that this be refunded back to my card so I can purchase a policy elsewhere I am all of the accounts team are in a meeting and can be disturbed for an hour. And to top it off, they have the soul destroying Centrelink music to listen to. Do yourself a favour and DO NOT PURCHASE FROM COLES CAR INSURANCE THEY ARE TERRIBLE!!!!!

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Peter

New South Wales - 3 months ago

Product name: Comprehensive Car Insurance

2.0

Excessive premium

Did a comparison on my 2018 vw multivan. Coles premium was 50% more than Youi current provider and roughly the same for ammi. Not worth entering the data to get a quote if they want to charge excessive premiums

Price

0.5
Features

3.5

Dan

Queensland - 3 months ago

Product name: Comprehensive Car Insurance

0.5

AVOID!!! Terrible company DO NOT DEAL WITH THEM.

AVOID!!! flush your money down the toilet you will get 100% more satisfaction then dealing with Coles Insurance. Hands down the worst insurance company I have ever had to deal with, if you ever have dealings with this insurance company I pity you, but please write down the time and the person you talk to, they guarantee your issue is dealt with but deny it to the full extent when challenged, spending thousands more then the claim to prove you wrong. a simple time and name would have sat them on their ass. they use stand over and bullying tactics, I can safely say that they have AFCA in their pockets also. AVOID this company at all costs. Off shore call centres exacerbate the issue.

Price

0.5
Features

0.5
Service

0.5
Trust

0.5

Douglas

New South Wales - 8 months ago

Product name: Comprehensive Car Insurance

1.5

Coles car Insurance not value for money any more.

I have been with Coles Insurance since Dec 2014 as they were one of a few companies who would insure my 1999 Falcon for a good value and cheap annual cost. The cost has been pretty good until Dec 2022 when the cost went up from $557 to $733. The car value remains unchanged at i$4158. I have just received my renewal for Dec 2023 at with the fee now going up to $1276.They can put whatever spin they like on it, but it comes back to price gouging. "Your premium is based on the possibility of a claim against your policy". Three years ago I had some panel damage. I rang Coles Insurance to make sure they would still insure me if I paid for the repairs, but they had to refer it to their reinsurer. Nobody ever got back to me. So once I received my renewal notice in the mail, I had it repaired at my cost ($3000) so I wouldn't have to claim insurance. I realised that amount, compared to the insured value, would have been a write-off as far as insurance companies are concerned. And now they think I want to claim against the policy? No. I just want my old, reliable car, which 3 years after the panel repairs still looks amazing. So they won't be getting any more out of me. I'll have to change from Comprehensive to 3rd Party Property, Fire & Theft. But not with Coles. Already checked it out, around $350 or so. A couple of years at that price will more than make up for the amount I would have paid Coles Vs the refund of a write off claim I would have ended up with. Coles were good 9 years ago, insuring my old car for a fair amount at a reasonable cost. But greed has become normal. Just blame it all on Covid.

Price

0.5
Features

5.0
Service

3.5
Trust

2.0

Dee

New South Wales - 8 months ago

0.5

COLES CAR INSURANCE INCREASED BY 69%!

COLES CAR INSURANCE INCREASED BY 69% WITHOUT EXPLANTION AFTER BEING A LOYAL CUSTOMER FOR OVER 8 YEARS. GOODBYE COLES! DISGUSTING PRICE GOUGING!

Price

0.5
Features

0.5
Service

0.5
Trust

0.5

John

Victoria - 9 months ago

Product name: Comprehensive Car Insurance

0.5

Comprehensive Insurance

Just received renewal notice for comprehensive car insurance. Increased from $99 monthly to $240. Rediculess with look around for better coverage

Price

0.5
Features

0.5
Service

0.5

Kamaran

Victoria - about 1 year ago

Product name: Comprehensive Car Insurance

0.5

Coles insurance took it my towbar from car

Coles insurance it's the bad insurance in Australia I had an accident few week ago it wasn't my fault someone hits my car behind my car has towbar when I went to to pick up my car they told it's done and fixed Ithey took it off the towbar without telling me and they don't pay for it even in the website they didn't mention it to put if my car has towbar or no big company they don't care about customer it's look like they stolen my towbar without telling me and I call they 5 times until they don't give me back my towbar OT pay me it's disgusting service and unprofessional I recommend no one go with Coles insurance it's very bad with custemer

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Vesna

New South Wales - about 1 year ago

5.0

Good value, easy, quick, simple.

Coles Car Insurance is economical and an easy application process. Their coverage and policies are equal or better than the 'big' players.

Price

5.0
Service

4.5
Convenience

5.0
Trust

5.0

Caroline

Victoria - about 1 year ago

Product name: Comprehensive Car Insurance

0.5

Car accident

I’ve recently had an accident and I’m thinking coles would be good after many years of insuring peoples cars only to realise they are the worst to deal with. They have many defaults such as: No communications via phone or email You call them you wait for ex amount of time only not to share any information or updates about your claim Ask many questions but you don’t get any answers back. No wonder why they are the cheapest in the market. This what happens when you pay peanuts you get monkeys for service.

Price

0.5
Features

1.5
Service

0.5
Convenience

0.5
Trust

0.5

Raye

Western Australia - about 1 year ago

4.0

Coies were the lowest priced.

They were the best priced when I took out the insurance. I have not had a claim, so cannot comment about their process.

Price

4.5
Features

4.5
Service

4.5
Trust

4.5

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Coles car insurance

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