Features
Coles car insurance policies offer some really cool features to keep your wheels safe when you’re out and about, including:
- Roadside Assistance - this is available free for drivers 30 years or over, in the first year that they hold their policy. Otherwise, it’s available as an optional extra.
- A new car if yours is written off - as long as it meets the age requirements.
- Emergency cover - in an emergency, you'll be covered for towing, alternative transport and accommodation, up to a certain amount. You can also have a certain amount of emergency repairs done without assessment
- Rental car - you’re covered for the cost of a rental car after theft but if you want this cover after an accident as well, you’ll have to add it on.
- Earn Flybuys points - earn up to 1,000 extra Flybuys points per month on your Coles grocery shopping.
- Grocery discount - as a Coles insurance customer, you can take $10 off your Coles grocery bill every every time you redeem 2,000 Flybuys points.
Exclusions
But not so fast - there are also some things that are excluded from your Coles car insurance cover. These include:
- Rental car liability
- Damage to commercial signage
- Regular wear and tear from aging or use
- Accidental death for the driver
Other options that you can add to your policy in order to tailor your cover to your needs include:
- Cover for any vehicle modifications
- Windscreen cover
- Rental car after an accident
- Roadside assistance (for anyone that doesn’t qualify for the free cover mentioned above)
How much does Coles car insurance cost?
There are three main factors that will affect how much your Coles car insurance policy costs.
Premium
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.
Discounts
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.
Excess
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:
- your policy number
- details about what happened and what damage was caused
- contact details for anyone else involved
- a copy of any official reports or documents concerning the claim
