Coles - Comprehensive Car Insurance

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Discounts and excesses

  • costs extra

  • $600 - $2,100

  • $1,200 for male drivers under 21, $900 for female drivers under 21, $600 for male drivers under 25, $300 for female drivers under 25, $400 for inexperienced drivers over 25.

  • (ACT)
    (VIC)
    (NT)
    (TAS)
    (WA)
    (SA)
    (NSW)
    (QLD)

  • 6 years

  • 10%

  • none

  • No

  • Online Discount

Service features

  • Optional Extra

  • none

  • none

Coverage summary

  • Agreed or Market

  • - within 2 years of original registration

  • Up to $500 if damaged or stolen.

  • Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

  • Up to $500

  • Reasonable towing costs. Up to $500 travel and accommodation if greater than 100 km from home (max $100 per day).

  • - Up to 14 days, max $50 per day.

  • Optional Extra - Up to 14 days, max $50 per day.

  • Yes - legal liability cover when using a substitute vehicle.

  • Up to $1,000.

  • Up to $1,000 if stolen.

  • Up to $500

  • Covered only if agreed in writing.

Discounts and excesses

  • costs extra

  • $600 - $2,100

  • $1,200 for male drivers under 21, $900 for female drivers under 21, $600 for male drivers under 25, $300 for female drivers under 25, $400 for inexperienced drivers over 25.

  • (ACT)
    (VIC)
    (NT)
    (TAS)
    (WA)
    (SA)
    (NSW)
    (QLD)

  • 6 years

  • 10%

  • none

  • No

  • Online Discount

Service features

  • Optional Extra

  • none

  • none

Coverage summary

  • Agreed or Market

  • - within 3 years of original registration

  • Up to $500 if damaged or stolen. Up to $250 for mobile phones or portable GPS.

  • Yes - $0 windscreen excess on first claim each year.

  • Up to $500

  • Reasonable towing costs. Up to $500 travel and accommodation if greater than 100 km from home (max $100 per day). Up to $250 for taxi fares.

  • - Unlimited days, max $90 per day.

  • - Unlimited days, max $90 per day.

  • Yes - legal liability cover when using a substitute vehicle.

  • Up to $1,000.

  • Up to $1,000 if stolen.

  • Up to $500

  • Covered only if agreed in writing.

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).

How is Coles car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
7.7

Based on 627
Coles car insurance reviews

8.2 7.7 7.5 6.6 7.3

Read Coles car insurance reviews by the Mozo community

Latest reviews of Coles Comprehensive Car Insurance

Coles

Coles Comprehensive Car Insurance car insurance review

Overall rating   8 / 10

Probably the best insurer

Helpful and rapid service.

Full review

Helpful and rapid service.

    Value for money   10 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Trust   8 / 10

Less

Debbie, Queensland, reviewed 2 months ago

Coles

Coles Comprehensive Car Insurance car insurance review

Overall rating   3 / 10

Very expensive

Just opted out with them couple of days ago - very expensive. After shopping around, found budget direct so have been with them for a a few days now.

Full review

Just opted out with them couple of days ago - very expensive. After shopping around, found budget direct so have been with them for a a few days now.

    Value for money   4 / 10

    Policy coverage   4 / 10

    Customer service   7 / 10

    Trust   5 / 10

Less

Allan, Queensland, reviewed 2 months ago

Coles

Coles Comprehensive Car Insurance car insurance review

Overall rating   1 / 10

Bad experience all around

If you want a cheap premium price and don't really want to claim then this is the CHEAP choice. I have been with Coles Insurance for 4 years already. My wife claimed before, it took 3 month to fix it. That is ok. This time someone hit and run. I...

Full review

If you want a cheap premium price and don't really want to claim then this is the CHEAP choice. I have been with Coles Insurance for 4 years already. My wife claimed before, it took 3 month to fix it. That is ok. This time someone hit and run. I claimed immediately, the accident happened last June, and I'm still waiting for Coles to investigate. It is already 10 months. The first time I called Coles the guy said no worries, Coles would cover you, I shouldn't worry about anything. However, I have called couple of times after that and always been told to wait. It seems no one care about your case, no one follows up with the police report. Coles doesn't want to pay for the report until they have to, then they paid at the last minute, they are not thinking about fixing your car as soon as possible. Someone even rudely hang up my phone when I asked to talk with her supervisor. It doesn't even meet the normal Australian service standard. I feel very disappointed with Coles, as a Flybuys member for more than 10 years. It is absolutely worst ever claim experience I have met. Better stay with RACQ, guys!

    Value for money   3 / 10

    Policy coverage   5 / 10

    Customer service   2 / 10

    Claims handling   1 / 10

    Trust   3 / 10

Less

Harry, Northern Territory, reviewed 7 months ago

Coles

Coles Comprehensive Car Insurance car insurance review

Overall rating   10 / 10

Good service

They are very good they try and get my policy to cover what I need for the best price and I get flyby points.

Full review

They are very good they try and get my policy to cover what I need for the best price and I get flyby points.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   9 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Joy, New South Wales, reviewed 7 months ago

Coles

Coles Comprehensive Car Insurance car insurance review

Overall rating   5 / 10

Okay

Coles car insurance is okay.

Full review

Coles car insurance is okay.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   9 / 10

    Claims handling   6 / 10

    Trust   6 / 10

Less

Anita, Victoria, reviewed 8 months ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

(*as voted by the Mozo community)

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