As well as offering a wide range of cover, Coles Home and Contents Insurance policy also gives you the option to earn double flybuy points! You'll even get $10 off your weekly grocery shop for every 2,000 flybuys points you redeem.
The first thing you should know about this policy is that when you sign up to it, you'll have two versions to choose from. The first version is simply Coles Home and Contents Insurance and the second is Coles Home and Contents Insurance Plus.
While both policies cover your home for a range of natural disasters including fires, floods and storms and offer new for old replacement, the Plus version goes that little bit further. Coles Home and Contents Insurance Plus offers extra cover for your household appliances, accidental loss and damage, plus another 30% of your sum insured in case it needs to be rebuilt.
Both policies will cover contents such as cash, credit cards, cameras and camera accessories, jewellery and any trade tools you may have. Just keep in mind that you be able to insure these items for a higher amount with the Coles Home and Contents Insurance Plus policy.
When you have a Coles home and Contents insurance policy, you can collect double flybuys points when shopping at Coles. That means it'll be easier to to get that $10 off your grocery bill every time you redeem 2,000 flybuys points.
Across all this, you can rest easy in the knowledge that you'll have 24/7 access to the claims service, and you'll receive 30% off your first year's premium when you buy your policy online.
The Coles Home and Contents Insurance policy could be a great choice for Aussies looking to get the most value out of their policy through different perks.
The Coles Home and Contents Insurance policy does not provide cover for underinsurance, which could see you having to pay for a portion of any damage if you ever have to make a claim. If you want to avoid this when it comes to your home's structure, you can go with the Plus policy to get the building safety net with adds another 30% on top of the sum insured.
60 |
|
No |
|
Yes |
|
$300 |
|
true |
|
no |
|
30% Online Discount |
|
Yes |
|
Optional Extra, choose between $1,000 and $5,000 |
|
Up to 10% of sum insured |
|
Up to $20,000,000 |
|
n/a |
|
n/a |
Optional Extra |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Optional Extra, up to 10 years old |
|
No |
|
Yes |
|
Yes |
|
No |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
Yes |
|
No |
|
Up to $2,000 for plants |
|
Up to sum insured |
Up to $200 |
|
Up to $1,000 |
|
Up to $2,500 |
|
Hardware up to $1,000 per item up to $5,000 in total. Software up to $2,500 combined with CD/DVDs. |
|
Yes |
|
Yes |
|
Up to $2,000 per item, up to $5,000 in total |
|
Up to $2,000 per item, up to $5,000 in total |
|
Up to $1,000 per item, up to $5,000 in total |
|
No |
|
Up to $1,000 |
|
No |
|
Up to $1,000 |
|
Up to $1,000 per item, up to $5,000 in total |
|
No |
|
No |
Up to $5000 for funeral |
|
No |
|
Up to $500 |
|
Up to 12 months, up to 10% of sum insured |
|
Up to $500 |
|
No |
|
Up to 10% of sum insured combined with demolition cost |
|
Up to 10% of sum insured combined with debris removal cost |
|
No |
|
Up to 14 days |
|
Yes |
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.
Incredibly incompetent in handling claims and held my premium refund for 1 month when policy was cancelled.
Read full reviewIncredibly incompetent in handling claims and held my premium refund for 1 month when policy was cancelled.
This is not a real insurance company in my eyes , they happily take the fee but they don’t honour there policy, the claim and customer service department that they claim is helpful is nothing short of a nightmare with agents who say ridiculous things like offer you $1200 to settle a $15,000 flooring claim, they have no idea how to conduct insurance and should be avoided at all costs in the end I went from settlement of around 17k after forwarding my bank details that they requested and told payment would be forthcoming to receiving an email stating that my claim is denied, the assessor’s they use are clearly nit picking on anything related to the claim or not , I had one of there expert’s submit a report that was based entirely on the wrong side of the property. In the end after 4 months of back and forwards with this company and over 12 hours on the phone trying to make sense of all these agents and there inexperience and lack of knowledge they know that you will most likely not proceed with legal action as the amount would not warrant the cost ,they treat their customers with contempt and as many hundreds of former policy holders will confirm they do not pay out. I will never buy anything associated with coles and will continue to warn others about the dodgy business practices associated with this cringe worthy and pathetic company.
Read full reviewThis is not a real insurance company in my eyes , they happily take the fee but they don’t honour there policy, the claim and customer service department that they claim is helpful is nothing short of a nightmare with agents who say ridiculous things like offer you $1200 to settle a $15,000 flooring claim, they have no idea how to conduct insurance and should be avoided at all costs in the end I went from settlement of around 17k after forwarding my bank details that they requested and told payment would be forthcoming to receiving an email stating that my claim is denied, the assessor’s they use are clearly nit picking on anything related to the claim or not , I had one of there expert’s submit a report that was based entirely on the wrong side of the property. In the end after 4 months of back and forwards with this company and over 12 hours on the phone trying to make sense of all these agents and there inexperience and lack of knowledge they know that you will most likely not proceed with legal action as the amount would not warrant the cost ,they treat their customers with contempt and as many hundreds of former policy holders will confirm they do not pay out. I will never buy anything associated with coles and will continue to warn others about the dodgy business practices associated with this cringe worthy and pathetic company.
We have had 2 claims with Coles insurance and cannot fault their professionalism and service in both instances. I would recommend Coles insurance to anyone needing insurance policies.
Read full reviewWe have had 2 claims with Coles insurance and cannot fault their professionalism and service in both instances. I would recommend Coles insurance to anyone needing insurance policies.
Coles insurance is affordable and value for money. I am pleased with their service and customer support.
Read full reviewColes insurance is affordable and value for money. I am pleased with their service and customer support.
Insufficient information. First time policy holder.
Read full reviewInsufficient information. First time policy holder.