I was recently crashed into by a driver who was comprehensively insured by Coles. He admitted liability and filed a claim to have my vehicle repaired. Very unfortunately this driver died of a heart attack two weeks later. Two months later Coles contacted me and stated the claim had been rejected because the excess had not been paid. I informed them of the reason for that. They still rejected claim.
Worst claims service ever. Took over a year, a lot of time on hold and a lot of angry calls to resolve a claim where I was not at fault. I ended up having to make a complaint to the Ombudsman in order to get the claim escalated to their dispute resolution team and eventually resolved. Their standard claims team are lazy and rude. Their dispute resolution team was definitely much better to deal with, but it should never have gotten to that level.
Customer service was friendly but the process could have been easier. We had to wait for the at-fault driver to make a claim on their own insurance before we could get our car fixed. I don't understand, if the at-fault driver has insurance and decides NOT to make a claim, we can't get our car fixed!? We had to keep contacting the at-fault driver, trying desperately to convince them that they should make a claim. This is not good policy I'm afraid.
So easy to deal with. When you phone you speak to someone without waiting, staff are very helpful and explain in clear language. When residential address is changed they contact you and let you know your premium is being reduced and they refund the difference direct to you straight away. Half the price of some competitior quotes and cover the same things. That's good service.
Cheap premiums but when it comes to actually claiming they are a nightmare to deal with. Would never use again.
I've never had issues with them prior, however they are still a newer insurer so the trust levels are still growing. Their premium was very competitive and led me to switch from Comminsure to Coles!
Coles insurance is about the same as Woolworths insurance. Both offer the same benefits at the same price. I get roadside assistance too with Coles. I am rewarded by using Coles insurance with flybuys points that I redeem for money when shopping.
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.
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!
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