Absolutely worthless policy. After Sydney’s wettest weather event on record water entered one bedroom in our home ruining the built in wardrobe and carpet. After months of back and forth the builder they sent finally decided it was a long term problem and not covered by insurance. I don’t remember living with wet carpet and a damaged wardrobe long term but that’s what they told me was the case. Do not waste your money on Coles insurance.
They were really helpful as I have never had insurance and have taken out home insurance on my daughter's house in her estate, and insurance for my contents too.
While never having to have made a claim, Coles Home & Contents insurance represented the best value when I comparison researched. Plus, there’s the additional value of FlyBuys points representing a further saving! They have a pay by month option as well, making it easier to budget across the year!
Was easy to setup and pay for, appeared to cover all we required, and price was competitive. They also gave us more Flyby points and discounts. As for claiming we have never claimed for anything so I am not able to say how good or bad they perform, other than to say I have not seen any reports either way. People should look at the fine print and see that what you want is covered.
While their premiums are very competitive, when it came time to make a claim it was a nightmare. We had flooding in the downstairs of our home which required all new flooring. We have never made a claim in over 30 years of having home insurance. Their assessor claimed that the flooding occurred due to lack of maintenance on our part and our claim was initially refused. This caused a lot of stress and as a person suffering from PTSD I did not need this. I obtained in independent building report which stated it was not due to a lack of maintenance and after 6 months from the initial claim lodgement our claim was settled. A very unpleasant experience.
They have remained consistent, my premium is really competitive, I feel confident in them and that they are trustworthy after being around for so long. I was also easily able to add a few high price pieces of jewellery I own.
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.
Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.