Coles Insurance

After smashing into the rear of a car insured by Coles who merged into my lane and suddenly stopped, he told Coles he had not changed lanes and I had… Read more

just run into him.

Coles listened to my story and agreed it was not my fault, despite his believable story.

Coles completely paid for all damages to my car. (My car had no insurance at all)

All I can say is Coles acted with integrity making a morally decent decision. They could have denied liability and no-one would have thought it unfair.

They were always polite and respectful on the phone, advising me of the process to appeal their decision if I did not agree.

If you want insurance from a company that has morals and the phone calls are polite and easy to understand......... and they allowed me to use my own repairer.

It does not get any better than that. They catered for my every need and could not have done anything more.

After being insured with Cole’s for around 5yrs, I had to put in a claim for a burst water tap that flooded half my house. Dealing with Cole’s… Read more

insurance (auto and general insurance) was easy. They were very fast in actioning the emergency drying repairs and was all done within days. The only issue was that Cole’s organised a company called Insurebuild to organise quotes and repairs. Once everything was approved by Coles, Insurebuild tried to get me to sign a contract listing the works they said were approved by Cole’s. I refused to sign it because half the repairs that were approved by Coles were not listed on insurebuilds contract (Cole’s had sent me the scope of approved works so I knew what was supposed to be on insurebuilds scope of works). After waiting ages for them to sort it out, I gave up in the end and asked Cole’s to give me a cash payout and I organised my own local tradies. Coles organised the cash payout within days. I now have tradies all ready to start over the next couple of weeks. To sum it all up Cole’s were a breeze to deal with, but they should stop using Insurebuild as they are very unprofessional. This type if company reflects badly on Cole’s.

Absolute junk insurance. They only pay out to a very narrow group of illnesses! If your Vet can't work out what is wrong, then Coles doesn't pay. Try cancelling your policy! I'm still trying!

Disgraceful, sneaky and deceitful. Beware !!!!!!!!! – I am so devastated in the way I’ve been treated by this company. Two claims have been rejected now. I am at a huge financial loss and treated like an… Read more

idiot.

The first claim was after unprecedented rain and one room flooded as the water came back in through the sheets and the gutters overflowed. COLES said lack of maintenance. Not true. They proceeded to send a company out to try and prove my roof was in bad repair and took photos of other parts of the roof with a few rust stains. This roof an older roof that was maintained and recently had new screws and sheets replaced. Might as well not have insurance if they never pay. The second claim Coles have refused to pay tenant damage and loss of rent. I believe I did not have loss of rent on the cover so I except that and then took it out at a latter date in my policy. Lesson learnt there but the damage to property and items missing they will not pay. They said it’s not clear what went missing. There was furnishing missing and the damage was evident. I have 2 smashed windows, burnt carpet, holes in the walls ect. The kicker is Coles feel this is normal tenants neglect. ( I’ll I see a photo of their explanations) I have escalated this with Coles with no success so now I have to go to AFCA. It’s exhausting and it’s over a year! Coles takes a long time to get back to you and use many excuses why they dont. Coles are hard to talk to on the phone if your overseas even after requesting a phone number I could speak to someone.

If your looking for insurance please do not use Coles. Three dodge their responsibility to pay. What’s the point paying for insurance if tenants burn carpet and this is not insured! How is this normal living or breaking windows and punching holes in walls??? Please tell your friend and family AVOiD COLES INSURANCE!!!!!!!!