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Car Insurance Buying Guide

Our buying guide will explain which type of car insurance would suit you most, how much you can expect to pay for one, and which features are worth looking out for.

Reviews

1.5

1,469 reviews
5
(97)
4
(41)
3
(37)
2
(86)
1
(1,208)
  • Value for Money
    1.7 (116)
  • Customer Service
    1.6 (119)
  • Timeliness
    1.8 (53)
  • Job Satisfaction
    1.7 (35)
  • Transparency
    1.6 (96)
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TVM

TVMSydney Surrounds, NSW

  • 2 reviews

The worst. Do not insure your car with Coles Insurance

published

Coles cancelled my insurance after my credit card changed and they could not access direct debit. I accept the credit card issue was my error but the effort they made to inform me of my oversight was pathetic and NEGLEGENT. Once they made the decision to cancel my insurance they did not inform me. I was driving an uninsured car for 6 months. Thankfully I did not have an accident. I found out by fluke about the cancellation and Coles refused to re-insure me as I disclosed that a small scratch that they already had on record had developed a tiny rust patch. That has caused me a huge stress. Go elsewhere. So terrible.

Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeNo
TAK KWONG RONALD L.

TAK KWONG RONALD L.South East Queensland, QLD

It's the worst car insurance. can't acceptance.

published
Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance
John

JohnSydney Surrounds, NSW

Don't make a mistake using Coles Car Insurance

published

Submitted a refund at the "beginning" of the month so no issues of me taking advantage of days*
I've made 3 attempts for a refund by phone, at all times have been lied by their customer service team who said it's been processed but refuse to send a confirmation email. it's been almost a month since my query and I am still trying to resolve this. Seems to me Cole's trains their staff this way to lie and give customers run around to avoid refunds or give people such a hard time in hoping they give up. This is for a monthly bill btw I can't even imagine what current customers go thru if it's a full claim. Such a dirty practice!

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder Yes
Claim Resolution Time1-2 months
Claim DateMay 2020
Claim ApprovedNo
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance
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Can’t wait to never have to deal with this company again.

published
Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claim Resolution Time1-2 months
Claim DateMarch 2020
Claim ApprovedYes
Car ModelMitsubishi ASX
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Car was stolen and written off by the thieves over a month ago and no resolution

published

After 5 years with AAMI I changed to Coles Comprehensive Car insurance late last year. I have never made an insurance claim in my life. My locked car was stolen from our driveway in the middle of the night and a day later was involved in a police chase and written off. Two people have been charged and the assessor deemed the vehicle a write-off, but after numerous photos, emails and phone calls Coles (underwritten by IAG) have not paid. I have a disabled husband and three children and until I receive the payment am unable to purchase a new vehicle. The customer service and delay tactics being used are unbelievable and I am about to take this matter further. So disappointing.

Customer Service
Transparency
Value for Money
Timeliness
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeYes
Claimant is the policy holder Yes
Claim DateApril 2020
Claim ApprovedNo
Car ModelHonda Odyssey
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance
Reeviewah

ReeviewahCanberra 2600, ACT

  • 17 reviews

Cheap and nasty

published
Customer Service
Value for Money
Timeliness
Insurance TypeThird Party Property Damage
Plan covers drivers under 25No
Claim MadeNo
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance
Brian T.

Brian T.Wanniassa 2903, ACT

Very unhelpful when making a claim

published

Reported minor hail damage when sent to be assessed was informed of financial write off. To make a claim was told car had to be handed in with rego canceled then could purchase back and re register. Conflicting information given by many staff members, policy, and claim papers. Canceled claim was told insurance canceled yet I can still log in to my active account. Not happy with service at all.

Customer Service
Transparency
Value for Money
Timeliness
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelToyota Camry
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance
George

GeorgeSydney, NSW

  • 2 reviews

Shocking. Avoid at all cost

published
Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder Yes
Claim Resolution Time3+ months
Claim ApprovedYes
Car ModelHolden Captiva CG MaXX
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi George, thanks for getting in touch. We're sorry for the delay in our response. Please note, we've responded to your other review some time ago.

Ian

IanSouth East Queensland, QLD

If only I could give them zero stars

published

I wish that I never needed to write this review, unfortunately a tire bounced out of a oncoming trailer that failed to stop into the path of our vehicle damaging the front of our car and one other vehicle. Given we had Dashcam footage we though we would have no insurance problems. Went to the Police with the footage and they identified the owner of the other vehicle.

Now Coles Insurance tell us that as we don't have the Name and address of the other party we need to pay the $1200 excess, they admitted that they have not contacted the Police and the PDS states they don't need to. So now we're off the the ombudsman.

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeYes
Claimant is the policy holder Yes
Claim Resolution Time1-2 months
Claim DateMarch 2020
Claim ApprovedNo
Car ModelHyundai Santa Fe
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Ian, thanks for your review. We're sorry to hear of your disappointment and frustration with your claim thus far. We'll ensure to share your comments and concerns to our Insurance Team so they're made aware and to review.

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Home hunting

Home huntingAdelaide

  • 2 reviews

My personal experience

published
Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claim Resolution Time1-2 months
Claim DateJanuary 2020
Claim ApprovedYes
Car ModelHonda CR-V RD1
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi there, thanks for the review. We appreciate your kind feedback detailing your experiences when making your recent claims. We'll ensure your comments are shared with our Car Insurance Team so they're made aware. Thanks again!

Michael F.

Michael F.Sydney, NSW

Quick efficient service

published

Changing my card for premium payment and easy to gain deferring payment of premium. Their repair service and claim procedure was quick and efficient accompanied with advice support! They recognize your loyalty!

Customer Service
Transparency
Value for Money
Timeliness
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder Yes
Claim Resolution Time1-2 weeks
Claim DateMay 2015
Claim ApprovedYes
Car ModelMazda Tribute
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Michael, thanks for taking the time to write your review. We appreciate your thoughtful feedback and we'll be sure to pass this along to our Car Insurance Team so they're made aware. Thanks again!

steve rasher

steve rasherSydney, NSW

Disappointing repair by Coles insurance repairer ARM

published

After the 1st repair session the car was returned with a wheel missing and the get you home spare in its place. 10 days later had to go back to have the correct front wheel installed. when the car was serviced by subaru they said the steering control box had been damaged in the accident and not replaced when it was repaired, mean the car had to be returned to ARM again to have that replaced. How dangerous was it to be driving this car with a damaged steering mechanism? along with many weeks all up without the vehicle. very unsatisfactory service.

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelSubaru XV
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Steve, thanks for getting in touch. We're very sorry to hear this! We'd recommend calling our Customer Care Team on 1300 265 374 to follow this up further, as they're best placed to assist.

Celeste

CelesteCanberra

  • 2 reviews

Nothing but good service

published

When I signed up with coles insurance, I was unaware of their bad reputation. I still don't understand why they have such a bad reputation. I have had two claims through coles within the last year and a bit, one was a parking accident (entirely my fault, ran into a pole) and the other was a huge hail storm that came through. Both experiences were incredibly easy, and coles were nothing but helpful the whole time. I am certainly looking at using them again for my new car. :)

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder Yes
Claim Resolution Time<1 week
Claim DateJune 2019
Claim ApprovedYes
Car ModelHolden Barina TM (Hatchback) CD
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Celeste, thanks for getting in touch. We're so glad to hear you're a fan! We'll be sure to pass your feedback along to the relevant teams so they're aware :)

Prerna

Prerna

  • 4 reviews

Very poor service!

published
3 comments
Coles Insurance
Coles I.Coles Insurance
Prerna
Prerna
Coles Insurance
Coles I.Coles Insurance
Allie H.

Allie H.Greater Melbourne (Inner), VIC

Coles Car Insurance - borderline criminal

published

My car had to be written off - someone smashed into it.
Terrible experience dealing with this insurer. 2.5 months later - still no resolution. About 20+ phone conversations, endless repetition of the same information. I would have spent so far probably 40 hours+ trying to resolve this.
Lying, incompetent, misleading insurer. They should be stripped of any insurer license. DO NOT USE COLES CAR INSURANCE

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeYes
Claimant is the policy holder No
Claim Resolution Time3+ months
Claim DateDecember 2019
Claim ApprovedNo
Car ModelMazda 3 BN (Sedan) Maxx Sport
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Thanks for contacting us, Allie. We're disappointed to hear that you've had a poor experience with us and we'll follow this up for you if you send us a private message with further details.

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Khodr

KhodrSydney, NSW

My fault .lol. Are you serious???

published

I was turning left and your client overtaking me for the left side and hit my car on left side.
After i call them to claim about the accident .
First I was waiting for more than 45 minutes.
And I was shocked that I was to be claimed and reliable for the accident.
WTH, What a joke.
Disgraceful and disgusting.
Will see you in court.

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeThird Party Property Damage
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder No
Claim Resolution Time<1 week
Claim DateJanuary 2020
Claim ApprovedNo
Car ModelMercedes-Benz C-Class C250 d C205
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Khodr, thanks for taking the time to share your experience with us. If you'd like to follow up further, please send us a private message with further details.

Hamid B.

Hamid B.Sydney, NSW

  • 2 reviews

Claim time is working hours only

published

My first and last experience with coles. From the With bit of headaches but finally they wrapped it up and got it finalized. Except the claim time which is only on working days. It means if you have an accident on Friday night you need to wait till Monday morning and find a towing company to take your car and then they compensate

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder Yes
Claim DateJanuary 2020
Claim ApprovedYes
Car ModelAudi A5 8T
See all answers
3 comments
Coles Insurance
Coles I.Coles Insurance
Hamid B.
Hamid B.

Well I just need a clear reply and resolution. Ive returned my replacement car and haven't received a reply from coles yet.

Coles Insurance
Coles I.Coles Insurance

Thanks for getting for responding, Hamid. We'd recommend reaching out to our Claims Team on 1300 265 374 as they'd be best placed to check your policy and follow this up for you.

Carmen

CarmenSydney, NSW

  • 2 reviews

Great

published

They have been great with two accidents we had. We were not at fault , they went to lengths to help us from the time we called them to the time we got home. Best customer service when you call them .

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeYes
Claimant is the policy holder Yes
Claim Resolution Time1-2 weeks
Claim DateDecember 2018
Claim ApprovedYes
Car ModelRenault Captur J87
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Carmen, thanks for your feedback. We're happy to hear you're a fan of our services and customer service received. We'll ensure to share your comments on to our Insurance and Claims Teams so they're made aware.

Nazanin

NazaninSydney, NSW

Terrible services canceled my policy with out notice or ant notification. terrible customer service !!!!!!!

published

Terrible services canceled my policy with out notice or any notification. They don't even have text message system to let people know about cancellation of their insurance.
Terrible customer service !!!!!!!

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeNo
Car ModelToyota Corolla
See all answers
3 comments
Coles Insurance
Coles I.Coles Insurance

Hi Nazanin, thanks for contacting us and we're sorry to hear you've encountered this issue. We recommend contacting our Customer Support Team on 1300 265 374 so they can look into this for you.

Nazanin
Nazanin
Coles Insurance
Coles I.Coles Insurance

We're very disappointed to learn this, Nazanin. We'll ensure to share your feedback with our Insurance Team so they're made aware. We hope you give us another chance in future.

Xenad

XenadGreater Melbourne (Metropolitan), VIC

  • 2 reviews

Criminals

published

Coles insurance suck you in with cheap policies to begin with. Then wait for it increase it by almost 1,500. Why? Because they are now with a completely different company. My car started out on 500$ then as the years rolled on increased to the same amount as the big well known insurers. Have basically moved most of my cars from Cole's. Having overseas call centers is pathetic as they are like Robots. Stick with what you know. Sometimes it's the case of better the devil you know.

Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
1 comment
Coles Insurance
Coles I.Coles Insurance
Page 1 of 74

Questions & Answers

Ahirwan t.

Ahirwan t.asked

Coles Car Insurance

Who is backing this insurance ?Chinese,EU or uncle sam? or just plain AUSTRALIAN CBA

1 answer
Coles Insurance
Coles I.Coles Insurance

Hi Ahirwan,thanks for your query. Please be aware our insurance is backed by IAG to bring you quality Car Insurance at great prices. We hope this info helps!

Philip McDonald

Philip McDonaldasked

Coles Car Insurance

I Philip McDonald have Coles car insurance policy number COMO-3550-4065
For the last 12 months,I have driven my car 1484 kms..Policy cover period
31 May 2019 to 31 May 2020. Will I be getting a discount on my renewal
for low mileage. Can I change to the cheaper On Line price. phone no 34897934

3 answers
Coles Insurance
Coles I.Coles Insurance

Hi Philip, we're sorry for the delay. We've responded to your other query.

Philip McDonald
Philip McDonald

I did not get a phone call on 34897934 on above question regarding online.
Philip

Coles Insurance
Coles I.Coles Insurance

Hi Philip, we believe to have answered your question in your other message.

Tom W.

Tom W.asked

Coles Car Insurance

how can i get roadside assitant included on my exsisting policy

1 answer
Coles Insurance
Coles I.Coles Insurance

Hi Tom, thanks for taking the time to contact us. We're sorry for the delay in our response. We recommend logging into your account via our Insurance Service Centre by visiting https://general-insurance.coles.com.au/mycolesinsurance/login - you should be able to modify your current policy to add extras, such as roadside assistance. We hope this helps!

Get an answer from our members and Coles Insurance representatives

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