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They take your money but don’t pay claims!
I signed up with coles insurance for my new car back in April 2020. Just recently I went shopping with my niece and I asked her to move the car closer as we had large items and she managed to run up the rear of another car in the carpark and they won’t pay my claim because she is under 25... I’m actually going to the ombudsman regarding this matter. Never again. I know I will stick to insurance specialists moving forward but this is so painful because I would have been insured if I had stayed with GIO.
Good value, no claims as yet, ive been with Coles insurance for over 1 year and wont be changing. No roadside, I have RAC. My updated details were done in a timely manner
- Comprehensive Car Insurance
I've recently gone through the process of claiming against my policy and found the experience to be very efficiently managed and satisfying. I've been with Coles now for about 2 years.
I'd accidently scraped the side of my car (dented 2 doors, mudguard and rim) against the front of a parked car - totally my fault and yes I left a note under their windscreen - this was at 2.30pm on Tuesday so I went straight home checked online to find out how to make a claim. I chose to fill out the online form and submitted the claim at about 3.45pm.
By 5pm ...
So easy to deal with
The employee on the phone was in Australia (Melbourne) so easy to communicate with. Was such an easy process. Very impressed and she made it an enjoyable call. Easily helped me and I was Definitely impressed
I've just recently switched to Coles car insurance and also, unfortunately, had an accident. I found Coles Insurance, friendly prompt and kept me up to date on the progress of my repair. The repairer also was friendly and helpful.
Buyer Beware - Choose another Insurer
Very quick to write my car off after a rear end collision where I was NOT at fault. Able to drive car home, then to repairer and then back home so really believe my car was repairable. It was obviously cheaper and easier for Coles Insurance to right it off but definitely NOT easier for me as I am now left quite out of pocket trying to buy a similar car to replace. Claim resulted in a very low payout figure, $2000 under any other similar car on car sales in my state - Qld. Also beware of small print in policy that allows Coles Insurance to cash ...in on your paid registration, they got 12 months out of me (for a vehicle they claim as a write off) so all up my Coles Insurance policy was far from living up to its title of ‘fully comprehensive’. Have ask for a review of my payout or an explanation to the low market value figure but have not heard back. Very disappointing !
Avoid, Avoid, Avoid - our experience has been terrible
Coles car insurance have just rejected our claim that was lodged in April 2020. Our vehicle was stolen from our driveway in the middle of the night by a group of juveniles that were apparently 'earching' in the area. I had locked the car, as I always do. The car was somehow opened, and then stolen. A day later they stole another vehicle. This resulted in a police pursuit, and they drove our vehicle in to a business, writing it off. The car was graffitied, and had drug paraphernalia all through it. I had to provide Coles with the police re...ports (kids pleaded guilty to theft, drug use, stealing property etc) and also provide them with our car key for forensic examination. They have rejected our claim, stating that we have been dishonest about the car being locked and that a key must have been left in the vehicle....neither of which are true. I have made a complaint to ACFA ombudsman and will pursue this. Coles have strung the claim out and the stress and psychological damage of this process to both my daughter (who is in Year 12 and trying to study for trials) and I has been immense. Do not put yourself through this.
300% increase in premium due to change in address!!!!
I called Coles to advise my change in address which is only 20kms difference to the previous one. I was advised my premium increase from $251.00 to $651.00!!!! I said there must be a mistake but the call centre person insisted this was the premium!!!
Updating additional services to my existing policy
I checked my policy as i had a friend that had a stone crack his windscreen and wanted to make sure i had this on my policy. I checked and found that i did not. I called the Coles phone number and spoke to a very nice lady who helped add this to my policy as well i also added the road side assist as my car is now 5 years old so anytime going forward i may need this service as well. She was great to talk to and for both to be added to my policy it only cost additional $83.59. I also have my home and contents with Coles and have found they are very reasonable with their prices. I would thoroughly recommend Coles. Outstanding Service
Please read my post before making a mistake. It may save you a new car or a holiday.
I would steer clear from Coles insurance. I'm sure the people are lovely but the prices are astronomical with price increases well above your standard 2-3% CPI increase. I have a 2012 Toyota and am 31 years of age with only 1 accident in the past 5 years and was asked to pay $4200 per year and could not choose my own mechanic, having my car taken for 6 weeks with no replacement.
I am happy to say I have now made the switch and am paying $1000 per year and have all the extras Coles did not provide me with.
I take responsibility for not making the switch sooner. They draw you in with a good price for your first year and after that you may feel robbed as I did. The amount I spent on insurance, I could have purchased another car.
Coles insurance sucks
I am with Coles insurance for more than 4 years but they have no value for their customer. It’s all about money making. They sucks bad service won’t recommend to
It all went surprisingly well?!
So a guy in a Ute backed into my parked Kluger and made a massive dent in the passenger door (I’m in Brisbane). I sent my claim through online (I’ve never had to do a claim before, and thankfully we had the guy’s name, address, photo of licence) and was told to make a booking at the repairer for an assessment which I did for the following week. My husband and I were really worried after reading these reviews and were expecting the absolute worst.
I got a call from a nice lady from Coles insurance making sure I’d booked in, which I had, so no ...problems there. I was still really worried, waiting for things to go pear shaped. I rock up at Motorserve Banyo, which is probably the nicest repair workshop I’ve ever seen. The girls on the desk are super helpful. I’m expecting an assessment and to be sent home to wait for Coles to approve the claim and to have to come all the way back again. I’ve barely made myself a cuppa at the coffee and tea station when the assessor comes out and tells me they’d like to keep it for a week and can I please take everything out of the car. Hang on a sec?! That’s it?? But Coles hasn’t approved anything?! I haven’t organised the rental car side of things to get home today?! Oh we have, your rental car is over there waiting for you. Ummmmmm okaaaaaay. Back I go, into the office, where the lovely lady from Thrifty sets me up with a new Nissan Xtrail. Here I was thinking they’d throw me and my two kid’s car seats into an old bubble of some sort. Nope. We like to give you a car that is similar to the one you are having repaired she tells me. No complaints there. I pay my $100 rental deposit and off I go. I get daily texts from the Repairer letting me know which stage they’re up to and if they’re on track. I end up getting my car back two days early and it’s looking impeccable. At one point I said to the Motorserve Repair girls, I’ve read so many bad reviews about Coles Insurance that I keep waiting for something to go wrong. They gave me this “we get that all the time” look and had a laugh.
No Service at ALL. Don't Bother
I have sent many emails to these people regarding my existing claim and received nothing. they don't respond to your emails or anything. they did not advise me at any step of the way what was happening with my claim. i had to find these details myself. I didn't even know where my car was for a week. so don't bother with this company - you are better going with a more reliable company.
Coles insurance will shaft you
1. Claim in since March
2. Claim approved and agreed on
3. Coles make excuse after excuse as to why they cant pay just yet
4. Multiple complaints, multiple phone calls - nothing
5. Look at all the bad reviews, do not sign up, they will shaft you.
6. The employees knowingly work for a shafty company - sad
STAY AWAY, call center in South Africa your personal and bank details are at risk, rude staff, bad customer services
I wish I could rate it with zero star.
Stay away from Coles Insurance, very bad customer services, very expensive price, rude staff, overseas call center in South Africa which means that your personal details including bank/card details are at serious and critical risk...Australian Government should close this business, the call center is located in South Africa and all staff are Indians with rude attitude and zero customer services. It was big mistake so stay away and listen to others' customers previous experience about this low quality insurance.. Stay away ...Not recommended at all or you will be sorry...Terrible...Terrible...Terrible....Etc
Questions & Answers
I do not have a question, but I would like to get renewal notices send to Adolf Loges of 1 Dumfries Crt. Highton/Vic. 3216 In Paper form in Future. Policy number is COMO-9439-4786,also for my Wife Elisabeth Loges To the same Address.Policy Number COMO- 8360-2407
Regards Adolf Loges
Why cant you confirm that you send Renewal Notices in Paper form in future .You have our Policy numbers !
Adolf Loges at1 Dumfries Ctr. Highton/Vic 3216
My Name is Adolf Loges, Dumfries Crt. Highton/Vic. 3216
My Wife's Name Elisabeth Loges, same address Birthday 28/1/1937
I need to no if I paid my car insurance last year
Hi Peter, thanks for taking the time to get in touch and we're sorry for the delay in our response. Regretfully, we don't have access to our customers accounts via this platform and we recommend giving us a call on 1300 265 374, and our Customer Support Team will be happy to assist you further.
Why do you have the worst reviews of any insurer?
Because you pay your premium and when you need to claim and expect to be covered, Coles Insurance actively finds a way to avoid paying and walks away from you in your time of need.
But let’s hear it from Coles. Funny how all the positive reviews are from people who have never claimed. I fail to understand the logic of providing a review on an insurer unless you’ve made a claim.
Get an answer from our members and Coles Insurance representatives
|Category||Roadside Assistance Providers and Car Insurance||Roadside Assistance Providers and Car Insurance||Roadside Assistance Providers and Car Insurance|
|Other Insurance Types Offered||Home and Contents and Landlord||Home and Contents and Landlord||Home and Contents and Landlord|
|Coverage Type||Comprehensive||Third Party, Fire and Theft||Third Party Property Damage|
|Underwriter||Insurance Australia Limited||Insurance Australia Limited||Insurance Australia Limited|
|Legal Liability Cover||Included up to $20 million||Included up to $20 million||Included up to $20 million|
|Roadside Assistance||Optional Extra||Optional Extra||Optional Extra|
|Reduced or Zero Excess Windscreen Cover||Zero Excess Included||Not Offered||Not Offered|
|Choice of Repairer||Not Allowed||Not Allowed||Not Allowed|
|After Accident Care|
|Hire Car after an Incident|
Included up to $50 per day for up to 14 days
|Emergency Transport & Accommodation||Up to $100 per day or $500 in total||Not Included||Not Included|
|Towing Costs||Included||Included||Not Included|
|Hire Car after a No Fault Accident|
Included up to $50 per day for up to 14 days
|Essential / Emergency Repairs||Included up to $500||Not Included||Not Included|
|Pay As You Drive / Fixed Kilometre Discount||Not Applicable||Not Applicable||Not Applicable|
|Hire Car after Theft|
Included up to $50 per day for up to 14 days
|Lock and Key Replacement||Included up to $1,000||Not Included||Not Included|
|Transit Cover||Not Applicable||Not Applicable||Not Applicable|
|Trailer & Caravan Cover||Included up to $1,000||Not Included||Not Included|
|Child Safety Seats and Prams||Included up to $500||Not Included||Not Included|
|New-for-old Car Replacement|
Earlier than 2 years from original registration
|Personal Property Cover||Included up to $500||Not Included||Not Included|
|Uninsured Motorist Benefit||Included up to $3,000||Included up to $3,000||Included up to $3,000|
|Accidental Loss or Damage|
|Malicious Damage / Vandalism||Included||Not Included||Not Included|
|Collision||Included||Not Included||Not Included|
|Natural Events||Included||Not Included||Not Included|
|Theft or Attempted Theft||Included||Included||Not Included|
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