I am shocked at how they have become worse than before. Worst company rude staff
Have been waiting for over a month. Lots of phone calls and get no reasonable answer. Total lack of respect when communicating and dismissive.
They wanted me to give them autority to settle the claim without any scope of work.
When i asked for itemised prices and scope of work I was told it is their private business.
Policy is cheap and so is the service received.
I am moving away from this company as I no longer trust them.
Ask to speak to supervisor and was denied.
The rude man talked and talked over me and finally hang up on me.
Thank god for the ombudsman.
If I could give no stars I would
I have never ever dealt with a worst insurance company. Pathetic excuse of a company. My claim has been on going since early November. Useless.. save your self the money and hassle and DO NOT GO WITH COLES INSURANCE
The pricing is good. But the customer service is so hurd to understand.
Pricing is good. Did not understand the call taker. Been with Coles for 3 years. Asked the call taker to repeat his questions . At the end he did changes without me accepting them when he sent me my end result of my policy
The reviewer stated that an incentive was offered for this review
Paid premiums for years and wasn't covered
I called to check if I was covered for a burst water pipe repair in my ceiling cavity, which resulted in water damage to my ceiling. I was told nothing of the pipe damage repair would be covered or any damage to the air conditioning unit which it was attached to, but I could claim only the resulting damage to the ceiling. That means simply a painter for the ceiling discolouration. When I asked why I wasn't covered and was this usual practice for an insurance company not to do water pipe repair, I was told Coles is a budget insurer and other com...panies with higher premiums cover it. Well I will find another company with higher premiums if necessary, as I don't see the use in paying over $230 a month and then receive no coverage for my claim. Is it my fault for not reading the fine print? Probably, but I'm now not staying with Coles.
- Verified customer
Do Not get this insurance! They take your money but do not help you!
I am incredibly sad I left NRMA insurance and joined this lot as they had a special deal on the Fiffy Plus Club. Well they take your money and wriggle out of paying you when you put in a claim. My AC stopped working when there was a power surge on 31 December 2019. I told them I need it as I am a bad asthmatic. It is ducted-so it is in the roof cavity-so House and Contents should cover it! They said it is not covered as my policy is an event only policy-like fire or storm etc. Unbelievable!
Don’t insure with Coles
Worst home insurance company to deal with, people at the call centre are rude and do not know what they are talking about, they were very quick in sending the assessor out but it took six months and a few phone calls for them to knock my claim back because they said that hail blocking the spouting up allowing water to come inside the house was due to lack of maintenance and not storm damage.
Next door got fixed straight away.
Go with another insurance company Not Coles
Coles Insurance-Beware the nightmare
In short,I made an attempt to claim on two occasions.The first claim for theft was a nightmare having spoken to numerous people getting the incorrect information and taking over 3 months to get it all sorted.In addition,I was given less for individual items which meant I had to put money in or select a different product?
The second claim was even worse in which I found out that Coles had cancelled my policy and was unable to claim for hail damage to my house, which will now cost me thousands of dollars to repair.
Having spoken to a very rude an...
easy to set up
easy to retrieve
been with for some years
easy to add optional features not taken up initially
as good as any other insurances as I was told by friends
Deny all claims at Coles Insurnce
I remember a movie called Erin Brokovich where an Insurance Company refused to pay claims. The company manual was scrutinised in court and there was a Policy note "Deny all claims". I moved to Coles Landlord Insurance in 2018 and my first claim has been denied. The plumber was looking for a burst pipe and as he couldn't find one has made a guess as to what hs caused the water damage to my property. That guess has turned out to be wrong but Coles Insurance now refuse to review the claim quoting endless exclusions based on policy wording that on...ly an expert in hydraulic engineering could understand. Apparently I am only covered if the storm water creates an opening in the brickwork. Short of a biblical event I can't imagine that happening. This is unfair and extremely damaging to the Coles brand. Coles started with a single store in 1914 and is now a household name. Another iconic Australian company ruined by greed. They used their "brand" to lure me into a product that was not fit for purpose. Steer clear of anything "Coles".
Never deal with Coles insurance.
Increased premiums for same cover in safer area. Promised no cancellation fees and then charged with no mention in refund calculation. Rudest and least helpful staff and just hung up on me after 15 minutes explanation on phone. DO NOT INSURE WITH THIS RIP OFF COMPANY.
Cyclone in Albury?
Coles Insurance have just rejected my insurance on a new house in Albury with the statement that they aren’t taking any new business there as a Cyclone is about to hit. I have been a customer of theirs for years and hence it isn’t new business and secondly there isn’t a predicted Cyclone for this area, now or more than likely ever!
If you ever want an insurance company that takes your money and does everything to NOT assist with any claim this is the one for you, we have been waiting 6 weeks for small claim to be processed and Coles continually request information that can’t be supplied, extremely unprofessional and provide no assistance particularly for elderly people. Thank god for APIA
Stay away from Coles insurance they will show their true colour during a claim
Been with Coles insurance for many years no issues until we went to make a claim. As soon as we called them we were warned that the claim will affect future renewals. When we said ok to proceed the next thing they say is the claim will be denied before they even listen to our complaints. These call centre people are trained to discourage claim and pull every trick in the book to reject the claim. I called again to a different person and the reason given Was completely different. It is very clear you can’t get money from these people. They are happy as Larry to gobble the premium but does not care about the customers even the slightest. Iam moving all my Insurances from Coles ASAP.
Less than 1 Star is what this lot deserve. Thank God I checked Product Review.
Previously had Insurance with Coles Insurance for both my Vehicle and Home Contents but not recently so thought would give them a go again and get a quote. They will insure my car at my current residential address, though more expensive than others, but will not cover the Home Contents at my current residential address. What a joke! Thankfully I decided to look on Product Review and after reading the reviews here and the experience I had getting a quote, no chance in hell would I go with them again. Checkout the reviews here people and also get a review on them from finder.com.au before you even contemplate using Coles Insurance for any type of Insurance. Not worth a few measly flybuys points that's for sure.
I had a severe storm damage , early Nov.
After having lodged my claim, they send Maincom , to make the roof weatherproof , and worked until midnight before they finished.
Next day , late, they came over to clean up. A few days later , they send a assessor to check the damage.
The following week , Maincom came to repair the damage, old for new.
They cleaned up to perfection.
I would not hesitate recommending coles for a job well done.
Thanks to all of you.
Coles Insurance No More!
My family has been with Coles Insurance for many years, both car and home. In the beginning, when they first entered the market. They were great! But something have changed. My home and contents insurance is about to expire, rang them and re-adjusted some excess value in order to reduce the premium and then got told they will not insure us? No explaination. Something about high risk? What risk? I asked to speak to this risk team and was told they will never answer the call so dont bother. Everyone, take your business else where.
Wont be renewing this year!
Received new contents insurance quote.
It has risen substantially since last year, rang to negotiate a better deal.
Basically was told to get rid of accidental damage & motor burnout inclusions so my premium was lower, it still came back as higher then last year.
Was then told to increase my excess to lower the cost.
None of these worked & even once all of these inclusions were taken out, premium was still higher!!?
So basically I was offered less for more money lol
You would think they would be a little more loyal to renewing customers who have NEVER made a claim!
Obviously I wont be renewing!
Won't renew contents insurance. Just Rude
I've been with coles contents insurance for 6 years. I've had no claims.
Today i get an email stating Coles isn't going to renew my policy. I gave coles insurance a call to ask why my insurance isn't getting renewed at first the operator couldn't give me an answer why. The operator looked a bit deeper into why. She thinks it is because of the bush fires and the zone.
I live no where near the bush fires and there is no risk of a bush fire reaching me at all.
Coles was cheap to start of with but there are better cheaper options out there now. When i sort out my contents i will be also moving my car insurance from coles also.
Buyer beware Coles is not the one to choose. It is just rude to be dropped after 6 years
- Verified customer
Proof of insurance is in the claim
I have been with Coles Home and Contents Insurance for at least a decade. I review this sort of thing annually at renewal.
I shall not be renewing this policy.
I reported a leak in our roof during heavy rain, photographed the drips and an assessor arrived.
The claim was rejected on the grounds that it would take too much trouble to properly determine.
The purpose of insurance for me is peace of mind. If an insurer does not honour its legitimate claims, there is no point in paying the considerable money.
I have never made a claim on this policy....
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Questions & Answers
how can i view my home/contents and car policies on line
I just received a policy renewal and the premium has increased by 25% while the building replacement cost went up by 10% and the contents by 3.8%. When I questioned why such a big increase and how do the maths work. I was given a common spell that Coles had re-assessed the post code risk. Really! We have loved there for 19 years and never a problem. Please explain.
Coles I.Coles Insurance
Hi John, we regularly review the premiums our customers pay to ensure they reflect the cost of protecting your house. If you’d like to understand more about how insurance prices are calculated, please visit: www.coles.com.au/insurance-prices-explained. If you’d like to chat further, we recommend calling us on 1300 265 374.
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