Coles Home & Contents Insurance

They sound great on the phone and very polite but when it comes to your claim they refuse to help. Putting lives at risk as far as electrical issues and water damage is concerned..

Not at all happy. Insured since 2011.
Should have read all the negative reviews.
Dont risk it.
First time to claim, and rejected, excuses, excuses.
Now they say will not reinsure, unless I Fix the problem, what a joke.

Yes, the policy is good value, giving more cover for slightly less premium than our previous insurer.
Also having to make a change to credit card payment details was no trouble. Just a phone call sorted it out.

My premium increased 20% this year. I have never had a claim. I called Coles to ask why? There excuse is that there have been many claims in my area and there was nothing that they would do. There is no such thing as loyalty any more towards customers anymore.

Have multiple insurance policies with Coles Insurance for years and never made a claim until now. A tenant cracked the shower base and made a claim. Coles Insurance said due to the "workmanship" of the shower base they will not pay. I have an old house that was built a long time ago. During the sign up process Coles asked questions about my house i.e build year etc. but NEVER mentioned about workmanship. Coles Insurance is happy to take money from people and make them feel that they will be covered for old houses but it's all a LIE. If they will not pay due to the workmanship clause then they should have done a building report and proper inspection before they offered insurance. Contacting AFCA to make a complaint.

Rung to change policy insured value and realised they didn't change address when I rung, when we moved. Lady helpful but felt she thought I was lying about previously ringing for address change. otherwise no issues

A drain blocked by a tree root 3 houses down resulted in a huge water pressure build up pit was in our backyard $25,000 damage claim refused even though it states covered for blocked pipes in the fine print only if the blocked pipe is NOT a result of tree roots.

Policy price more than doubled (230% of last year) despite having no claims and having multiple policies with Coles for many years. After 5 phone calls with unhelpful staff and receiving emails with generic responses of "please call our call team", gladly cancelling our policies. Would not recommend unless you want to be stressed out and feel cheated. I don't even want to picture what it'd be like making a home insurance claim with them. Do not bother asking for a private PM, we already tried to work things out with you. You messed up.

Called several times and always answered within a minute and able to resolve on the first call. Calls were only on policy updates etc. Fortunately, haven't had to claim so unable to comment on that front.

Our policy jumped from $679 to $831 in one year, almost 25%. I called Coles and advised that we have been a loyal customer since 2012 with ZERO claims and asked if a discount could be applied as i couldn't justify a 25% increase in one year. The lady on the phone (international) advised that despite being a loyal customer and having zero claims, that there was absolutely nothing that she could do. She did not have the authority to grant a discount. She wasn't helpful. Didn't offer to discuss the matter with her own management to see if there was a work around. It almost sounded like she got joy from saying no. Really not good customer loyalty scheme.

Last years Coles House and contents bill was $1079.82. This years bill is a massive $2703.53!!! Nothing has changed except they increased the amount insured slightly which I didn't require. Did online quotes from Budget Direct $1453.34, Allianz $1059.12, Suncorp classic $1663.44, AAMI $1503.54 etc, etc. all with same features and excess etc. House is pretty basic, NO CLAIMS in over 10 years. Called Coles got some story that others had made claims and company was loosing money so my Premium had gone up as a result. I pointed out Company would loose money when all the customers left after the huge premium increases.

My renewal for house and contents arrived and the price has increased from $642.59 to $807.87 I have not made any claims and it is my second year with Coles. Customer service lady did not speak very good English and I could not understand her explanation for the increase, kept saying it was something to do with my post code which of course is the same post code as last year.? When I objected to this increase she wanted me to reduce my cover to reduce the premium. What happened to no claims bonus?

Self funded retiree, requires home insurance without frills, just basic cover, should a bushfire or truck/plane destroy the place....touch wood!
Maximise the excess to reduce the premium, and always pay annually. It's very hard to beat Coles.
Their site has a estimator to assist in valuations too. I've been with Coles for several years now, and I can sleep peacefully!

Have been with coles for 7 years my first claim ever over 40 odd years. I was not contacted at all with what was happening had to ring them each and every time. Part of the claim is still on going after six months have sent emails no reply. Best one is with annual renewal went up 3 fold how does that justify ? Ask them they’ll give every excuse under the sun. Would not recommend.

My advice and experience keep away from this company it’s not worth the stress they put you through when claims are lodged
I have been coles for a while but when claims was lodged due to hail/storm it was very stressful and staff were incompetent and the response was poor manager unhelpful

I have just received my renewal notice and was shocked by the increase in premium. There was no explanation as to what the justification for an increase of over 40% was.