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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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Chicri M.

Chicri M.South East Queensland, QLD

Give their customers the run around when claims are made.

published

I have been with Coles Insurance a number of years and I have a number of policies.
What Coles Insurance promise and what they deliver are totally different. Attention to claims? Non-existent.
My car was booked with a Coles recommended repairer only to be told the job was too big for them, they took photos and sent them on my behalf. More than two weeks later I am still waiting to hear from the assessor. I called twice only to be told the assessor is still looking into it. Not a good way to treat loyal customers.

Customer Service
Transparency
Value for Money
Timeliness
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeYes
Claimant is the policy holder Yes
Claim DateDecember 2022
Claim ApprovedYes
See all answers
2 comments
Coles Insurance
Coles I.Coles Insurance

Hi Chicri, thanks for taking the time to share your feedback with us. We're disappointed to hear you experienced a delay with your car insurance claim and we're very sorry for the poor experience. We hope you notice an improvement in the future.

Coles Insurance
Coles I.Coles Insurance

So we're able to follow this up for you with our Customer Care Team, could you please DM us your full name, claim number, contact number and time and date best suited for contact?

If I could give zero stars, I would.

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

Hi there, thanks for taking the time to share your review and we're sorry to hear this. We'll be sure to pass on your feedback to the relevant teams and we hope you can give us another chance in the future.

Rammi

RammiSydney, NSW

2ND year Price increase of $207 for nothing

published

second year of insurance they quoted an extra $207 for absolutely nothing. what a joke for a company to charge over 20% for nothing extra. When i called they could not explain why other than their rant things are changing.

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
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Sophie Reynolds

Sophie ReynoldsSouth-Eastern Region, NSW

  • 5 reviews

Avoid avoid avoid - worst insurer ever

published
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 DateJanuary 2020
Claim ApprovedNo
Car ModelSSV VE Commodore
See all answers
4 comments
Coles Insurance
Coles I.Coles Insurance
Coles Insurance
Coles I.Coles Insurance
Sophie Reynolds
Sophie Reynolds

I have no idea where I'm supposed to DM to. Doesn't matter I've submitted a complaint through the ombudsman now

sweetsunset

sweetsunsetSydney, NSW

  • 3 reviews

Renewal Price increases

published

Having held Coles Comprehensive Car insurance for several years claim free, I was curious to see the annual fee had increased by $150. Consequently I have cancelled my policy as they are not interested in maintaining their clientele only bringing in new business.

Customer Service
Transparency
Value for Money
Insurance TypeComprehensive and Third Party, Fire and Theft
Plan covers drivers under 25No
Claim MadeNo
Car ModelSubaru XV
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Is there an option to award no stars?

published

There is a total disconnect between the promotion of Coles Car Insurance services and the actual service delivery. Attention to claims? Non-existent. Half a dozen or more emails to the claims department over the last two months have been met with nothing more than automated receipts promising a response ‘within 5 business days’. Coles should have stuck to flogging groceries.

Customer Service
Transparency
Timeliness
Insurance TypeComprehensive
Plan covers drivers under 25Yes
Claim MadeYes
Claimant is the policy holder No
Claim Resolution Time3+ months
Claim DateNovember 2022
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance
Nick

NickGreater Melbourne (Metropolitan), VIC

Horrible customer service

published

Horrible customer service. Gave me a rubbish excuse for raising policy over $100 and never made a claim. Would not lower premium not even 1 cent. I have been with Coles insurance for many years and this is the first time this has happened. I have 2 other policies a vehicle and home and I will be leaving Coles once they expire.

Customer Service
Transparency
Value for Money
Timeliness
Insurance TypeThird Party, Fire and Theft
Plan covers drivers under 25Yes
Claim MadeNo
Car ModelVehicle
See all answers
3 comments
Coles Insurance
Coles I.Coles Insurance

Hi Nick, thanks for taking the time to share your feedback. We do our best to ensure our customers are offered insurance at great prices. Please send us a DM with your policy details and we'd be happy to look into this for you.

Nick
Nick
Coles Insurance
Coles I.Coles Insurance
Anastasia manias

Anastasia maniasSouth East Queensland, QLD

Absolutely terrible.

published

My cars battery died on the way to work and I needed road side assist. I called them and they told me they work with Coles insurance and that I didn’t actually have road side assist, they transferred me to Coles, I payed for a new plan and a large fee because I needed the assistance right away. They transferred me back to the road side people and they said they couldn’t find my details online and to call Coles again to sort it out. I spoke to Coles again, they said they’d transfer me through to road side and explain to them that I have payed the fee and to get help ASAP. I am still on the phone and have been on hold for the past 30mins.

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelSuzuki Swift
See all answers
2 comments
Anastasia manias
Anastasia manias
Coles Insurance
Coles I.Coles Insurance

Hi Anastasia, thanks for taking the time to share your review. We're sorry to hear about your frustrating experience. We'll be sure to share your feedback with our Customer Care Team.

Angelique K.

Angelique K.Illawarra, NSW

This company needs to be investigated

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 ModelNissan Micra K12
See all answers
3 comments
Coles Insurance
Coles I.Coles Insurance
Angelique K.
Angelique K.
Coles Insurance
Coles I.Coles Insurance

We're sorry to hear of your frustration, Angelique. We'd recommend calling our Claims Team on 1300 265 374 so that they can look into this for you straight away.

Car Insurance

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poor service

published

no I did not I found the person on the phone for Coles insurance rude and not easy to understand her she seem to lack knowledge of the new car I had purchased
I will not recommend Coles insurance to any one I know and if asked I will advise them of my experience

Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelSuzuki Baleno EW GL
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Coles screwed me over!

published

I agreed my renewal policy would be posted but coles sent it by email. It went to junk, my policy expired. I wasn't covered when I made a hail claim.

Customer Service
Transparency
Value for Money
Timeliness
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder Yes
Claim Resolution Time3+ months
Claim DateJanuary 2022
Claim ApprovedNo
Car ModelFord Ranger PX.II / PX.III
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi there, thanks for your review. We're sorry to hear of your frustrating experience with renewing your policy. We'll ensure your feedback is shared with our Specialist Team so they're made aware and to review.

The worst

published

Coles car insurance is the worst. Dont waste your time with this insurance company. I lost my car in October from an accident and Im still chasing them up now to get a pay out. No one has called me for any updates regarding the claim (which they should) and every time I call them; Im stuck on the phone on hold for 30 minutes+ and get tossed around from 1 team to another. In this case its claims- total loss-settlements and nothing still gets done at the end of the day. DISGUSTING SERVICE!

Customer Service
Transparency
Value for Money
Timeliness
Job Satisfaction
Insurance TypeThird Party, Fire and Theft
Plan covers drivers under 25Yes
Claim MadeYes
Claimant is the policy holder No
Claim Resolution Time3+ months
Claim DateOctober 2022
Claim ApprovedYes
Car ModelToyota Camry ASV70R / GSV70R Ascent Sport
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance
J W

J Wmelbourne

  • 8 reviews

Do not waste your time - they do not honour an online quote

published
Customer Service
Transparency
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance
Maria

MariaGreater Melbourne (Inner), VIC

Claim in progress

published

Lodged a claim with coles on Sunday night. Been ringing continuously since Monday to see the status of my claim to find its under investigation as Ive switched from another insurer. I asking ked why to be told that theres no fraud involved. Are you serious? Im not a criminal dont like being treated like a criminal. All I want are answers as to whether my claim is approved or not and if Im able to get a hire car. Im a shift worker currently and n night shift. Need to be able to get to and from work. Not impressed with coles. Will never recommend them.

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 DateDecember 2022
Car ModelNissan Navara D22
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Treated like a criminal over a hail damage claim

published

Absolutely disgusting do not go near this mob. My hail damage claim and my 1 at fault claim is still under investigation after 4 months. I have the actual proof of the video footage when it all occurred.
It is my first claim after 12 years and what makes it worse is after my claim they have upped my yearly insurance premium for an extra $500 a year while they still have my car locked up in a holding yard!

Customer Service
Transparency
Value for Money
Timeliness
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder Yes
Claim DateJuly 2022
Claim ApprovedNo
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Mick, thanks for taking the time to share your review. We're sorry to hear of your poor experience with your claim. To follow up on this, we recommend calling our Claims Team on 1300 265 374, as they'd be best placed to assist.

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Jimmy

JimmyGreater Melbourne (Inner), VIC

They cancelled my insurance when I called them to correct my name. Consultant very indifferent.

published

I have been with this company for a long time. Recently I bought a new car, they got name spelled wrongly I asked them to correct it, they cancelled my insurance. The experience of dealing with the claim team very indifferent. No urgency.

Customer Service
Transparency
Value for Money
Timeliness
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder Yes
Claim ApprovedYes
Car ModelNissan Qashqai J11 Ti
See all answers
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Jimmy, we appreciate your review. We're sorry to hear of your poor experience with making changes to your account. We'd like to follow up for you, could you please send us a private message with your full name and best contact number?

Fraud Insurance

published

Don't go with any IAG group of Insurance, they are looting money and never listen their customers, pathetic experiences. Denied a claim with silly reasons after 4 years of continuous payment.

2 comments
Coles Insurance
Coles I.Coles Insurance

Hi Siby, thanks for your feedback in relation to our Insurance. We're disappointed to hear you feel this way and we'll ensure to share your comments on to our Insurance Team so they're made aware.

Siby M.
Siby M.

I will publish all the details through public media soon

Almost ripped me off $1000.00. Team can't find payments on their own bank statement or record them properly.

published
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 Time3+ months
Claim ApprovedYes
See all answers
3 comments
Coles Insurance
Coles I.Coles Insurance

Hi Jess, thanks for getting in touch. We're sorry to hear of your poor experience. Are you able to send us a direct message with your policy number so we can raise this with our Customer Care team?

Jess W.
Jess W.

Hi Guys, I have received a phone call and have now done this.

Coles Insurance
Coles I.Coles Insurance

Thanks for that, Jess. We're happy to hear you've been contacted by our Customer Care team. Please feel free to direct message us at any time should you have any further queries or concerns.

Fabulous customer service

published

Fantastic value for our policy
Great customer service by representative
Easy to contact even though I called on a weekend
English speaking representative so no communication problems
Could not rate the customer service representative highly enough

Customer Service
Transparency
Value for Money
Timeliness
Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeNo
Car ModelHonda CR-V
See all answers
2 comments
Coles Insurance
Coles I.Coles Insurance

Hi Rhonda, thanks for the feedback! We're thrilled that you're happy with the customer service received from our teams and we'll be sure to share your comments on to the relevant teams so they're made aware.

Rhonda Z.
Rhonda Z.

No problem

super slow to review claim

published

On Monday I called to check on claim. Was assured flagged as urgent
On Tuesday called again. Nothing.
On Wednesday, car dropped off. Called again. Was assured its urgent
On Thursday called again. Was told I would get a call by cob. Nothing
On Friday still havent heard anything.

My car has been sitting idle at the repairer whilst they ignore their customers. Atrocious.

Insurance TypeComprehensive
Plan covers drivers under 25No
Claim MadeYes
Claimant is the policy holder Yes
Claim Resolution Time2-4 weeks
Claim ApprovedNo
1 comment
Coles Insurance
Coles I.Coles Insurance

Thank you for sharing this feedback with us and we're sorry to hear about this poor experience. If you'd like to have a member from our Customer Support Team contact you, can you please PM us with your claim number and best contact details?

Page 2 of 74
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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 2022 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 - 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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