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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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Not happy Jan

Not happy JanGreater Melbourne (Metropolitan), VIC

Dont waste your time or money

published

Very poor customer service. Cant claim online, only able to make a claim over the phone Monday-Friday during business hrs. When calling out of theses hrs you are out through to a call centre in Sth Africa whos response is we will get someone to call you back within the next 47hrs.

1 comment
Coles Insurance
Coles I.Coles Insurance
Brendan Muller

Brendan MullerSouth East Queensland, QLD

Do I have to give Coles Car Insurance even one star?

published

I am making a small claim for a single vehicle accident. Under $2000. The first repairer we were sent to by Coles Car Insurance had closed down. They would not accept the quote from the second repairer they sent us to (after we had to chase them up, having not heard from them for an unacceptably long time) and now Coles Car Insurance will not accept the quote from the third repairer they sent us to. We've just been given the details for the fourth (yes, you read that correctly) repairer. Wish me luck and please guess what is top of my to-do list once I do manage to sort this all out. Have nothing to do with them. There's something seriously wrong about the way they do stuff. Hopeless.



1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Brendan, thanks for getting in touch. Could you please PM us your contact details and claim number so we're able to have our Claims Team follow this up?

nicole

nicole

  • 2 reviews
  • 1 like

dirty trick & disgusting

published

4 in 5 staff told me I can only have the hire car for 14 days, until I sent them the original terms and condition says i can have the hire car until the car repair is done.

the ceo, the management are playing dirty trick, which is discussing, will shop with woollies from now on.
the repairer they nominate is rubbish, not even have the quotation ready after having the car in their yard more than one week, miss two main areas did not repair, have to talk to the accessor. so far, the case been delayed for three weeks now, not sure how long it will take in total. hire car charging hire car fee from my account without any notification.



1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Nicole, thanks for getting in touch and we're sorry to hear of your frustrating experience. Could you please send us a PM with your claim details and contact details so we're able to have the relevant teams follow this up?

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siby

sibySouth East Queensland, QLD

World No 1 Worst insurance company

published

I am member of Coles insurance since 4 years. Last month made an accident that was first in my lifetime, I contacted coles for my claim. Now almost one month, they never replied on time. They need 24 to 48 hours for our questions to answer. Even though they will not call you back on this time,and they try to avoid you in many ways ( this case is with other team etc..) and never able to contact them directly.

2 comments
Coles Insurance
Coles I.Coles Insurance

Hi there, thanks for your review. We're sorry to hear of your frustrating experience. Could we please ask that you call our Claims Team on 1300 265 374, as they'd be best placed to look into this.

siby
siby

such a stupid company and cultureless/irresponsible people are working with you. shame on you coles.

Justin Z.

Justin Z.South East Queensland, QLD

Absolute rubbish

published

Appalling customer service. 3 days waiting for funds to hit my account even though I told them how desperate we are for we lost a written off car 2 weeks ago. No one cares, no one phones. Never again will I use Coles.

4 comments
Coles Insurance
Coles I.Coles Insurance

Hi Justin, we're sorry to hear of your poor experience. Please be assured that we've passed on your feedback to the relevant teams for review and consideration.

Justin Z.
Justin Z.

And I am still waiting for funds to hit the account! This simply is poor!

Justin Z.
Justin Z.

You would think after the phone calls & emails Coles Insurance would be doing their utmost to have the problem resolved but still not. If its not in the account tomorrow Ill be seeking advice.

Annoyed

Annoyed

  • 2 reviews
  • 5 likes

Disgraceful

published

House and contents with Coles for almost 10 years.Never ever late with payments or never had claims and then receive a letter to say they can no longer insure us.Coffs Harbour has been classed as a flood area and all of a sudden we are to high risk.We have never flooded and will never flood but not even a option to remove flood cover.So Coles will not insure people living in Coffs but were happy to do it for past 10 years.Coles are not cheap with their insurance and we will also look else where for our car insurances.This is disgusting behaviour from Coles and the person i spoke to could only say we have new Underwriters.I hope you lose a lot of customers.

1 comment
Coles Insurance
Coles I.Coles Insurance

Hi there, we're sorry to hear of your disappointment. Please be assured that we'll share your feedback with our Insurance Team for consideration.

Bandula

Bandula

  • 3 reviews

Happy with Coles Car Insurance

published

I was accident free for 6 years until a guy came behind me and knocked off rear hatch and the bumper, as he was too hasty to drive on Green light. I immediate stopped the car and anyway he was kind enough to accept that it was his fault. He gave me his driving license to note down license number name and address. i spoke to Coles, they got the history and the other drivers details. They sent details of the place where we can do the repair next day itself. The repair place had to import door (Mitsubishi Outlander 2014) it took about a month. Panel repair was done almost back to same level as it was before. Did not have to pay excess. I am happy with Coles support. Planning to activate higher car and road side assistant.

1 comment
Coles Insurance
Coles I.Coles Insurance

Hey Bandula, thanks for getting in touch. We appreciate the kind words, we'll ensure your feedback is shared with the relevant teams!

Leon

LeonGreater Melbourne (Inner), VIC

Not a very happy customer

published

Been with this company for almost 5 years.Missed the last payment but got claims rep to connect to personnel and made payment only to be told by Rep. that claim is still pending 4 days later.
Repair would be pending based on conformation of policy update.Very frustrating.

3 comments
Coles Insurance
Coles I.Coles Insurance

Hi Leon, thanks for your review. We're sorry to hear about the delay and should you require any further assistance, please call our customer care team on 1300 265 374.

Leon
Leon
Coles Insurance
Coles I.Coles Insurance

We're sorry for the frustrating experience, Leon. We recommend getting in touch with our Customer Care Team on 1300 265 374 so they can look into this for you.

Dolly

DollySouth East Queensland, QLD

  • 2 reviews

Coles "Market Value" is about half what it is actually worth.

published
1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Dolly, thanks for reaching out to us. We're sorry to hear of your poor experience with our service and we'll be sure to share your feedback with our team.

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Ron Richards

Ron RichardsPerth, WA

  • 2 reviews

Short sighted

published

They charged $83 on a $470 policy with 2 months left to change address !! Moved from Camp hill Qld to the Lawley Wa both up market suburbs. They missed out on insurance for my new house also my second car and caravan !!
Guess I’ll be missing out on bonus flyby points in 2 months !!!!

1 comment
Coles Insurance
Coles I.Coles Insurance

They’ll do anything to delay giving you a payout for your written off vehicle

published
1 comment
Coles Insurance
Coles I.Coles Insurance

Thanks for taking the time to share your review. We're disappointed to hear about the delay with your claim. We'll ensure your feedback is passed on to our Claims Team so they're aware.

Andrew T

Andrew THunter Region, NSW

Good value if you haven't had a claim before

published

Handle the claim nicely and the road assistance service is very useful. Overall is good value for the service it provided. The setback is my insurance is double after I lodge a claim.

1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Andrew, thanks for your review. :)

Niran

Niran

  • 18 reviews
  • 8 likes

Expensive quotes with higher excess fees

published

I had a coles insurance for more than 5 years and but wanted to lower the excess fees. I have been re-quoted but the premium was very high. only positive is you will get bonus Flybys points when you pay your premium. I have changed to a different provider with a better deal.

1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Niran, thanks for your feedback. We'll ensure your feedback is shared with the relevant teams for their review.

JLKSYH

JLKSYHSouth East Queensland, QLD

  • 2 reviews

Loyalty reaps nothing. Shop elsewhere

published

Loyalty mesns nothing. Don't renew, just go online and get a quote. You'll receive a 10% discount. Having been with them for 7 years and multiple cars, their system only finds your current vehicle/policy. They provude greater discounts for new customers rather than existing ones. Poor thinking

1 comment
Coles Insurance
Coles I.Coles Insurance

Hi JLKSYH, thanks for getting in touch and we're disappointed to hear this. We'll ensure your feedback is shared with the relevant teams for their review.

Look elsewhere

published

Terrible customer service. Each year they increase premiums. Went up from 83 and Want to charge me 90 when found another company for 59.95 with better conditions and lower excess. I would not recommend

1 comment
Coles Insurance
Coles I.Coles Insurance
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Car insurance

published

Coles insurance is one of the worst experience i have ever had. They fix my car with really bad quality stuff and won't fix it properly. I won't be using this service anymore

1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Gagandeep, thanks for getting in touch. We're sorry to hear this! To follow this up further, we'd recommend calling our Customer Care Team on 1300 265 374, as they're best suited to assist. We're sorry for any hassle.

Anna

AnnaSouth-Eastern Region, NSW

Best and affordable excess. ..

published

Coles has affordable excess for under 25 years old. Premium is affordable for monthly payment. If you allow online chatting on your website like NRMA would be nicer. Also, windscreen should not be limited to just one time .

1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Anna, we'll pass on your suggestion!

Anne C.

Anne C.Sydney, NSW

Very Happy with Coles Insurance

published

I can't fault Coles Insurance. Have been with them for 4 or 5yrs. Minor accident earlier this year. Other driver was at fault - minor damage was repaired promptly. Even though I wasn't covered for hire car on my policy while my car was being repaired; Coles claimed the one day hire car cost & recovered it for me.
Very happy :))

1 comment
Coles Insurance
Coles I.Coles Insurance

Hi Anne, we're glad to hear that you're happy!

IanT

IanT

  • 3 reviews

Avoid at all costs - You are effectively Ininsured

published

I had a very minor bump in a shopping centre carpark. It was so minor there was no damage to my car and the other car, which had stopped so it was not visible had a mudguard pushed in 10mm or so. The other driver simply sat there and watched without doing a thing - contrary to the first rule of the motor traffic act.
I finished up paying over $1,000. Coles Insurance just hung me out to dry and were more than negligent in their duty to their clients My final conclusion is other companies now know Coles insurance offer zero support to their clients and suggest ALL bits and pieces be fixed up - Look elsewherre because any money you save will b taken up and more

1 comment
Coles Insurance
Coles I.Coles Insurance

Make everything more stressful then it needs to be!

published

An incredibly frustrating business to interact with - I continually chase them up only to be put on hold for excessive periods at a time, treat you like you’re a second class citizen and question your integrity.
I’ve had to make a claim for damage on the date I renewed insurance - I specifically asked if I was covered when I took out the insurance and they said yes. They agreed to insure my car but now they are doing whatever they can to make this claims process difficult. No one has contacted me, they don’t care and as soon as you call they put you on hold. So incredibly frustrating and would not recommend

2 comments
Coles Insurance
Coles I.Coles Insurance
Emma A.
Emma A.

I have sent a PM

Page 3 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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