Coles Car Insurance: Coles is one of the largest retailers in Australia, and it offers a range of financial services through its supermarket operations, including car insurance. Backed by IAG, Australia’s biggest insurer, it has won many awards for its value. Coles gives its customers the cover they need at an affordable price. This supermarket giant offers comprehensive car insurance and third-party property.
Cole’s car insurance offers comprehensive coverage tailored to your needs, ensuring peace of mind on the road. With flexible options and competitive rates, the Australian insurer makes it easy to protect your vehicle against accidents, theft, and damage. Whether you’re commuting to work or embarking on a road trip, it provides reliable insurance solutions and exceptional customer service.
What Car Insurance policies does Coles offer?
The insurer offers different types of auto insurance, which include comprehensive and comprehensive, as well as third-party property damage, third-party fire, and third-party theft. Below is what these policies cover:
Comprehensive car insurance
Coles Comprehensive Car Insurance offers extensive coverage for your peace of mind on the road. It includes;
- Protection against accidental and malicious damage, as well as coverage for storms, fire, floods, and hail.
- If you cause damage to someone else’s car or property while using your vehicle, attached trailer, or caravan, you’re covered.
- The policy also covers emergency repairs, towing, and accommodation expenses in case of emergencies.
- If your car is stolen, Coles provides car hire at a rate of up to $75 per day for a maximum of 14 days.
- The policy covers stolen car keys, personal property (excluding mobile phones and laptops), groceries up to $200, and new-for-new car replacement within the first two years if your insured car is written off.
- If a caravan or trailer attached to your car gets stolen, you’re covered for replacement up to $1,000.
- Baby capsules and child seats are covered up to $500 if involved in an insured event or stolen from your locked car.
Third-party fire and theft insurance
Coles’ Third Party Fire and Theft Insurance offers essential protection against theft, fire, and damage to other vehicles and property.
- It includes coverage for damage caused to another person’s car or property while using your vehicle, attached trailer, or caravan, up to $20 million.
- The policy also covers damage caused by uninsured drivers up to $3,000
- Provides coverage for a stolen car, whether it is found or not.
- Additionally, towing and storage costs are covered if your car is involved in an insured event or recovered after theft.
- Fire damage to your car is also included in the policy.
- Temporary cover is available for a change of car, enabling you to update your policy with a similar replacement car without canceling or reapplying.
Third-party property damage insurance
Third-party Property Damage Insurance is the most basic optional car insurance available, focusing on covering damage your vehicle causes to other people’s property rather than your vehicle.
- It includes coverage up to $20 million for damage to another person’s car or property while using your car, attached trailer, or caravan.
- The policy also covers damage caused by uninsured drivers up to $3,000.
- Additionally, it offers temporary cover for a change of car, allowing you to update your policy with a similar replacement car without canceling or reapplying.
- If your car is in an accident or found after being stolen, your insurance provider covers the costs of towing and storage.
- It also provides coverage for any damage caused to your car by fire.
The insurer also offers optional extras with their car insurance policies. Roadside assistance is available with all plans, while the Comprehensive plan has additional options such as one free claim for windscreen or window glass damage each year, car hire after an accident for up to $75 per day for 14 days, and protection for drivers under 25 using your car.
How much does Cole Car Insurance Cost?
Coles car insurance costs vary depending on factors such as your vehicle’s make and model, driving history, and the level of coverage you choose. By providing tailored quotes based on individual circumstances, the company ensures that customers get competitive rates that suit their needs and budget. With this insurer’s car insurance, you can expect transparent pricing and flexible payment options, making it easier to find the right coverage at an affordable price.
How do I get a car insurance quote from Coles?
Choosing the right cover for your vehicle can be very tricky. That is why the insurer made the process very easy for you. You can compare the policies offered by the company by requesting a quote. Request a quote on their official website for each of the policies and choose the one that matches your needs and budget.
Visit the official website and provide the information required. Keep in mind that the car insurance quote you get will be based on the details you input on the website. Once you get a quote that matches your real-life budget, you can then go ahead and make a purchase. You can purchase the policy by contacting the customer. Check for their contact information on the official website.
FAQ
How can I file for a claim with Coles?
You can lodge and monitor the claim process at their online insurance service center. You just need to provide certain details regarding the claim you want to file.
Does Coles offer compulsory third-party insurance?
No, this insurer does not offer Greenslip CTP or compulsory third-party insurance. They only offer comprehensive car insurance and third-party property damage insurance.
What does Coles new car replacement cover entail?
The car replacement cover is in both the comprehensive and comprehensive policies. It is applied if your new car is considered a loss after 24 months with comprehensive coverage. After 36 months with comprehensive coverage from its registration, The insurance provided will replace the car with a new one of the same model and make. And also includes similar additional accessories and pays for delivery or stamp duties.
Does Coles Insurance offer any discounts?
Apart from the one-off discounts, this insurer also provides rewards for Flybuys users. When you purchase an insurance policy, you can link your Flybuys membership and enjoy double points on your grocery shopping. Keep in mind that this benefit is only for comprehensive policyholders and not people with third-party policies.