Coles Home Insurance has an option to add sum insured safeguard to your policy. This isn't available with all providers.
If you connect your Flybuys then you can collect double Flybuys points per $1 spent for the lifetime of your policy. A maximum cap of 1,000 points per policy per month applies.
You can save 30% on your first year's premium when you buy a combined Home and Contents policy online, or 15% when you buy a Building or Contents policy online.
Cons
It'll cost you extra to pay your premiums monthly or fortnightly. It's free to do this with many other insurers.
If you wish to cancel your policy early then you may have to pay a $40 cancellation fee.
Flood cover is not included as standard, it's an optional extra. Other insurers, like Youi, include flood cover as standard.
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Finder Score - Home Insurance
We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
Personal effects cover: This includes cover for items like jewellery, watches and electronic equipment while you're away from home.
Flood cover: Loss or damage caused by a flood.
Motor burnout: Cover for the repair or replacement of electric motors that are less than 10 years old.
Accidental damage: Cover for loss or damage caused by an unexpected, accidental event.
Commercial storage: Extension of coverage to contents stored in a commercial storage facility.
Sum insured safeguard: Your home insurance sum insured will be increased by up to 25% in the event you need to make a claim and your nominated sum is not enough to repair or replace your home.
Landlord Insurance: You can get Coles Landlord Insurance for your Home and Contents and be covered for landlord benefits, like loss of rent.
How to make a claim
Coles Insurance has 24/7 claims so you can make a claim whenever you need to. You can do this by calling Coles Insurance or via the Coles Insurance website. You'll need the following information:
Details of the incident like what happened and the time and date
Any photos of the damage
A police report when required
Evidence of ownership
Once all information has been submitted, Coles aims to make a decision within 10 working days.
Coles Home Insurance complaints information
Coles Home Insurance is underwritten by Auto & General. In the last financial year, the Australian Financial Complaints Authority (AFCA) received 6 complaints about Auto & General's home and contents insurance. None of those were resolved at registration and referral.
Frequently asked questions
As of 1 September 2024, Coles Home Insurance is underwritten by Auto & General Insurance Company Limited. It used to be underwritten by Insurance Australia Limited.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio
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