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.
Compare Coles Home Insurance policies
Compare other products
We currently don't have that product, but here are others to consider:
These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
Standard
Usually these products would either have fewer benefits or higher pricing.
0+
Basic
Offering basic cover with limited features or higher pricing.
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
Keen to protect your prized possessions while you’re on the go? Portable content insurance could be for you. Learn more about what’s covered and compare your insurance options.
Compare home and contents insurance - our research shows you can save up to $1,653 by switching.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
