Welcome to coles

Car Insurance

Save 10% online~

Home Insurance

Save up to 25% online*

Pet Insurance


Service you can rely on for when things go wrong

Lifetime Guarantee

Feel at ease with a Lifetime Guarantee on all repairs we approve and arrange through our authorised repairer network+

Backed by experts

Get quality protection through our partnerships with leading insurers, IAG and Guild.

24/7 Claims

Lodge and manage a claim 24/7 through our online Insurance Service Centre.

Even more rewarding with Flybuys

Make your everyday shop even more rewarding with Flybuys when you take out any Coles Insurance policy (excluding third party) and link your Flybuys number. Earn additional points for rewards and take advantage of great offers that’ll help you pocket a little more - in store and at home1

More points for Car, Home & Landlord

Collect double Flybuys points at Coles supermarkets when you take out a Coles Car, Home or Landlord Insurance policy (excluding third party).1

More points for Pet

Earn 10x Flybuys points on pet food items at Coles Supermarkets with a Coles Pet insurance policy.#

Get a trolley top up

Enjoy $10 off your Coles Supermarket shop each time you redeem 2,000 Flybuys points at checkout.^

Become a happy customer in minutes

At Coles, we’re giving our customers something to smile about. With great cover and rewards, you’ll want to get started today.

"Prompt and reliable service. Rectified all my problems and followed up to make sure everything had been done to a quality standard."


"Claim was easy and straight forward which we didn't expect. Compares to larger insurance company. Recommended repairer also reliable, given a lifetime warranty."


Backed by experience

Brought to you by the supermarket trusted by Aussies for over 100 years and backed by IAG – Australia's largest insurer with over 160 years’ insurance experience – and Guild – 100% Australian owned and endorsed by vets.


Guild insurance 

Terms and conditions

Offer criteria

Online discount is calculated on and applied to your Coles Insurance premium before the application of any other discount. This discount offer may be withdrawn at any time. Full terms and conditions.

2,000 Flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles online. Minimum spend is $10.00 after savings and discounts in one transaction at Coles Supermarkets (excluding smoking/tobacco related product purchases and all gift cards).

* The 25% discount is made up of the 10% online discount and a 15% combined policy discount. Minimum premiums may apply. Online discount is calculated on & applied to your Coles Insurance premium before the application of any other discount. This discount offer may be withdrawn at any time. Full Terms and Conditions, see our Special Offers.

# The One Month Free offer is available to customers who purchase a new Coles Pet Insurance policy by Thursday 28 Jan 2021 (Offer Period) and keep the policy in force for at least the 21 day cooling off period. The One Month Free Offer will be applied proportionally as a discount across all first year premium payments only. Monthly payments will occur each month. Only customers that maintain their Coles Pet Insurance Policy for an entire year will receive the full benefit of the Offer. The discount is applied during the quote process once the promotional code has been entered. For full terms and conditions see coles.com.au/onemonthfreepet.

Redeeming and earning Flybuys points

Flybuys members collect 1 Flybuys point for every dollar spent at Coles Supermarkets whenever they scan their Flybuys card. Flybuys members with Coles Insurance policies collect +1 extra point on each dollar spent at Coles Supermarkets for each policy whenever they scan their Flybuys card. Maximum 1,000 extra points per policy per month. Flybuys extra points are collected from the date your Flybuys membership is linked to your Coles Insurance policy and for the term of the policy. No extra points collected on any third party car insurance policies. No Flybuys extra points will be collected for the month in which your policy terminates. Standard Flybuys Terms and Conditions apply. Flybuys extra points are collected on transaction balance after savings and discounts excluding gift cards, iTunes cards, tobacco and tobacco related purchases. Coles supermarkets means Coles Supermarkets and Coles Online only.

Product related

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Insurance Australia Limited (ABN 11 000 016 722 AFSL 227681) and Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791) and receives a commission for each policy sold and renewed. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. You should read the Product Disclosure Statement before deciding whether to acquire an insurance policy.

+Policy limitations, exclusions and conditions apply. For full terms and conditions, see the Product Disclosure Statement.