Welcome to coles
Car Insurance
Save 10% online~
Home Insurance
Save up to 25% online*
Pet Insurance
Save 5% when you insure two or more pets**
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 home.1#
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 in-store 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.
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 This discount offer may be withdrawn at any time. Applies to new policies only. 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. Applies to new policies only. Full Terms and Conditions, see our Special Offers.
** Multi Pet discount is calculated on and applied to your Coles Pet Insurance premium where multiple Pets are included on one policy.
# Flybuys members with a current Coles Pet Insurance policy will collect 10 Flybuys points (equivalent to 1 standard point and 9 Bonus Points) on every dollar they spend on any product purchased from the pet range at Coles Supermarkets when they scan or enter their Flybuys card. Maximum of 1,000 Bonus Points from Coles Supermarket pet range purchases applies per policy per month. Flybuys bonus points are collected from the date your Flybuys membership is linked to your Coles Pet Insurance policy and for the term of the policy. No Bonus Points from Coles Supermarket pet range purchases will be collected for the month in which your policy terminates. Standard Flybuys Terms and Conditions apply. Flybuys bonus points are collected on transaction balance after savings and discounts have been applied and excludes Coles Express, gift cards, iTunes cards, tobacco and tobacco-related purchases. Coles Supermarkets means Coles Supermarkets and Coles Online.
Redeeming and earning Flybuys points
1 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 Car, Home and Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722 AFSL 227681) (IAL). Coles Supermarkets Australia Pty Ltd (Coles) and Loyalty Pacific Pty Ltd are authorised representatives of IAL. Pet Insurance is issued by the Issuer, Guild Insurance Limited (ABN 55 004 538 863) (Guild) and Coles Supermarkets Australia Pty Ltd (Coles) and Loyalty Pacific Pty Ltd are authorised representatives of Guild 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.
Product related
Standard underwriting criteria apply. Coles Car, Home and Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722) (AFSL 227681) (IAL). Coles Supermarkets Australia Pty Ltd (Coles) and Loyalty Pacific Pty Ltd are authorised representatives of IAL. Coles Pet Insurance is issued by Guild Insurance Limited (ABN 55 004 538 863) (AFSL 233791)(Guild). Coles Supermarkets Australia Pty Ltd (Coles) and Loyalty Pacific Pty Ltd are authorised representatives of Guild and receives a commission for each insurance 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.