Product Disclosure Statements

Read the full policy details in our Product Disclosure Statements for our Coles Insurance policies.
Once you’ve selected a policy, it’s easy to get a fast, no-obligation, free quote.

 

 

 

Coles Car Insurance

Download the Coles Car Insurance PDS - April 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/04/2021.

Download the Coles Car Insurance PDS - October 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/10/2021.

Download the Coles Car Insurance Premium, Excess and Discounts (PED) Guide April 2021

Download the Coles Car Insurance Premium, Excess and Discounts (PED) Guide October 2021

Download the Coles Car Insurance Target Market Determination (TMD) document - October 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/10/2021.

Download the previous Coles Car Insurance PDS - August 2020

Applies to all policies issued with a commencement date on or after 14/08/2020 or with a renewal effective date on or after 29/09/2020.

Download the previous Coles Car Insurance PDS - December 2018

For quotes commenced and purchased on or after 13/12/2018 OR renewals invited on or after 07/01/2019

Download the Coles Comprehensive Plus Car Insurance PDS 
For quotes commenced and purchased on or after 14/08/2020 OR renewals invited on or after 29/09/2020. Not available for purchase or renewal on or after 5/04/2020

Please note that your renewal invite date is different to your cover start date

Download the previous Coles Comprehensive Plus Car Insurance PDS 
For quotes commenced and purchased on or after 13/12/2018 OR renewals invited on or after 07/01/2019

Please note that your renewal invite date is different to your cover start date

Coles Home Insurance

Download the Coles Home Insurance PDS - April 2021 
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/04/2021.

Download the Coles Home Insurance PDS - October 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/10/2021.

Download the Coles Home Insurance Premium, Excess and Discounts (PED) Guide – April 2021

Download the Coles Home Buildings Insurance Key Fact Sheet- April 2021 

Download the Coles Home Contents Insurance Key Fact Sheet - April 2021

Download the Coles Home Insurance Target Market Determination (TMD) document - October 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/10/2021.

Download the previous Coles Home Insurance PDS - June 2020

Applies to all policies issued with a commencement date on or after 12/06/2020 or with a renewal effective date on or after 7/07/2020.

Download the Coles Home Buildings Insurance Key Fact Sheet - August 2017 

Download the Coles Home Contents Insurance Key Fact Sheet - August 2017

Download the previous Coles Home Insurance PDS - December 2018
For quotes commenced and purchased on or after 13/12/2018 OR renewals invited on or after 07/01/2019.

Download the Coles Home Insurance Plus PDS 
For quotes commenced and purchased on or after 12/06/2020 OR renewals on or after 7/07/2020. Not available for purchase or renewal on or after 5/04/2020.

Please note that your renewal invite date is different to your cover start date

Download the Coles Home Insurance Plus Buildings Key Fact Sheet

Download the Coles Home Insurance Plus Contents Key Fact Sheet

Download the previous Coles Home Insurance Plus PDS
For quotes commenced and purchased on or after 13/12/2018 OR renewals invited on or after 07/01/2019.

Please note that your renewal invite date is different to your cover start date

Coles Landlord Insurance

 

Download the Coles Landlord Insurance PDS - April 2021 
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/04/2021.

Download the Coles Landlord Insurance PDS - October 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/10/2021.

Download the Coles Landlord Insurance Premium, Excess and Discounts (PED) Guide – April 2021

Download the Coles Landlord Insurance Target Market Determination (TMD) document - October 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/10/2021.

Download the previous Coles Landlord Insurance PDS - June 2020

Applies to all policies issued with a commencement date on or after 12/06/2020 or with a renewal effective date on or after 07/07/2020.

Download the previous Coles Landlord Insurance PDS - December 2018

For quotes commenced and purchased on or after 13/12/2018 OR renewals invited on or after 07/01/2019.

Coles Pet Insurance

Download the Basic Pet Insurance PDS - April 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 05/04/2021

Download the Basic Pet Insurance Target Market Determination (TMD) document - October 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/10/2021.

Download the Basic Pet Insurance PDS - November 2020
For quotes commenced and purchased on or after 25/11/2020.

Download the previous Basic Pet Insurance PDS
For quotes and policies purchased before 25/11/2020.

Download the Comprehensive Pet Insurance PDS - June 2021

For quotes and policies purchased on or after 29/6/21.

Download the Comprehensive Pet Insurance Target Market Determination (TMD) document - October 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/10/2021.

Download the Premium Pet Insurance PDS - June 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 29/06/2021

Download the Premium Pet Insurance Target Market Determination (TMD) document - October 2021
Applies to all policies issued with a commencement date or with a renewal effective date on or after 5/10/2021.

Download the Premium Pet Insurance PDS - November 2020
For quotes commenced and purchased on or after 25/11/2020.

Download the previous Premium Pet Insurance PDS
For quotes and policies purchased before 25/11/2020.

Financial Services Guide (FSG)

The Coles Insurance Financial Services Guide (FSG) is designed to help you make an informed decision about whether to use the financial services we can provide to you.

The FSG contains information about:

  • the financial services we provide;
  • how we and others are remunerated in relation to those services;
  • how complaints are dealt with;
  • how we respect your privacy; and
  • how to contact us.

If you decide to take out a Coles Insurance product, you will also receive a Product Disclosure Statement which contains important information about the product to help you make an informed decision.


 

Privacy

Coles and the insurers are committed to ensuring the privacy and security of your personal information.

Information about how Coles collects and handles information about you as our customers, visitors to our website, apps, social media and other digital services is available below:

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 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.

For details about how Insurance Australia Limited handles personal information in relation to Coles Car, Home and Landlord Insurance policies, please see:

Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791) and receives a commission for each policy sold and renewed. Any advice is of a general nature 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.

For details about how Guild handles personal information in relation to Coles Pet Insurance policies, please see:

Coles Travel Insurance products are promoted and distributed by Coles Supermarkets Australia Pty Ltd ("Coles") as an authorised representative of Cover-More Insurance Services Pty Ltd (Cover-More) for the insurer, Zurich Australian Insurance Limited (ZAIL) (the issuer of Coles Travel Insurance).

For details about how Cover-More handles personal information in relation to the Coles Travel Insurance policies, please see:

Family and Domestic Violence Support

Coles Insurance and our underwriters IAG (Car, Home and Landlord Insurance) and Guild Insurance (Pet Insurance), are committed to providing support for our customers who are experiencing family or domestic violence.

If you are affected by family or domestic violence please see the relevant links below for more information on the support available to you, including options for financial assistance.

If you feel more comfortable, you can call our contact centres.

Support Services

There are several free services and hotlines available to help those suffering from family and domestic violence. If you ever feel threatened or in danger, please call emergency services on 000.

  • 1800 RESPECT 1800 737 732-  free and confidential counselling, information and referral service for family and domestic violence support available 24/7
  • Lifeline 13 11 14 – free crisis and suicide prevention services available 24/7

 

 

General Insurance Code of Practice

Our underwriters Insurance Australia Limited (Car, Home and Landlord Insurance) and Guild Insurance (Pet Insurance), are signatories to the General Insurance Code of Practice (Code).

The Code aims to be a positive influence across all aspects of the general insurance industry including product disclosure, claims handling and investigations, complaints, relationships with people who are experiencing vulnerability and reporting obligations.

Insurers’ compliance with the Code is monitored and enforced by the Code Governance Committee which is an independent body.

For more information on the General Insurance Code of Practice and the Code Governance Committee visit the website.

Product Development and Distribution

For details on our underwriters’ Insurance Australia Limited, part of IAG (Car, Home and Landlord Insurance) and Guild Insurance (Pet Insurance) approaches to product development and distribution, please see:

Product related

Standard underwriting criteria apply. Coles Car, Home and Landlord Insurance issued by Insurance Australia Limited (ABN 11 000 016 722) (AFSL 227681) (IAL). Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative 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) is an authorised representative of Guild, and receives commission for each insurance policy sold. 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 and Target Market Determinations before deciding whether to acquire an insurance policy.

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