Comprehensive Car Insurance

When you need assistance due to an unfortunate event, we've got you covered

Save 15% when you buy online*

Comprehensive Car Insurance

  Damage to your car

For accidental and malicious damage, storm, fire, flood & hail.

  Damage to another person's car or property

If done while using your car, attached trailer or caravan.

  Emergencies

Cover for emergency repairs, towing or accommodation.

  Car hire if yours is stolen

Up to $75 per day for up to 14 days.

  A Stolen car

Whether your car is found or not.

Stolen keys replacement

A new set if yours are stolen.

  Personal property

Excludes mobile phones, laptops and electronic devices.

  Grocery replacement

Up to $200 for damaged or stolen groceries.

  2 years new-for-new car replacement

If you're insured from the first rego and your car is written off.

  Trailer or caravan replacement

Cover up to $1,000 in any one period of insurance if attached to your car when stolen.

  Child seats and baby capsules replacement

Up to $500 when covered by an insured event or stolen from your locked car.

This is a high level summary of the Comprehensive Car product. For full terms, product limits and conditions, please see the Product Disclosure Statement.

Partner Repairer Network Coverage

View repairers and locations

Choose a policy plan that works for you

Payment options to suit your budget

Choose to pay your insurance premium annually or in monthly instalments.

No exit fees

Cancel any time if your policy isn’t quite right for you, without being charged an exit fee.

Flexible excess

If you’re able to pay more in the event of an accident, you can save money on your premium by increasing your excess.

Access quality repairs and great service

Lifetime Guarantee

Feel at ease with a Lifetime Guarantee on all authorised repairs through our Partner Repairer Network.⁺

One-week Repairs

Get back to what’s important with a one-week turnaround on the majority of repairs with Comprehensive Cover.**

24/7 Claims

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

Rewards 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.^#

Get rewarded

Earn Flybuys Points for rewards and take advantage of great offers that’ll help you pocket a little more – in store and at home.^#

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). Max cap applies.^#

Get a trolley top up

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

Find out more

Frequently Asked Questions

The main difference between Comprehensive Car Insurance and Third Party Insurance policies is the level of protection they offer you after a car accident.

Coles Comprehensive Car Insurance is our highest level of coverage. It insures you against many different events and incidents and covers damage to your car, regardless of who's at fault, as well damage to other people's car or property.

Third Party policies are more limited in the events and damage you are covered for. We offer two types of Coles Third Party Car Insurance:

Third Party Property Damage Insurance covers you for damage done to another person’s car or property where you are at fault, but it doesn’t cover your own car.

Third Party, Fire and Theft Insurance covers you for damage done to another person’s car or property where you are at fault. In addition it covers your car if it's stolen or damaged by fire.

Please note that Coles doesn't offer Comprehensive Third Party (CTP)/green slip insurance. This insurance covers compensation claims against you where an accident causes injuries or death. In some states this is included in your car registration.

View other Car Insurance FAQs

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.

Terms and conditions

Offer criteria

^*Minimum premiums may apply. This online discount offer may be withdrawn at any time. Applies to new policies only. For full terms and conditions, see here.

^**Applicable to Coles Comprehensive Car Insurance Only. Assessment period 1 May 2022 to 30 April 2023. 61% of repairs completed within a week of cars going into our partner repairer.

^{^}2,000 Flybuys Points are required to redeem $10 off at the checkout in-store each time. Excludes Coles Express and Coles Online. Minimum spend is $10 after savings and discounts in one transaction at Coles Supermarkets (excluding gift cards, iTunes cards, tobacco and tobacco related purchases).

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 Comprehensive Car, Home or Landlord Insurance policies (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

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

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) and Loyalty Pacific Pty Ltd are authorised representatives of the issuer, Insurance Australia Limited (ABN 11 000 016 722) (AFSL 227681), part of Insurance Australia Group (IAG). 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.

Comprehensive Car Insurance