Comprehensive Car Insurance

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

Comprehensive Car Insurance

You'll be covered for:

  • 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 $50 per day for 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 & GPS 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.

  • 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 $50 per day for 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 & GPS 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.

Why not consider Comprehensive PLUS Car Insurance?

  • Choice of repairer

    It’s your car, so as long as they are licensed, it’s your choice who you’d like to repair it.

  • Car Hire

    After an accident (Unlimited days, up to $90 per day)

  • Cover for your windscreen or glass

    One free windscreen or glass repair claim per year.

    Learn more about Comprehensive PLUS

  • 3 years new-for-new replacement

    If you insured your new car with Coles Insurance from the date of purchase and you car is written off.

    Compare all Car Insurance

  • Choice of repairer

    It’s your car, so as long as they are licensed, it’s your choice who you’d like to repair it.

  • Car Hire

    After an accident (Unlimited days, up to $90 per day)

  • Cover for your windscreen or glass

    One free windscreen or glass repair claim per year.

    Learn more about Comprehensive PLUS

  • 3 years new-for-new replacement

    If you insured your new car with Coles Insurance from the date of purchase and you car is written off.

    Compare all Car Insurance

  • Roadside assistance

    24/7 assistance in the event of a breakdown or accident.

    Learn more about Roadside Assistance

  • Windscreen damage

    One excess-free claim per year.

  • Car hire after an accident

    Up to $50 per day for up to 14 days.

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

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 unlikely event of an accident, you can save money on your premium by increasing your excess.

We’ve got your car covered from bumper to bumper

Lifetime Guarantee

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

Backed by experts

Get quality protection through our partnership with Australia’s largest insurer, IAG.

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).#

Get a trolley top up

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

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.

iag logo

Terms & conditions

Offer criteria

^ 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).
 

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.