Comprehensive Car Insurance
*Get 10% off one Coles shop every calendar month (up to $50) for 12 months when you take out and hold a new Coles Comprehensive Car Insurance policy, join and redeem free Coles Plus Saver (excludes existing members) and link your Flybuys. Limit one membership per Flybuys account. Offer ends 31 August 2025.
Award-winning Comprehensive Car Insurance
1st place for Features and Highly Commended for Value. Out of 30 providers Finder Awards 2025 has recognised Coles Comprehensive Car Insurance as one of the best.
Coles Comprehensive Car Insurance covers you for
More reasons to choose Coles Car Insurance
Payment options (fortnightly, monthly, annually)
Payment options to suit your budget. Choose to pay your premium annually, monthly or in fortnightly instalments.
24/7 claims
We're here to help. Claims can be lodged online or over the phone, 24 hours a day, 7 days a week.
Low kilometres policy
Save more by driving less. Get a cheaper premium with our Low Kilometres Comprehensive Car Insurance policy if you drive less than 10,000 km a year.
Reduced premium for driver age restriction
Reduce your premium when you restrict your policy to drivers over a certain age.
Higher excess
Reduce your premium by increasing your Basic Excess. This means you'll need to pay more in the event of a claim.
Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details, please read the Product Disclosure Statement.
Get a quote online and save 15%^
Enjoy 15% off your first year’s premium when you purchase a new policy online.
Frequently asked questions
Terms and conditions
Offer criteria
*Coles Plus Saver offer terms and conditions
a. This is an offer for a free Coles Plus Saver membership for a period of 12 months (Offer). You are eligible to accept this offer if:
you have taken out a new Coles Comprehensive Car, Coles Home or Coles Landlord insurance policy (Insurance Policy) by 31 August 2025 (Offer Period);
you have provided a valid email address upon purchase of your Insurance Policy in order to receive the promocode; and
you do not currently have a Coles Plus Saver membership and there is no other Flybuys member within your Flybuys account that has an existing Coles Plus Saver membership.
b. If you are eligible to accept the Offer, you will receive an email providing you with a promocode within 7 days of your first payment towards your Insurance Policy. You must use the promocode when signing up for a Coles Plus Saver membership to receive the free period. The promocode must be applied within 30 days of receipt of the promocode and will otherwise expire. The promocode is not transferable.
c. This offer is only open for acceptance during the Offer Period. The Offer Period may be extended or withdrawn by Coles at its sole discretion.
d. After 12 months from the date your free Coles Plus Saver membership is activated, or in the event that your Insurance Policy is cancelled while you still hold a free Coles Plus Saver membership, your free Coles Plus Saver membership will end and you will be charged $7.00 per month for the Coles Plus Saver membership fee to your nominated card in accordance with the Coles Plus Saver Terms and Conditions, unless you cancel your Coles Plus Saver membership before the first billing date.
e. The Coles Plus Saver Terms and Conditions apply to each holder of a Coles Plus Saver membership.
f. Full details on all Coles Plus Saver benefits are available here. Benefits are limited to one Flybuys member per Flybuys account.
^Online Discount Terms & Conditions
- Discounts apply to the premium paid for a new Coles Comprehensive Car Insurance, Coles Comprehensive Car Insurance - Low Kilometres, Third Party Property Only or Third Party Property, Fire and Theft Insurance policy initiated online on or after 26 July 2024. Discounts do not apply to optional Roadside Assistance.
- The new policy discount amount is 15% on Coles Comprehensive Car Insurance, Coles Comprehensive Car Insurance - Low Kilometres, Third Party Property Only and Third Party Property, Fire and Theft.
- Discounts do not apply to any renewal offer of insurance.
- Discounts only apply to the insurance portion of the premium. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may, therefore, be impacted.
- This offer may be changed without notice.
Product related
Coles Car Insurance is issued by Auto & General Insurance Company Ltd ACN 111 586 353, AFSL 285571 (AGIC). It is arranged by Auto & General Services Pty Ltd ACN 003 617 909, AFSL 241411 (AGS), and Coles Supermarkets Australia Pty Ltd ACN 004 189 708 (AR No 269259) (Coles) and Loyalty Pacific Pty Ltd, trading as Flybuys ABN 82 057 931 334 (AR No 423106) (Loyalty Pacific) as Authorised Representatives of AGS. Any advice provided is of a general nature only and does not take into consideration your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), Premium, Excess and Discount (PED) Guide and Financial Services Guide (FSG). Any discounts on both new and renewing policies only apply to the extent that any minimum premium is not reached.