Third Party Property Damage Insurance

You’ll be protected against unintentional damage to someone else’s car or property.

Save 10% Online*

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Third Party Property Damage Insurance

Choose our basic level of protection and be covered for:

  • Damage to another person's car or property

    If caused while using your car, attached trailer or caravan (subject to assessment) up to $20,000,000.

  • Damage caused by uninsured drivers

    Up to $3,000.

  • Change of car temporary cover

    Update your policy with a similar replacement car without cancelling or reapplying.

  • Damage to another person's car or property

    If caused while using your car, attached trailer or caravan (subject to assessment) up to $20,000,000.

  • Damage caused by uninsured drivers

    Up to $3,000.

  • Change of car temporary cover

    Update your policy with a similar replacement car without cancelling or reapplying.

Optional Extras

  • Roadside assistance

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

  • Roadside assistance

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


Consider adding a little more protection with Third Party Fire and Theft
Find out more about Third Party Fire and Theft Insurance

Compare all levels of car cover to find the right policy for you
Compare all policies

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

Help when you need it most

Payment options to suit your budget

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

99% Paid

We strive to put customers and their needs first – having paid out 99% of car claims last year.

On Shore Claims Team

Our Australian-based claims specialists are on hand, ready to help – from lodgement to approval.

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 in-store at checkout.^

Find out more

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.

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Terms & 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 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.