Car Insurance

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Coles Insurance is full of nice surprises

Like the fact that we won the 2021 and 2022 Canstar Award for Outstanding Value Car Insuranceᗮ. Giving you reassurance and quality cover you can rely on.

canstar car insurance award

24/7 Claims

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

Partner Repairer Network

Access the repairer network of Australia's largest insurer. To help you hit the road again sooner.

One-week Repairs

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

On Shore Claims Team

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

Lifetime Guarantee

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

Backed By Experts

We've partnered with IAG – Australia's largest insurer with over 160 years of experience. Giving you quality protection you can count on.

Partner Repairer Network Coverage

Search our nation-wide Partner Repairer Network to find a location near you.

Types of Cover

Comprehensive Cover

Choose our most popular car policy and be covered for the unexpected.

Third Party Property Damage

Get basic cover for accidental damage to another person's car or property.

Third Party Fire & Theft

Get basic cover for damage to another car or property plus protection in the event your car catches fire or is stolen.

Feel more confident with Comprehensive Cover

Cover for the unexpected

We cover collisions and weather damage caused by storm, hail, fire, and flood.+

Cover for emergencies

We cover emergency repairs, towing and accommodation.+

Cover for theft

If your car is locked and stolen, we'll cover it. Along with any groceries left inside.+

Even more rewarding 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.^

Become a happy customer in minutes

At Coles, we’re giving our customers something to smile about. With great cover and rewards, you’ll want to get started today.

"The customer service was amazing and everything was so quick and easy and stress free would definitely recommend Coles insurance to all my friends and family."


"Good quality cover at a good price and backed by a major company."


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

~ 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 November 2020 to 31 October 2021. 68% 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 each time. Excludes Coles Express 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 a Coles Comprehensive Car, Home or Landlord Insurance policy  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.


ᗮThe Canstar 5-Star Ratings for Outstanding Value Car Insurance in Australia was awarded in June 2021 and June 2022.

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.