Coles car insurance offers three levels of cover: Comprehensive, Third Party Fire and Theft, and Third Party Property Damage. They also offer optional extras like roadside assistance and a windscreen cover. Coles car insurance policies come with benefits like a new-for-new car replacement and protection against damage caused by uninsured drivers. However, it’s important to note that there are exclusions, and your policy will have excess fees that apply to your claim. Overall, Coles car insurance provides a range of options for drivers looking to protect themselves and their vehicles.
Coles Comprehensive Car Insurance
You’ll be covered for the following:
| Coverage | Details |
|---|---|
| Damage to your car | Accidental and malicious damage, storm, fire, flood & hail. |
| Damage to another person’s car | If done while using your car, attach a 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. |
| New-for-new car replacement | 2 years of coverage 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 seat replacement | Up to $500 when covered by an insured event or stolen from your locked car. |
Optional Extras
| Optional Extras | Details |
|---|---|
| Roadside assistance | 24/7 assistance in the event of a breakdown or accident. |
| Windscreen or window glass damage | One excess-free claim per year. |
| Car hire after an accident | Up to $75 per day for up to 14 days. |
| Under 25 cover | For any drivers under 25 years old using your car. |
Coles Third Party Property Damage Insurance
| Coverage | Details |
|---|---|
| Damage to another person’s car or property | If caused while using your car, attached trailer or caravan (subject to assessment) up to $20M. |
| Damage caused by uninsured drivers | Up to $3,000. |
| Change of car temporary cover | Update your policy with a similar replacement car without canceling or reapplying. |
| Optional Extras | Details |
|---|---|
| Roadside assistance | 24/7 assistance in the event of a breakdown or accident. |
Coles Third Party Fire and Theft Insurance
| Coverage | Details |
|---|---|
| Damage to another person’s car or property | If caused while using your car, attached trailer or caravan (subject to assessment) up to $20M. |
| Damage caused by uninsured drivers | Up to $3,000. |
| Stolen car | Covers whether your car is found or not. |
| Towing and storage costs | If your car is involved in an insured event or recovered after theft. |
| Fire damage to your car | Cover for damage from flames and explosions. |
| Change of car temporary cover | Update your policy with a similar replacement car without canceling or reapplying. |
| Optional Extras | Details |
|---|---|
| Roadside assistance | 24/7 assistance in the event of a breakdown or accident. |
Here are the excesses that may apply to your Coles Car Insurance policy:
- Standard excess – payable on all claims except windscreen claims if you have optional excess-free cover
- Voluntary excess – choose a higher excess to reduce your premium.
- Age excess – applies when the driver of your car is under 25 years of age
- Inexperienced driver excess – applies when the driver of your car is 25 years or older and has not held a license for at least two years at the time of the collision.
- Unlisted driver excess – applies when the driver of your vehicle is under 25 years of age and not listed in your insurance schedule.
- Special excess – may be applied based on the driving record and insurance history of the drivers of your car.
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