Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertiseReviews of other home insurance brands
The information on this page is subject to change. We will update this guide as we receive new details. For more information, please visit the Coles website.
Coles offers a solid home and contents insurance product. As one of Australia's largest retailers, underwritten by one of Australia's biggest insurance companies (IAG), they promise to be a bold package. You'll also score extra flybuys when you shop at Coles, which is a bonus if you're team red. But as with any insurance company, it's important to make sure you're fully insured for what's important to you.
You can get 3 different policy types. Coles offers building insurance, contents insurance, and a combined home and contents insurance policy. To add to that, Coles also offers landlord insurance.
Some main events covered by Coles Home Insurance include:
Coles Home Insurance is backed by Insurance Australia Limited (IAG), which is one of the biggest insurance companies in Australia. It offers customers the choice of their excess amount (though the standard is $750), and has an above-average cooling off period of 30 days.
These are some of the standard features that you can claim on if an insured event causes damage or loss:
Coles Home Insurance offers a few optional extras so you can customise your policy, but you'll have to pay a bit more for it.
All home insurance policies will have general exclusions. Here are a few exclusions from Coles. For the full list, head to the Product Disclosure Statement (PDS).
Make sure you read Coles' PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data breaks down different underwriters and compares their business size to the number of complaints processed.
When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.
Here's an overview of how Coles (Insurance Australia Limited) did:
Flood is automatically included as an insured event. This is a highlight of a Coles policy since flood cover is usually an optional extra with other brands. There are exclusions to the cover, though, so make sure to check them out when making your decision.
Yes! In fact, if you hold a Coles Home Insurance policy, you'll earn double the points (2x per $1). Just make sure you enter your Flybuys membership number when you sign up or update your account.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertiseReviews of other home insurance brands
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