Coles Home & Contents Insurance

Coles Financial Services is a provider of home and contents insurance, car insurance, credit cards, life insurance and travel insurance.

Compare Coles home and contents insurance

Coles: Outstanding Value Award Winner for Coles Mastercard

Here’s a snapshot of Coles home and contents insurance policies for policy holders aged below 50 years, whose total claimable amount is below $550K in New South Wales. To compare other home and contents insurance policies, click here.

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What do Coles home and contents insurance policies cover?

Coles lets you choose from home insurance, contents insurance or a combined home and contents insurance policy. All come with several bonuses such as discounts and extra benefits for combined cover, as well as fast policy access.

Home insurance

Coles home insurance covers you for:

  • Some of the costs of rebuilding, including demolition and removal of debris
  • Legal liability cover
  • Natural disasters and extreme weather
  • Accidental breakage, theft or vandalism
  • Motor burnout
  • Compensation for death
  • Temporary accommodation/rental costs
  • Glass breakage
  • Damage caused by riots or civil commotion

Contents insurance

Coles contents insurance covers:

  • ‘New for old’ replacement of belongings
  • Theft, loss or damage of items including furniture, household goods, electrical appliances, furnishings, clothing and personal belongings
  • Credit card theft/misuse
  • Damage due to extreme weather
  • Accidental damage
  • Spoilage of perishable food
  • Replacement of locks and keys

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Coles FAQs

Building insurance covers any part of your house that is permanently fixed and not intended to move, such as your walls and roof, and even the light on your front porch. Contents insurance covers all the items within your house that are not permanent fixtures, i.e. you could move them between houses. Find out more about home and contents insurance here.

As a renter, you don’t need home insurance because your landlord should have insurance for the building you live in, and if you live in a unit/apartment or townhouse, the body corporate is legally required to have building insurance for the building. But you should certainly get contents insurance to protect your own possessions. Many providers offer specialised renters’ insurance policies.

For landlords, a better option than home insurance is landlord insurance. Landlord insurance covers you for the same things as a home insurance policy, but with several important additions to cover you against risks from your tenants.

Depending on your choice of cover, Coles landlord insurance may cover repairs for damage caused by your tenants, or your legal fees if you need to sue tenants who are not paying rent. Compare landlord insurance here:

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If you have a recent and accurate estimate for the value of your home and contents, then it’s often a good idea to insure up to that particular sum to get your exact money’s worth. If you don’t have an accurate idea of the above value, then you could insure for a complete replacement to give yourself peace of mind. Find out how much home insurance you need and how much contents insurance you need.

You can make an insurance claim by calling Coles’ phone hotline on 1300 265 374 and talking to one of its dedicated customer service representatives.

Once your claim has been submitted, the claims team will determine if a claims assessor would be required to visit your home regarding repairs and replacements.

Different insurers have different claims processes, so make sure to compare different home insurance claim apps that will make your life easier.

Coles began in 1914 as a discount store with the slogan “nothing over 2/6”. They branched out into financial services in the 21st century.

Coles Home and Home Insurance Plus are underwritten by WFI Insurance Limited, which is part of Australia’s largest insurer, Insurance Australia Group (IAG), and has more than 160 years of insurance experience.

You can download the Coles Insurance Claims Assistant App on the Apple iTunes store.

How Coles supports the community

  • Charitable contributions: Coles follows the international London Benchmark. In 2014-2015, Coles’ direct support of charity partners was $36.55 million, and its customers, team members and suppliers raised an additional $7.24 million. Coles’ national charity partners are: RedKite for children with cancer, Bravery Trust for veterans and their families, SecondBite and FoodBank for feeding disadvantaged, Aussies Red Dust for Indigenous youth, Guide Dogs Australia for the blind and the Cancer Council’s Daffodil Day for cancer research.
  • Australian-grown: 96% of fruit and vegetables and 100% of meat, milk and eggs are Australian sourced.
  • Animal cruelty ethics in suppliers: All beef meat has no added hormones; all chicken meat comes from RSPCA approved farming; all pork is sow stall free; all Coles brand eggs are cage-free; all Coles brand seafood comes from sustainable fisheries and aquaculture farms.
  • Fairtrade ethics for workers: Coles won the 2014 and 2013 awards for Fairtrade Retail Chain of the Year. The production of Coles’ MIX Apparel clothing brand is outsourced to Cambodia, and Coles provides a free healthy meal every day to each of its 850 workers at the AbleMax factory, to make sure they get enough nutrition.

Check out Coles’ YouTube channel for sweet treats – all year round!

Source: Coles

 Compare People’s Choice Home and Contents Insurance

The table below displays a snapshot of five home and contents products on Canstar’s database with direct links to the providers’ websites, sorted by Star Rating (highest to lowest). These results are based on a policy holder under 50 years old in New South Wales and ACT for building and contents worth less than $550,000.

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Coles Home & Contents

Canstar Research
Rating:
Award: Outstanding Value Home Insurance

New South Wales

< $550K

2017 Star Ratings Report

Written by: Regina Collins | Last updated: