Coles lets insure your vehicle either to an agreed value or its market value. This is a white label of Budget Direct Gold Comprehensive. It has identical cover to three other policies in our comparison, although the price may vary. You can pay an extra premium to have your choice of repairer. For an additional premium you can reduce the excess payable for window claims – although not to zero, which other policies offer. For some annoying reason the PDS is split into two separate documents, which can make it complicated to figure out what you are covered for.
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Description
Cost
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- Same price to pay monthly
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Additional benefits
- Cover for personal property
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- Up to $500 for personal effects
- Up to $200 for grocery replacement
- Covers items designed to be worn or carried
- Cover for child seats
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- Up to $500
- Covers child seats and capsules
- Cover for keys
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- Up to $1000
- Covers replacement keys, remote locking devices and proximity keys; and recoding locks
- Available after theft of keys
- Cover for trailers and caravans
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- Up to $1000
- Covers collision damage to trailer or caravan
- Accommodation and transport when far from home
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- Up to $1000 overall
- Covers transport for driver and occupants to address where vehicle normally kept at night
- Alternatively, claim temporary accommodation
- Available if vehicle is damaged in a covered incident
- Up to $200 per day
- Transport costs
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- Up to $1000
- Limit combined with emergency accommodation benefit
- Up to $200 per day
- Covers transport for driver and occupants to address where vehicle normally kept at night
- Towing after an incident
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- Covers recovery and towing of car to nearest repairer or holding facility
- Also covers storage costs
- New car replacement
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- Covered for total loss within 2 years of purchase
- Must have fewer than 40000km
- Reduced excess on glass claims
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- Optional
- $40 excess
- Covers front, rear and side windows
- Roadside assistance
- Optional
Car rental
- Rental car after theft
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- Covers costs of hiring a car that meets your needs
- Available for up to 21 days
- Up to $1500
- Rental car after not-at-fault incident
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- Covers a hire car that meets your needs, arranged by the insurer
- Available until claim settled
- Up to $75 per day if hire car not available
- Rental car after any incident
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- Optional
- Applies after at fault accident
- Covers a hire car that meets your needs, arranged by the insurer
- Available for up to 21 days
- Up to $75 per day if hire car not available
Covered events
- Comprehensive Cover
- Legal liability
- $20 million
- How your car is valued
- Choose agreed value or market value
