Protection for your most valuable possessions 

Rest easy with cover against theft and damage for your most important things. Insure your high-value items for their full replacement value.  Get a little red quote today.

Quick cover guide*

  • Cover for fire, flood, storm and water damage
  • Cover for theft, lightning and earthquakes
  • Replacement of frozen food and refrigerated groceries
  • Fully insure high-value items inside your home at no extra cost
  • Cover for outdoor items like BBQs and garden furniture
  • Cover for vandalism
  • Key and lock replacement if required
  • Contents in transit when you move house
  • Furnishings like rugs, blinds and curtains
  • Sporting goods and bicycles
  • Tools and gardening equipment
  • New-for-old replacement of white goods, electronics and furniture
  • Temporary accommodation
  • Earn up to 12,000 flybuys EXTRA POINTS or $60 of value per policy, per year
  • Get $10 off your Coles Supermarket shop, instantly at the till, every time you redeem 2,000 flybuys points^

Fully insure your high-value items inside your home - at no extra cost

It’s never easy when your precious possessions are damaged or stolen, but it’s even worse to find out they weren’t fully covered. That’s why you can insure all of your high-value items inside your home for their full replacement value - at no extra cost.

As long as you tell us about each high-value item, including its replacement cost, it's fully covered inside your home.

Refer to the Product Disclosure Statement for full details.

If you do need to claim on high value items, you will need to provide evidence of ownership and value. So it’s a great idea to keep good records now, just in case.

Insure your building and save up to 15%

Add building cover to your contents insurance and save up to 15%# on your premium. That's a saving on your building and your contents cover.  And if you buy online, we'll take another 10% off (flybuys members get 15%).

#The level of the specified discount will be reduced if, upon applying the discount, your premium would be lower than the relevant minimum premium level set by Coles Insurance. This discount offer may be withdrawn at any time.

Earn flybuys EXTRA POINTS at Coles with Coles Insurance

With every Coles Home Insurance policy you could earn 1 flybuys EXTRA POINT per $1 you spend at Coles⁰ (up to a maximum of 1,000 flybuys EXTRA POINTS per policy, per month). That’s up to 12,000 POINTS per policy, per year - or $60 of value*.

Enter your flybuys number when you sign up, or you can join during the purchase process.

flybuys extra points

You can even cover goods when you're on the go

You can nominate to cover valuable items against theft or damage when you take them out of the house. If you’re worried about items such as laptops, mobile phones, jewellery and handbags, you can add optional cover for these items in your Coles Contents Insurance policy.

Easy claims process

We’ve made our claims process as professional and hassle-free as possible, to get your home and your possessions back in order quickly:

  • An understanding and experienced team: dedicated claims specialists to look after your claim from start to finish
  • Experience and strength: you know you are in safe hands with one of Australia’s largest general insurers with over 90 years’ experience

Plus if you have building cover, repairs carried out by our approved repairers are guaranteed for life 


Victorian Fire Services Levy

Click here to find out more about the removal of the Victorian Fire Services Levy.
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