| Underwritten by | Auto & General Insurance Company Limited |
|---|---|
| Underwriter AFS licence | 285571 |
| Underwriter ABN | 42111586353 |
| Owner | Coles Group Limited (brand used by Coles Supermarkets Australia Pty Ltd) |
| Main products | Car, Home and contents, Landlord, Pet |
| Issued by a different company | Pet insurance is issued by Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791). Car and home policies that started before 1 September 2024 were issued by Insurance Australia Limited (AFSL 227681). |
| Phone | 1800 031 301 |
| Website | coles.com.au/insurance |
| Complaints | Coles Insurance complaints process, then AFCA |
Ownership: Coles Insurance is a Coles brand; Coles Supermarkets Australia Pty Ltd acts as an authorised representative and does not underwrite. Car, home and landlord policies starting on or after 1 September 2024 are issued by Auto & General Insurance Company Limited; before that date they were issued by Insurance Australia Limited (IAG).
Coles Insurance is the insurance brand of the Coles supermarket group. It offers car, home and contents, landlord and pet insurance, promoted through Coles and the Flybuys loyalty program. Coles is the distributor, not the insurer.
Car, home and landlord policies are issued by Auto & General Insurance Company Limited (ABN 42 111 586 353, AFSL 285571) and arranged by Auto & General Services Pty Ltd. Coles Supermarkets Australia Pty Ltd and Loyalty Pacific Pty Ltd (Flybuys) act as authorised representatives.
This arrangement began on 1 September 2024. Policies that started before then were issued by Insurance Australia Limited, part of IAG. Auto & General is also the insurer behind Budget Direct, and issues car and home policies for Qantas Insurance and ING. Coles pet insurance is issued separately by Guild Insurance Limited.
Other brands underwritten by Auto & General Insurance Company Limited
Common questions
Who underwrites Coles car insurance?
Coles car insurance is issued by Auto & General Insurance Company Limited (ABN 42 111 586 353, AFSL 285571) for policies starting on or after 1 September 2024.
Did Coles Insurance change underwriter?
Yes. Coles moved its car, home and landlord insurance from Insurance Australia Limited (IAG) to Auto & General Insurance Company Limited from 1 September 2024.
Who owns Coles Insurance?
The brand belongs to the Coles group. Coles Supermarkets Australia Pty Ltd acts as an authorised representative and does not carry the insurance risk.
Is Coles Insurance the same as Budget Direct?
They are separate brands, but both have their car and home policies issued by Auto & General Insurance Company Limited.
Who underwrites Coles pet insurance?
Coles pet insurance is issued by Guild Insurance Limited (AFSL 233791), not by Auto & General.
Sources
- Coles Insurance - Important information
- Coles Insurance - Contact us
- Coles Insurance - Complaints, car and home insurance
- Coles Insurance - Car insurance
- Auto & General Insurance Company - home page (brand list)
Last checked: 2026-10-06