Coles car insurance vs AAMI

A side by side comparison of Coles and AAMI car insurance including expert analysis of pricing, features, complaints and reviews.

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By

Gary Ross Hunter

Updated

Fact checked

Both Coles and AAMI car insurance offer very similar levels of comprehensive cover but for some benefits, AAMI offers a higher limit. Coles gives you Flybuys points though which could make them more appealing to some people.

Coles vs AAMI car insurance — compare key features

We've compared the comprehensive car insurance policies on offer from Coles car insurance and AAMI car insurance. See further below for other types of car insurance offered by these providers.

Coles Comprehensive Insurance image
Coles Comprehensive Insurance
AAMI Comprehensive Car Insurance image
AAMI Comprehensive Car Insurance
Underwriter
Auto & General Insurance Company Ltd
AAI Limited
Accidental Damage
Damage to other people's car


Bonuses
15% online discount
$50 online discount
Roadside assistance
Optional
Optional
Agreed or market value
Agreed or Market
Agreed or Market
Choice of repairer
Optional
Legal liability
Up to $20,000,000
Up to $20,000,000
Fire and theft
Storm
Flood
Hire car after theft

Up to $1,000 - Up to 14 days

Reasonable costs - Up to 21 days
Hire car after no fault accident

Up to $75 per day

Reasonable Cost
Hire car after at fault accident
Optional
Up to $75 per day - Up to 14 days
Optional

Up to $90 per day
Emergency repairs

Up to $500

Up to $1,000
Emergency travel and accommodation costs

Up to $1,000 - Up to $200 per day

Up to $1,000
New car replacement

If your car is written off in the first 2 years and has travelled less than 40,000KM

If your car is written off or stolen in the first 2 years
Personal effects/property

Up to $500

Up to $1,000
Locks and keys replacement

Up to $1,000
Optional
Towing
Trailer cover

Up to $1,000

Up to $1,000
Important
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.

Car insurance policies on offer

Coles offers 3 levels of car insurance cover:

  • Coles Comprehensive
  • Coles Third Party Fire & Theft
  • Coles Third Party Property Damage

AAMI offers 2 levels of car insurance cover:

  • AAMI Comprehensive
  • AAMI Third Party Property Damaege

Coles and AAMI car insurance complaints information

Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Coles (Auto & General Services Pty Ltd) and AAMI (AAI) have received and resolved.

UnderwriterComplaints recieved Complaints resolved at registration & referral Referral resolution rate
Auto & General Services Pty Ltd
1431
723
50.56%
AAI
2231
1370
61.43%

FAQs

Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 610 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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