{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "coles-insurance",
  "name": "Coles Insurance",
  "website": "https://www.colesinsurance.com.au/",
  "kind": "brand",
  "underwriter": "Auto & General Insurance Company Limited",
  "underwriter_abn": "42111586353",
  "underwriter_afsl": "285571",
  "lloyds": false,
  "distributor": {
   "name": "Auto & General Services Pty Ltd",
   "abn": "61003617909",
   "afsl": "241411",
   "authorised_representative_no": null
  },
  "products": [
   {
    "name": "Coles Home Building Insurance",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owner-occupiers and landlords of free-standing houses, townhouses, duplexes, terraces or villas; not available in the NT, North Qld and Northern WA.",
    "states": null,
    "documents": [
     {
      "title": "Home Insurance page",
      "url": "https://www.colesinsurance.com.au/home-insurance",
      "date": null
     },
     {
      "title": "Coles Home and Contents Insurance Product Disclosure Statement",
      "url": "https://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf",
      "date": "2024-07-01"
     },
     {
      "title": "Supplementary PDS",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20260625_SPDSEXCL.pdf",
      "date": "2026-03-05"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://colesinsurance.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf",
      "date": null
     },
     {
      "title": "Target Market Determination (home)",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20240725_TMD.pdf",
      "date": "2024-07-25"
     }
    ],
    "quotes": {
     "product": {
      "text": "Home Building Insurance covers loss or damage to your home which you own and use for domestic or residential purposes.",
      "url": "https://www.colesinsurance.com.au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Home Building Insurance covers loss or damage to your home which you own and use for domestic or residential purposes.",
       "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=Home%20Building%20Insurance%20covers%20loss,for%20domestic%20or%20residential%20purposes.",
       "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.",
      "url": "https://www.colesinsurance.com.au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.",
       "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=The%20Online%20Discount%20is%20available,quote%20reference%20number%20if%20requested.",
       "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).",
      "url": "https://ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).",
       "url": "https://ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf#page=1",
       "page": 1,
       "document_sha256": "4da8db6e67a325777742587777218055abc0c3ee56d31f81dcff3d22f6fc5ff0",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "For extra protection you can take out optional Flood cover.",
      "url": "https://www.colesinsurance.com.au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For extra protection you can take out optional Flood cover.",
       "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=For%20extra%20protection%20you%20can%20take%20out%20optional%20Flood%20cover.",
       "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20240725_TMD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.",
       "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20240725_TMD.pdf#page=2",
       "page": 2,
       "document_sha256": "738570fa4759d66cab14beebd27228040a0694f3ed41c17ff1685864d2a36752",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf#page=16",
       "page": 16,
       "document_sha256": "0566d3823a6eb523c856bbf693dfa3528b29cba7664de196459bc21ae719c528",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Coles' own PDS (prepared 1 July 2024) was not retrievable (403), so accidental damage and any safety-net buffer are not recorded.",
     "Home and Landlord Insurance not available in NT, North Qld and Northern WA."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced.",
     "then": {
      "days": 180,
      "effect": "no_cover"
     },
     "label": "Extra $1,000 excess after 60 days; no cover at all after 180 days"
    },
    "id": "coles-home-building-insurance",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Auto & General Insurance Company Limited",
      "abn": "42111586353",
      "afsl": "285571",
      "lloyds": false,
      "slug": "auto-and-general-insurance",
      "apra": {
       "status": "authorised",
       "name": "Auto & General Insurance Company Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "285571",
       "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED",
       "abn": "42111586353",
       "acn": null,
       "licensed_since": "2005-06-15",
       "locality": "Toowong QLD 4066",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Coles Landlord Insurance",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Owner-occupiers and landlords of free-standing houses, townhouses, duplexes, terraces or villas; not available in the NT, North Qld and Northern WA.",
    "states": null,
    "documents": [
     {
      "title": "Home Insurance page",
      "url": "https://www.colesinsurance.com.au/home-insurance",
      "date": null
     },
     {
      "title": "Coles Home and Contents Insurance Product Disclosure Statement",
      "url": "https://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf",
      "date": "2024-07-01"
     },
     {
      "title": "Supplementary PDS",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20260625_SPDSEXCL.pdf",
      "date": "2026-03-05"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://colesinsurance.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf",
      "date": null
     },
     {
      "title": "Target Market Determination (home)",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20240725_TMD.pdf",
      "date": "2024-07-25"
     }
    ],
    "quotes": {
     "product": {
      "text": "Coles Home and Landlord Insurance is issued by Auto & General Insurance Company Ltd ACN 111 586 353, AFSL 285571 (AGIC).",
      "url": "https://www.colesinsurance.com.au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Coles Home and Landlord Insurance is issued by Auto & General Insurance Company Ltd ACN 111 586 353, AFSL 285571 (AGIC).",
       "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=Coles%20Home%20and%20Landlord%20Insurance,586%20353%2C%20AFSL%20285571%20%28AGIC%29.",
       "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.",
      "url": "https://www.colesinsurance.com.au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.",
       "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=The%20Online%20Discount%20is%20available,quote%20reference%20number%20if%20requested.",
       "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).",
      "url": "https://ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).",
       "url": "https://ecommerce.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf#page=1",
       "page": 1,
       "document_sha256": "4da8db6e67a325777742587777218055abc0c3ee56d31f81dcff3d22f6fc5ff0",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "For extra protection you can take out optional Flood cover.",
      "url": "https://www.colesinsurance.com.au/home-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "For extra protection you can take out optional Flood cover.",
       "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=For%20extra%20protection%20you%20can%20take%20out%20optional%20Flood%20cover.",
       "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.",
      "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20240725_TMD.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own a home in Australia used for residential purposes either as an owner occupier or a landlord.",
       "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20240725_TMD.pdf#page=2",
       "page": 2,
       "document_sha256": "738570fa4759d66cab14beebd27228040a0694f3ed41c17ff1685864d2a36752",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
      "url": "https://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
       "url": "https://ecommerce.disconline.com.au/branding/resources/EXCL/legal/home/HPDSEXCL.pdf#page=16",
       "page": 16,
       "document_sha256": "0566d3823a6eb523c856bbf693dfa3528b29cba7664de196459bc21ae719c528",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Coles' own PDS (prepared 1 July 2024) was not retrievable (403), so accidental damage and any safety-net buffer are not recorded.",
     "Home and Landlord Insurance not available in NT, North Qld and Northern WA."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Must keep it secure, garden and mail tidy and checked regularly, or a claim may be refused or reduced.",
     "then": {
      "days": 180,
      "effect": "no_cover"
     },
     "label": "Extra $1,000 excess after 60 days; no cover at all after 180 days"
    },
    "id": "coles-landlord-insurance",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Auto & General Insurance Company Limited",
      "abn": "42111586353",
      "afsl": "285571",
      "lloyds": false,
      "slug": "auto-and-general-insurance",
      "apra": {
       "status": "authorised",
       "name": "Auto & General Insurance Company Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "285571",
       "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED",
       "abn": "42111586353",
       "acn": null,
       "licensed_since": "2005-06-15",
       "locality": "Toowong QLD 4066",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "This SPDS is issued by Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571.",
    "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20260625_SPDSEXCL.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This SPDS is issued by Auto & General Insurance Company Limited ABN 42 111 586 353, AFS Licence No 285571.",
     "url": "https://www.autogeneral.com.au/prd/aagwebsite/agca/web/branding/resources/EXCL/legal/home/20260625_SPDSEXCL.pdf#page=1",
     "page": 1,
     "document_sha256": "40458af4dc4235e5f0c8fe4d536d9837fa8bd7d70c6a8695ab916cea6c98cd93",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "It is arranged by Auto & General Services Pty Ltd ACN 003 617 909, AFSL 241411 (AGS)",
    "url": "https://www.colesinsurance.com.au/home-insurance",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "It is arranged by Auto & General Services Pty Ltd ACN 003 617 909, AFSL 241411 (AGS)",
     "url": "https://www.colesinsurance.com.au/home-insurance#:~:text=It%20is%20arranged%20by%20Auto,617%20909%2C%20AFSL%20241411%20%28AGS%29",
     "document_sha256": "a2391f557418608af99a67f0ef52059b432b33aa7031f55311cfdfdd91f9427d",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Coles Insurance home cover is now issued by Auto & General Insurance Company Limited (the site says 'Coles Car and Home Insurance is now underwritten by Auto & General Insurance Company Ltd'). Coles' PDS PDF returned 403 from disconline host so PDS-based fields are null. | The Coles PDS, key facts sheets and TMD are hosted at colesinsurance.disconline.com.au behind a Cloudflare challenge that returned HTTP 403 to curl and to headless Chromium, so cover basis, flood and accidental damage could not be read and are null. The underwriter ABN 42 111 586 353 is taken from the ING and Qantas PDS (same Auto & General product family); the Coles page itself gives only the ACN. Coles is likely the same Auto & General template as ING and Qantas, but that was not verified.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Auto & General Insurance Company Limited",
    "abn": "42111586353",
    "afsl": "285571",
    "lloyds": false,
    "slug": "auto-and-general-insurance",
    "apra": {
     "status": "authorised",
     "name": "Auto & General Insurance Company Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "285571",
     "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED",
     "abn": "42111586353",
     "acn": null,
     "licensed_since": "2005-06-15",
     "locality": "Toowong QLD 4066",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": {
   "afsl": "241411",
   "name": "AUTO & GENERAL SERVICES PTY LTD",
   "abn": "61003617909",
   "acn": null,
   "licensed_since": "2004-03-10",
   "locality": "Toowong QLD 4066",
   "source": {
    "dataset": "ASIC AFS Licensee dataset",
    "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
    "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
    "last_modified": "2026-11-11T20:51:07.739275",
    "licence": "Creative Commons Attribution 3.0 Australia"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/coles-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/coles-insurance.json"
 }
}