If you’re insured with Coles Car Insurance, you may be entitled to nominate your own smash repairer — even if Coles recommends someone from their approved supplier list. At Sheen, we’re experienced in working with Coles claims and can help you take advantage of your policy’s choice of repairer clause. From fast quotes to streamlined communication with your insurer, we make the repair process simple and stress-free.

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Stay on the road with a replacement vehicle during repairs

Get back on the road fast with an accident replacement vehicle

While your car is being repaired, Sheen can provide you with an accident replacement vehicle to keep your routine uninterrupted. Our fleet includes over 500 late-model cars, utes, and vans — ready to get you back on the road quickly.

If your Coles Insurance policy doesn’t include a hire car option, we can still help you find a vehicle that suits your needs. Just let us know what you drive, and we’ll match you with a suitable replacement.

Waiting around without a car after an accident isn’t ideal. Sheen offers a fleet of over 500 accident replacement vehicles — including passenger cars, utes and vans — to keep you moving while we complete your smash repairs.

Even if your Youi policy doesn’t automatically include a replacement vehicle, we’ve got you covered. Let us know what you need, and we’ll match you with a drive-away option that suits your lifestyle.

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Trusted by Melbourne drivers for Coles car insurance repairs

Coles Insurance is one of Australia's fastest-growing car insurers, with over 250,000 policies. We’ve helped many Coles Insurance policyholders get back on the road with expert smash repairs and consistent communication. At Sheen, we don’t cut corners — all our workmanship is backed by a lifetime guarantee, and we use genuine parts to restore your vehicle to its pre-accident condition. From quote to handover, we prioritise quality, transparency, and a seamless customer experience.

view all before & afters

This accident saw significant damage to the left-hand front side of this Volkswagen Golf. The impact saw the front bumper bar pushed across and forcing out the right-hand headlight. The team at Ocean Grove were able to source genuine parts, including a bonnet and headlight, in order to repair this Volkswagen to pre-accident condition. After some time off the road, a wheel alignment and some tender loving care, we waved goodbye as it left with its happy owner and lifetime guarantee.

Job completed at

Ocean Grove

Upload your smash to get a fast Coles Insurance quote

Need a quote for Coles Insurance smash repairs? Start by uploading photos of the damage — it’s the quickest way to get an insurer-ready assessment from Sheen. Once we’ve reviewed your images, we’ll prepare a detailed repair quote that you can send straight to Coles.

It’s a simple step that helps speed up approvals and minimises time off the road.

UPLOAD YOUR SMASH

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All Sheen workshops open Saturdays!

We’ve extended our trading hours so you can book your vehicle repairs when it suits you.
Saturday appointments are now available across all Sheen workshops.

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The repair process

We’re here to get you back on the road as soon as possible. Here’s how we do it:

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Contact us

Get in touch with Sheen via phone or upload your smash to get started on repairs and your insurance claim.

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Drop off or pickup

To get a quote, bring your vehicle to your nearest workshop, or have it towed by Sheen.

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Repairs begin

Drive away in an accident replacement vehicle while our team starts to repair your vehicle.

Pick up

Your vehicle is back to pre-accident condition. You can pick it up or we can deliver it to you.

UPLOAD YOUR SMASH

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Contact us

Get in touch with Sheen via phone or upload your smash to get started on repairs and your insurance claim.

Drop off or pickup

To get a quote, bring your vehicle to your nearest workshop, or have it towed by Sheen.

Repairs begin

Drive away in an accident replacement vehicle while our team starts to repair your vehicle.

Pick up

Your vehicle is back to pre-accident condition. You can pick it up or we can deliver it to you.

Coles car insurance disclaimer

Sheen Panel Service is not affiliated with, endorsed by, or associated with Coles Insurance. This page is intended to help Coles Insurance policyholders understand their smash repair options. While we are not listed as a Coles-approved supplier, we regularly assist Coles customers by providing insurer-ready quotes, managing communication, and completing high-quality repairs.

Victoria’s Accredited & Award-Winning Smash Repair Experts

Recognised for excellence, Sheen Group delivers accredited, award-winning panel repairs with precision and a lifetime guarantee.

National Collision Repairer Lifetime Achievement Award

Accredited member

Best Customer Experience

ISO 9001

Frequently asked questions about Coles insurance smash repairs

FAQs

Can I choose Sheen if I’m insured with Coles?

Yes — many Coles Car Insurance policies include a choice of repairer, allowing you to nominate Sheen even if we’re not listed on their approved supplier list. We can help you check your policy wording and submit a quote to Coles for approval, so you stay in control of your repair process.

How do I know if I’m covered for accident repairs under my Coles policy?

Coverage depends on the level of cover you selected (e.g. comprehensive vs third party) and the details outlined in your PDS. If you're unsure what’s included, our team can help you interpret it. We also recommend reviewing our blog, 7 important things to check in your car insurance PDS.

What happens if Coles suggests a different repairer?

You're still entitled to ask for Sheen, especially if your policy includes a choice of repairer. In some cases, Coles may request a second quote — we’ll help you prepare everything needed to avoid delays or complications in the approval process.

Does using my own repairer affect my excess or claim outcome?

Generally, no. Choosing your own repairer like Sheen won’t impact your excess or the success of your claim, provided your policy supports this choice. We can clarify this during your quote consultation and ensure you’re making an informed decision.

Can I get help even if I’m unsure whether to claim?

Absolutely. Some Coles customers come to us before deciding to lodge a claim, particularly when the damage is minor. We can advise whether it’s worth claiming, or if paying privately for panel beating might be a better financial move. You can also read our blog on whether you should call your insurer or panel beater first for guidance.

What if my car had existing damage before the accident?

Pre-existing damage should be disclosed when taking out your Coles Insurance policy, as it could affect your claim. If you're unsure how this might apply to your situation, feel free to contact us, and take a look at our article on how to insure a car with prior damage for extra clarity.

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