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Thanks for the advise everyone. I might call to my current insurance company and ask details about the refund. Here is the link for Coles insurance web-site: http://www.coles.com.au/Coles-Insurance.aspx On the web-site they mention that the both home and contents and building...

This advise comes too late for many people impacted by floods this time, but maybe it helps people in the future About flood insurance. According to their marketing brochure Coles offers home and contents insurance which covers floods. Actual insurance underwriter is Wesfarmers insurance but...