Kogan car insurance review

Although Kogan’s cover is strong, its premiums were the second most expensive out of 30 car insurance brands we compared.

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Our verdict

Pros

  • Some generous limits, including Up to $1,000 for personal items.
  • Customers get $10 off Kogan.com every month.

Cons

  • Of 30 car insurance brands compared, Kogan was the second most expensive.
  • Some benefit limits aren't disclosed in the PDS, this can be confusing.
  • Cover was exorbitantly expensive for young drivers - triple the average.

How does Kogan compare with other car insurers?

We obtained quotes across a range of providers for a 30 year old male based in NSW.

5 of 5 results
Sample quote
Sample quote
$1,410.26
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$1,117.48
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AAMI logo
Sample quote
$2,075.50
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NRMA logo
Sample quote
$2,166.09
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Allianz logo
Sample quote
$1,917.48
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Compare Kogan's policies

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Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Finder Score
Optional
  • If your car is written off in the first 2 years
  • Up to $100 per day - Up to 30 days
  • Up to 10% off your first year's premium when you apply online and $10 monthly Kogan credit (valid on $100+ purchases) for active policyholders. Black Friday deal: Get 12 months Complimentary Roadside Assist. T&Cs apply.
    Summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you’ll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

    Who it might be good for: Kogan shoppers and those after a good range of policy options.
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    Kogan logo
    Finder Score
    Finder Score
  • Get $10 Kogan.com credit each month (valid on purchases over $100) when you buy a new Third Party Property Damage policy online. T&Cs apply.
    Who it might be good for: Drivers who want a no-frills policy with some legal liability cover and up to $5,000 for damage caused by an uninsured driver. Keep an eye out for a gift voucher if you buy online.
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    1 of 1 result
    Name

    Get up to 10% off your first year's premium

    Ends 07 December 2025

    Up to 10% off your first year's premium when you apply online and $10 monthly Kogan credit (valid on $100+ purchases) for active policyholders. Black Friday deal: Get 12 months Complimentary Roadside Assist. T&Cs apply.

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    Showing 1 of 1 result

    What additional cover options are available?

    Kogan offers three optional extras to strengthen your policy, if you wish -

    • Hire car. Get a hire car if yours is out of action due to any insured incident.
    • No excess windscreen. No excess for windscreen, sunroof, or window damage - 1 replacement and 2 repairs in any period of insurance for windscreen, sunroof, or window glass.
    • Tools of trade. Up to $3,000 cover for tools, stock, or materials stolen via forcible entry or damaged in a collision.

    FAQs

    Sources

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 257 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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    6 Responses

      Default Gravatar
      skFebruary 17, 2025

      which is the best car insurance cover for ride share

      Default Gravatar
      MileOctober 18, 2021

      Can i use my vehicle for curier job

        James Martin's headshotFinder
        JamesOctober 22, 2021Finder

        Hi,

        Kogan can offer cover if your car is used for both private and business use. They don’t insure cars used only for business. There are some exclusions to be aware of. For example, they will not provide cover if the business use is:

        -Carrying or moving goods for reward (such as couriers or food deliveries)
        -Hiring out the vehicle as a rental car
        -Professional driving instruction
        -Vehicle racing (professional or amateur)
        -Taxis

        You can call Kogan on 1300 034 888 to ask whether they can offer you the insurance you need.

        Regards,
        James

      Default Gravatar
      AdelAugust 21, 2021

      How can I do upgrade for my car in my Kogan insurance policy?

        James Martin's headshotFinder
        JamesAugust 23, 2021Finder

        Hi Adel,

        You can make changes to your car insurance policy by calling Kogan on 1300 034 888. Please note that the cost of your car insurance premium could change depending on the upgrade you’ll make.

        Regards,
        James

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