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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Nicola Middlemiss

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Kogan

Key takeaways

  • Kogan offers strong cover, with up to 10% off your first year's premium when you apply online and $10 monthly Kogan.com credit for active policyholders.
  • Kogan Comprehensive offers up to $1,000 for personal items and $10 monthly Kogan.com credit.
  • Premiums for young drivers were often triple the average of other providers.

Compare Kogan's policies

2 of 2 results
Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
9.3 Excellent
  • If your car is written off in the first 2 years
  • Up to $100 per day - Up to 30 days
    • Discount: Get 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. 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
    9 Excellent
    Kogan Third Party Property Damage
    9 Excellent
    • Discount: 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
    Updated regularly
    Name

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

    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. T&Cs apply.

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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Read the full methodology

    Compare car insurance in under a minute

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    Why choose Kogan car insurance?

    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.

    How much does Kogan car insurance cost?

    To help give you an idea about Kogan car insurance costs, we gathered annual quotes across their various policy types. Just remember, prices are going to change based on things like your vehicle make, model and year, where the car is parked, driver's age, claim history and your address, so it's always worth comparing policies and getting a few quotes.

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    Updated regularly
    Comprehensive annual quote Third party fire & theft annual quote Third party property damage annual quote
    $1,666.58
    N/A
    N/A
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    Kogan logo
    9 Excellent
    Kogan Third Party Property Damage
    N/A
    N/A
    $588.71
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    What isn't covered by a Kogan policy?

    To ensure you know exactly what is and isn't covered, always read the product disclosure statement. The following list reflects some of the general exclusions found in Kogan's car insurance product disclosure statement:

    • Unlicensed drivers
    • Declined drivers
    • Driving under the influence of alcohol or drugs
    • Unsafe or unroadworthy condition
    • Exceeding load or passenger limits
    • Carrying passengers for fare or reward
    • Motor sport or motor trade
    • Deliberate or criminal acts
    • Tyre damage
    • Pre-existing damage

    How to file a claim

    1. Prioritise safety and handle emergencies. Ensure that you and anyone else involved in the incident are safe and unhurt.
    2. Gather the required details. Having your information ready will help speed up the process. If you don't have everything on hand immediately, you can submit the claim and add more details later.
    3. Lodge your claim online. Submitting your claim via the online portal is the fastest method for standard car incidents.
    4. Wait for the assessment and follow-up. Once your claim is submitted, the team will contact you within two business days (though it may take longer following extreme weather events).

    FAQs

    Sources

    Nicola Middlemiss's headshot
    Journalist
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    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 170 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance
    More resources on Finder

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    6 Responses

      sk akther's avatar
      skFebruary 17, 2025

      which is the best car insurance cover for ride share

      Mile Bozic's avatar
      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

      Adel's avatar
      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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