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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Key takeaways
- Kogan was the second most expensive in a comparison of 30 car insurance brands.
- 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.
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How we picked theseFinder 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.
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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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How we picked theseWhat 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
- Prioritise safety and handle emergencies. Ensure that you and anyone else involved in the incident are safe and unhurt.
- 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.
- Lodge your claim online. Submitting your claim via the online portal is the fastest method for standard car incidents.
- 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).
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Can i use my vehicle for curier job
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
How can I do upgrade for my car in my Kogan insurance policy?
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