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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.
  • A portion of all premiums are invested for good, through the Premiums4Good program.
  • 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?

Kogan offers a good level of cover but its policies were consistently among the most expensive when compared to other car insurers, across multiple demographics.

Features

Product FCI Finder Score Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Kogan Comprehensive
Kogan Comprehensive
Finder Score
Optional
  • If your car is written off in the first 3 years and has not travelled more than 60,000km
  • 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.

    ⭐ Current offer: Get $100 OFF for Kogan FIRST Members when you purchase Kogan Comprehensive Car Insurance online + $10 monthly kogan.com credit. T&Cs apply.

    Who it might be good for: Kogan shoppers and those after a good range of policy options.
    Budget Direct Comprehensive
    Finder Award
    Budget Direct Comprehensive
    Finder Score
    Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    AAMI Comprehensive Car Insurance
    AAMI Comprehensive Car Insurance
    Finder Score
  • If your car is written off or stolen in the first 2 years
  • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    NRMA Comprehensive
    NRMA Comprehensive
    Finder Score
    Optional
  • If your car is written off in the first 2 years
  • Allianz Comprehensive
    Allianz Comprehensive
    Finder Score
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for. For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Finder Score for car insurance

    We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.

    Read the full Finder Score methodology

    Price

    After comparing multiple quotes from 30 national car insurance brands, Kogan's comprehensive car insurance was found to be the second most expensive. Young people faced particularly high premiums, three times higher than the national average and almost double the average for their age group. If price is a priority, you'll likely find cheaper car insurance elsewhere.

    Keep in mind, the best car insurance for you may be based on more than price.

    Kogan car insurance logo$3,129$1,571$1,895$1,628$2,311$2,097$2,105More info

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    Compare Kogan's policies

    1 - 2 of 2
    Product FCI Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Kogan Comprehensive
    Kogan Comprehensive
  • If your car is written off in the first 3 years and has not travelled more than 60,000km
  • Reasonable costs - Up to 14 days
  • 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.

    ⭐ Current offer: Get $100 OFF for Kogan FIRST Members when you purchase Kogan Comprehensive Car Insurance online + $10 monthly kogan.com credit. T&Cs apply.

    Who it might be good for: Kogan shoppers and those after a good range of policy options.
    Kogan Third Party Property Damage
    Kogan Third Party Property Damage
    Optional
  • Optional add-on
    ⭐ Current offer: Policyholders are entitled to $10 off Kogan.com per month on purchases over $100.

    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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    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. Don't pay an excess if your windscreen, rear window, sun roof, or windows, are damaged and need to be replaced.
    • Choice of repairer. Choose which licensed repairer will repair your car.

    FAQs

    Compare other products from Kogan

    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 233 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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    4 Responses

      Default Gravatar
      MileOctober 18, 2021

      Can i use my vehicle for curier job

        AvatarFinder
        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?

        AvatarFinder
        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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