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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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Nicola Middlemiss's headshot

By

Nicola Middlemiss

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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

1 - 5 of 5
Updated regularly
Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Kogan Comprehensive
Kogan Comprehensive
Optional
  • If your car is written off in the first 3 years and has not travelled more than 60,000km
    • Finder's 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 $80 off first year premiums 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.
    Get QuoteView details
    Budget Direct Comprehensive
    Finder Award
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or is under 40,000kms
    • Optional
    Finder's 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.
    Get QuoteView details
    AAMI Comprehensive Car Insurance
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
    • Optional
    Finder's 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.
    View details
    NRMA Comprehensive
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
    • Optional
    View details
    Allianz Comprehensive
    Allianz Comprehensive
  • 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.
    View details
    loading

    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.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Kogan car insurance logo$3,129$1,571$1,895$1,628$2,311$2,097$2,105Get quote
    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

    Kogan has good customer service and features. I feel secure with them and protected in a possible emergency.

    Maddy, NSW

    Maddy, NSW

    They have been very easy to deal with and have an easy claims process.

    Anon, QLD

    Anon, QLD

    They were 5-star now, starting to be just as expensive as the rest!

    Anon, NSW

    Anon, NSW

    I have been using it for years without a single issue.

    Melanie, ACT

    Melanie, ACT

    Compare Kogan's policies

    1 - 2 of 2
    Name Product 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
    • Finder's 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 $80 off first year premiums 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.
    Get QuoteView details
    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.
    Get QuoteView details
    loading
    Kogan Car Insurance Deals
    Deal

    $80 off your premium for the first year + $10 monthly credit

    Verified 4 days ago
    Get a quote and earn a $10 kogan.com credit. Purchase your policy online to get $80 off first year premiums for Kogan comprehensive car insurance. T&Cs apply.
    Get deal

    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 235 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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